Latest Thinking

Using Wealth Promoting Investing Patterns

By using either dietary or investing guidelines you can customize the framework to meet you where you are and develop patterns that will drive positive long-term results. Consistent good decisions, however small they may seem, can make a huge difference when compounded over a lifetime. Make every bite count, make every dollar count.
View More >>

The Practice of Financial Planning

You can make financial planning an event, something that you do once, where you place that fancy binder on a shelf to remind you of its completion. Or you could make financial planning a practice where you regularly review your plan and make informed decisions and adjustments as life plays out.
View More >>

Specificity in Investing

In training and investing, we are dealing with limited resources and have to find balance and make compromises as a means of achieving our set objective. As our objectives change we will likely have to make adjustments to find a new optimum for our given circumstances. Being able to continually iterate and make the most of what you have is a key component to success in any endeavor.
View More >>

Pain and Underperformance

For many, investing can be seen as a “painful” experience, because you often expose a portion of your portfolio that experience market volatility. When investing you must determine if the pain you are experiencing is indicating harm (damage) or is to be tolerated.
View More >>

Gage Reflects on His First Investment 

Everyone has to start somewhere, and there should not be any judgment placed on that person for not knowing “better.” They are likely doing the best they could with the resources they were given.
View More >>

A Review of Merrell Wilderness boots

Nevertheless, after you've done all your mental calculations regarding cost, weight, etc., remember that we're only here for a few truly short moments, so why not hike (or just luxuriate) in style?
View More >>

How Much "Risk" Must you Take?

Risk presents itself in many forms and changes with time horizons. Something that provides you desired certainty in the short-term is likely to provide undesired certainty in the long-run. Finding the balance here is an art rather than a science.
View More >>

Adapting Portfolio Withdrawals in Retirement

If 2020 taught us anything, it's that we humans are adaptive creatures and can adjust to things that before never thought could happen. Often we can not control the circumstances we find ourselves in, but we can always choose the attitude we take towards them. Have confidence in your ability to prevail, just like you did with all the obstacles you have already faced.
View More >>

Glass Half-Full Thinking

“Doubt is an uncomfortable condition, but certainty is a ridiculous one.” ? Voltaire
View More >>

How to use RPE in Financial Planning

All experience is subjective. - Gregory Bateson
View More >>

Understanding Healthcare When Retiring After 65

Medicare is complex and there are many decisions one must make when choosing their healthcare coverage. If you are over 65 and still employed it is important to first understand when the coverage you currently have through your employer, which (if any) part of Medicare you are already enrolled in.
View More >>

The Sky is Always Falling

The sky is always falling disaster is always imminent, there are countless platitudes I could use. In the end, you must try to do what Reinhold Niebuhr said and accept what you can not control, have the courage to change what you can, and have the wisdom to know the difference. No matter what happens you control your attitude in any given circumstance.
View More >>

Comparison Kills Contentment

'If you know your enemy and know yourself, you need not fear the result of a hundred battles.' (Sun Tzu, The Art of War).
View More >>

What can you do with a 401(K) from an old job?

When you leave your current employer, you may not be exactly sure what to do with the money in your old employer's 401(K) plan. I have listed out the available options and detailed the factors to consider in the hope to help you make an informed decision.
View More >>

Why Gage Hired a Personal Trainer

“A smart person learns from his mistakes, but a truly wise person learns from the mistakes of others.” -Ken Schramm
View More >>

When Should You Claim Social Security?

If your retirement income stool only has two legs, you should be more concerned with having a secure floor.
View More >>

Claiming your Spousal Social Security Benefit Early

Can a spouse take their spousal benefit before they could take their own benefit?
View More >>

2020: Health Insurance Pre-Medicare

Planning for healthcare is highly individualized and the expected costs could vary greatly based on the type of coverage available, your age, gender, health status, and geographic location. Getting a grasp on how these factors affect your situation can help to make more reasonable assumptions when planning for retirement pre-medicare.
View More >>

Don't be a Retirement Maximizer

“The secret to happiness is low expectations” - Barry Schwartz
View More >>

Don’t Lose Sight of What Matters

Health is not the weight on the scale, success is not the size of the portfolio.
View More >>

What Gage Learned from Riding Porcupine Rim

Porcupine Rim is one of the most technical and dangerous rides in Moab, Utah and Gage thought it was a good idea for him to ride down it.
View More >>

What Got You Here, Will Not Get You There

Historically, the majority of accidents on Mt. Everest do not happen on the way up but rather, on the way down.
View More >>

Is Social Security Going to Run Out?

Many retirees rely heavily on Social Security as a source of retirement income and fear it will run out of money.
View More >>

The Benefits of Just-in-Time Learning

It is likely you have picked up information about retirement planning along your journey, but it is unlikely that you remember all the details and nuances. Or worse yet, the information you learned in the past is no longer relevant!
View More >>

Think Strategically, Act Tactically

Most people have a goal of having a successful retirement, but they don’t really plan out how they are going to achieve this.
View More >>

Western Reserve Capital Management Cookbook

About six months ago I began making my own sauerkraut. Since then, I have been asked by friends who visit my house, "What is in those jars, and why are you making this?" Part of my answer is, is that it saves money and the other part of my why is the health benefits. It also doesn’t hurt that making sauerkraut is a good work out for you!
View More >>

What rabbits can teach you about investing

In investing, you have to make decisions based on incomplete facts. You must embrace the uncertainty and estimate the probability of various outcomes.
View More >>

The Guide to Accessing Your "my Social Security" Account Online

Accessing your "my Social Security" account online is easy and necessary to view your estimated benefits before age 60.
View More >>

Don't Just Do Something, Stand There

What is Action Bias? There are times people have an impulse to act in order to gain a sense of control over a situation and we focus on the benefits of action and ignore the costs. This term has been named Action Bias.   Reasons for Action Bias:There are times when thoughtful inaction is statistically the correct choice, but prior research has found the urge to take the dramatic action approach can trick us into bad decisions...
View More >>

The Signal and the Noise

For those who want some perspective on what we do and don’t know about statistics as it’s applied to real-world problems Silver's book is an interesting read and provides actionable ways to implement prediction techniques to makes better decisions.
View More >>

Estate Planning in the Digital Age

We often ask; what would happen to everything you own if you were to pass away tomorrow? Does any of your family members or loved ones know where to access your important documents or passwords? Would they know what to do with the information once they got a hold of it? As part of the financial planning process, we review all our new client's estate plans and help get them organized, this includes creating a Legacy binder. What is a Legacy Binder you ask?
View More >>

What is a Required Minimum Distribution?

What is a Required Minimum Distribution?    A required minimum distribution (RMD) Is the amount of money that must be taken out of a traditional individual retirement account (IRA) or 401(k) once account holders reach a certain age. RMDs were put into place to prevent people from using retirement accounts to avoid paying taxes. You must take your first RMD by April 1 of the year following the year in which you turn 72 (70 1/2 before 2020).
View More >>

From Certified Personal Trainer to Certified Financial Planner®

I often joke with Jim when I become interested in something, I go down the proverbial “rabbit hole” and go very deep on a specific subject and try to learn as much as I possibly can. As I look back at my career thus far this holds true. When I became interested in fitness and nutrition, I became a Certified Personal Trainer and when I became interested in personal finance, I became a Certified Financial Planner®. 
View More >>

Welcoming Gage Paul Aboard

We're excited to share with you some great news about the firm.
View More >>