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What defines an excellent financial advisor? If you asked five different people, you’d likely get five different answers. However, when you ask thousands of people, clear trends emerge. Much like Dimensional Fund’s survey of 19,000 investors, these shared attributes give us a pretty clear idea of what separates a truly effective advisor from the rest. …
When we are little, all our worldly possessions fit inside a single box. As we grow up, we acquire more things… and need more boxes. As we complete our educations and launch into our careers, we begin a march towards ever-increasing financial complexity… And we continue to need more boxes. At some point, you may …
Inflation is a reality we can’t ignore, but we don’t have to let it derail our financial goals. If you’ve read these missives for a while, you know I always come back to the same principles: intentionality, awareness, and long-term thinking. While inflation makes things more expensive, it’s our plan and the implementation of that …
Here we are, again, in the midst of market turbulence… As a reminder, the average annual peak-to-trough decline in the S&P 500 is nearly 15%. This means that every year the market drops at some point (from a high point to a low point within the year) by an average of 15% – some years …
When I offered my first meditation class, I stated clearly that it was “free.” During my review after the fact, my mentor explained to me – in no uncertain terms – that I should not offer free meditation classes because: Going forward, my meditation classes (and possibly more of Mindful Money digital educational courses) will …
For the last decade (or so), I have written both an annual and a mid-year letter to our readers. In the beginning, it was intended for our clients, but today we have over 2500 readers (fewer than 10% of which are clients). I’m happy to share my goal-focused, planning-driven, long-term equity philosophy as broadly as …
Investing can often feel like navigating a vast, unpredictable ocean. Markets rise and fall, news headlines shift sentiment, and even seasoned investors can find themselves questioning their decisions. In such a turbulent environment, finding a guiding principle can be invaluable. There was a book I read to my kids when they were young, Zen Shorts by Jon …
If you spend a little time on Mindful Money, you might get the sense that I recommend against hiring a financial advisor. And, while it is true in many cases, such as: It isn’t always true. The financial press covers the daily gyrations of economies, markets, and individual investments in a way that makes the …
I talk a lot about the idea that stock prices follow earnings. This is what that looks like over 30 years: At the same time, whenever the stock market is bouncing around near all-time highs (as it is today), I start to get questions about the market getting “too high.” So… are today’s stock prices …
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