Resources and Stories for Real People

Our financial blog offers valuable information on wealth planning and investment management and provides perspectives on how to communicate more effectively and get organized when it comes to finances.

Fear and excessive frugality can stall retirement joy. Learn how shifting from saving to spending can support a more fulfilling and generous next chapter.

An elderly couple moving to an assisted living apartment calls their son in another state for help moving their belongings. A widow in her 90s finds it difficult to clean her home, yet refuses to hire help. These people are not wealthy, but neither are they poor. Each has more

while opinions on the U.S. bond market make headlines, we share a few facts that may help long-term bond investors

In a volatile year for U.S. stocks, the overall U.S. bond market has maintained a positive year-to-date total return throughout 2025. For investors allocating to balanced portfolios of both asset classes, bonds are likely to have played a useful role, sometimes helping offset periods of disappointing stock returns and reducing

While the merits of global diversification have always been strong, recent events provide new considerations that point back to the potential risk management benefits of spreading our portfolios across the broader opportunity set.

A recent study from Morningstar’s Jeff Ptak estimates that the average U.S. fund investor held about 82% of their equity portfolios in U.S. stocks as of late 2024.1 Although the U.S. market has undoubtedly grown relative to non-U.S. stocks over the last 15 to 20 years (as shown in Figure

Explore how the headwinds vs. tailwinds bias shapes our perceptions—and how recognizing it can lead to more thoughtful financial decisions.

My daughter’s bus leaves her stop at 7:25 a.m. To get there with ample time, I know I need to leave our house at 7:15. Otherwise, I risk needing to text the other bus stop parents something along the lines of, “Hershfield family coming in hot! Please hold the bus

Explore the Lump Sum vs Annuity retirement decision and understand how perceptions of wealth impact this important financial choice.

The Illusion of Wealth

Imagine you’ve been granted a choice from a magic (retirement) genie. He asks if you’d rather have $100K at the start of your retirement or $500 per month for the duration of your retirement. Which would you choose? Or, what if the choice was $200K versus $1K per month? Which

Warren Buffett’s investment wisdom on stocks, dividends, and why price matters in building long-term wealth.

Lessons From the Oracle

Many consider Warren Buffett to be the most famous value investor the world has ever known. This can be debated, but with an investment career that spans nearly seven decades, he has undeniably learned a thing or two about markets. How else would you get a nickname like the Oracle

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The Millionaire Within

The Millionaire Within

Intelligent financial decision-making is not about money. It’s about emotions, behavior, and unleashing the power that lies within you.

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