Becoming Comfortable, Being Uncomfortable

January 21, 2019

By definition, investing is an uncomfortable process. You are taking something very tangible today (mainly dollars) and placing them into investments that have an inherently uncertain future. Why do we do this? If you recall from one of the first meetings you had when you joined PathWise, we discussed that merely sitting on cash is…

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It’s 3 Months Until Thanksgiving….Too Early to Talk Turkey?

August 15, 2018

You may have (or may not have) seen recent news that Turkey is undergoing some “problems.” For those of you who haven’t paid much attention, a US vs. Turkey “spat” has ensued. It’s interesting because this spat is really a disagreement over a pastor who has been held in Turkey for a few years now,…

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Italian Political Turmoil

June 5, 2018

The latest news item causing concern for investors in European stocks has been the recent political turmoil in Italy. The country’s political leaders have failed to form lasting coalition governments and unite disparate factions in their electorate for some time now. Yields on Italian sovereign bonds are now spiking, adding to the perception that something…

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An Allowance for Adults?!

May 3, 2018

For many couples, spending decisions can be a point of significant financial stress, as one member of the couple may judge the spending decisions of the other, especially when finances are otherwise tight. In fact, criticisms of how spouses spend money have long lingered in both literature (e.g., “in Madame Bovary, Emma kills herself when…

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Tuning Out the Noise

April 6, 2018

Well, it certainly appears that volatility is back. The ups and downs of the market are very natural, though sometimes their speed and scale can be daunting. However, what really makes things challenging for investors is that we now have information coming at us from just about every angle. It wasn’t that long ago that…

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2018 Tax Overhaul – What It Means to You

December 20, 2017

Well, yesterday the historic tax reform passed votes in the House and Senate, leaving just a presidential signature (which is basically a sure thing) before it becomes the law of the land. What started out with ambitious goals of a massive simplification of the tax code, turned into a more mainstream tax rewrite. While many…

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The Power of HSA Accounts!

December 18, 2017

A Health Savings Account (HSA) is a tax-advantaged medical savings account. Unlike a Flexible Spending Account (FSA) which is “use it or lose it,” an HSA allows you to save and invest your balance for current and future medical expenses. The money in an HSA rolls over each year and there are no required distributions…

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Predictably Unpredictable

October 23, 2017

Many of you may know that Arek had a chance in his previous life to spend some time on Wall Street. While the experience was immensely valuable, it’s likely not for the reasons that you would think. You see, much of his experience, our own research, as well as many academic studies show us that…

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Equifax Fiasco

September 16, 2017

We have been purposefully quiet about the Equifax data breach as a big goal of ours is to always make sure that our emotions are not driving our recommendations or clouding our advice. Clearly, the Equifax data hack has been headline news and difficult to avoid. The main concern for many is that our most…

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An Identity Crisis

July 18, 2017

One of the meetings you have surely had with us (or if you’ve joined the firm within the last year or so will have in the future) covers the topic of financial independence. We like to use the term “vocational freedom”…..meaning you reach a point in your financial picture where you can do whatever (or…

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