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Doing your own investing has never been easier. The tools are accessible. The fees are low. The online resources are endless. But there’s one cost that often gets ignored: peace of mind. 1. Confidence Feels Easy in Good Times When markets are calm and rising, it’s easy to feel in control. A few smart moves…

For the wealthy, credit scores can feel like a formality. After all, when you have ample liquidity, who’s really checking your credit?  Turns out, plenty of people are. Lenders, underwriters, insurers, and even business partners may review your credit as a measure of trustworthiness and financial discipline. And while a high-net-worth can open doors, a…

Retirement gives us something incredibly rare: time. Time to reconnect with what matters, explore new passions, and create moments that stay with us. But when it comes to how we use that time – and money – it’s easy to default to things we can buy. Here’s another way to think about it: How can…

Money can be a sensitive topic for couples—even those who typically communicate well. Over the years, we’ve observed a variety of financial disagreements and we’ve noticed a few common themes. Understanding these frequent arguments can help you navigate your financial relationship with greater ease and harmony. 1. Supporting Adult Children It’s natural to want the…

Exchange-Traded Funds (ETFs) can offer a great mix of diversification, flexibility, and cost efficiency. Used by both institutional and individual investors, they have become a staple in portfolios, blending the best aspects of stocks and mutual funds to create a powerful investment vehicle. But what exactly are ETFs, and how do they work? 1. ETFs…

Luxury watches have long been a status symbol, but in recent years, they’ve also become a popular investment. While some collectors have made impressive returns, smart investing takes patience, research, and a clear strategy. Let’s look at some of the pros and cons of investing in watches.  Pro: Strong Potential for Value Growth Luxury watches…

When it comes to personal finance, one of the most common—and frustrating—answers you’ll hear is, “It depends.” Whether you’re asking about the best way to invest, how much you should save for retirement, or how to minimize your tax burden, the response is often the same. And while “It depends” might seem like a cop-out,…

When we think about retirement, we often focus on financial readiness. But an equally important aspect is how you’ll spend your time. Without the structure of a job, it’s essential to have a plan for how you’ll spend your time. One way to prepare is to test-drive your retirement lifestyle before making the big leap.…

When we think of financial advisors, we often think of people in suits with charts and financial plans. But our first “financial advisor” is usually someone closer to home—a parent or friend who influenced our money mindsets. While they didn’t provide professional financial advice, they may have shaped your feelings towards saving, spending, and other…