Then & now…

Imagine updating your financial plan in January, April, or December of 2020.  How might the plan outputs at various dates have impacted your behavior and financial choices?  What other life decisions may positively influence your approach to planning? January 2020: ...

Why diversify?

What’s the purpose of diversification with regards to your investments?  Why not just own companies you know well or stick with your employer’s stock?  What other diversification strategies should be considered when creating a financial plan? It’s important to...

It’s not perfect and that’s ok

A financial plan is never perfect or fully complete, it evolves over time as you do.  This may not be as intuitive as it first sounds.  If a plan is not perfect, why spend the time and energy in creating one in the first place?  Does it really make a difference if you...

Sin Limites 

Sin limites means limitless in English.  It’s also the name of a nonprofit organization that has been created to enrich the lives of the Guatemalan people.  What we take for granted every day in our country, even during a pandemic, is often a struggle for those...

Now What?

With election day behind us and two months remaining in the year 2020, what are the best things to be thinking about or doing as we approach the holidays and yearend?  Here is a list of things I’m reflecting on personally with regards to my own financial house: Be...

Wealth Creation

Sustainable long-term wealth is built slowly – especially during these uncertain times.  It’s not the big return years we naturally think of, such as 2017 and 2019, that make the largest impact.  Likewise, it’s also not the years 2012-2016 when we look back in...