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Your Questions Answered: Are You Fee-Only?
A question we sometimes get is, “Are you a fee-only advisor”? In other words, is all your revenue derived from fees paid to you by clients, either for planning or investment management, or do you receive any commissions from companies for distributing their financial...
Your Questions Answered: There Is a Lot Going on In the World. Should We Change Our Investment Approach?
In her July 2025 piece, Geopolitical Jitters, Karen Umland offers a timely reminder that long-term investing requires resilience in the face of global unrest. The recent conflict between Israel and Iran has stirred uncertainty, but history shows that markets have...
Your Questions Answered: When’s the Best Time to Buy Long-Term Care Insurance?
Let’s be honest—long-term care insurance isn’t exactly the most exciting topic at brunch. But if you’ve ever seen a loved one navigate the costs of assisted living or in-home care, you know it’s a conversation worth having. So, when’s the right time to buy long-term...
Advice For Life
Spring Cleaning for Your Estate Plan
Swedish "death cleaning" has gained popularity in recent years among folks who need some added structure to guide their spring cleaning. The idea is to approach decluttering with mindfulness about the mess you could leave behind for your loved ones if you don't get...
Focus on Consistency for ROL
The most impactful investments tend to be those that we make consistently over time. When we stick to a plan and keep checking off the items on our to-do lists, our efforts compound and build towards the results that we want. Think about how being consistent in these...
What is Enough for Your Best ROL?
According to one popular rule of thumb, retirees should be able to withdraw 4% from their retirement accounts every year to live comfortably and not run out of money. Another number you might have seen floating around social media is $75,000, which, according to some...
SMI Transition Planning
Funding the Continuation of Care – The Impact of Traditional Retirement Planning
The expenses associated with the continuation of care for your loved will not simply go away at your passing.
A Sample Letter of Intent Outline
There is no “One Way” to prepare a letter of intent. We are attaching an outline that can help you in your own preparations.
The Letter of Intent
As a parent of a caregiver of someone with an SMI, you have likely identified the individual(s) that you believe will provide continuity of care after your passing.
Every month, Paul shares his thoughts, stories, and wisdom.