Box of Legos

Like many families, we have what seems like a million Legos in our house.  They accumulated slowly overtime, typically around birthdays and holidays.  All of our boys have enjoyed playing with them, my youngest still loves them.  Financial planning is a lot like a...

Up Down

A lot of discussion has taken place about the recent volatility in the market.  Big swings, up and down, are now the norm.  Some have speculated that the waves have been caused by gamblers looking for a quick win.  “It’s hard to bet on your team when no teams are...

Benchmarking your savings & investments

Now’s a great time to check your cashflow and benchmark the amount that you save and invest each month.  The key to successful investing is not picking the right company or fund, timing, or trading techniques to increase the balance of your account.  In fact, most of...

Using an investment policy statement

There are many risks to assess in a financial plan.  In my opinion, the most underappreciated risk is purchasing power risk as it often sneaks up on you overtime.  Our brains view “risk” in a singular format and equate it to losing something.  For example, I “lost”...