For The Business Owner

Small Business Succession Planning

Small Business Succession Planning

The US Small Business Administration’s Office of Advocacy defines small businesses as those with under 500 employees.  In aggregate these organizations make up 99.9% of all businesses and employ nearly half of all U.S. employees.[1]  Clearly, small businesses play a... read more
Why Small Business Owners Should Offer Retirement Plans

Why Small Business Owners Should Offer Retirement Plans

According to a recent industry survey, more than 60% of small business owners are not saving enough money for their own retirements. If the employer is not saving the right amount, it is logical to suspect that the employees likewise are failing to save appropriately.... read more

For The Non-Profit

Collaboration: The Key for Non-Profit Partnerships

Collaboration: The Key for Non-Profit Partnerships

Non-profits must often operate with modest means and resources. Those who work in the non-profit sector are constantly operating with limited resources for effective marketing, outreach, and raising awareness for their cause and potential supporters.  However, many... read more
How a Financial Advising Firm Can Help a Non-Profit

How a Financial Advising Firm Can Help a Non-Profit

Earlier this year I had the pleasure of attending Momentum Nonprofit Partners’ Conference – it was an insightful event, especially through the lens of someone working in finance. The speaker mentioned the term “bizsplaining”, as an act where financial professionals... read more
Is your cash reserve fund working smart for you?

Is your cash reserve fund working smart for you?

Many nonprofit organizations have a cash reserve fund of which the primary objective is to take on limited risk. The secondary priority would be the amount of yield that fund is able to get. Considering these two concerns many nonprofits consider just two choices,... read more

For The Personal Investor

Lifestyle Inflation

Lifestyle Inflation

Young or old, we all experience the pressure to increase our spending as we make more money. Typically, when someone moves into a position where they earn more money, they will increase their spending as well. This phenomenon is called lifestyle inflation, and it can... read more
Credit Score

Credit Score

Individual credit scores and what affects them can be a complicated and sometimes a mysterious part of personal finance. Debt is like fire, it can be a useful tool to cook food and heat things, but used improperly, it can be devastating. However, when used responsibly... read more

For Cash Management

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Behavioral Biases Series

I visualized my grief if the stock market went way up and I wasn’t in it—or if it went way down and I was completely in it. My intention was to minimize my future regret, so I split my retirement plan contributions 50/50 between bonds and equities. —Harry Markowitz, father of Modern Portfolio Theory

I visualized my grief if the stock market went way up and I wasn’t in it—or if it went way down and I was completely in it. My intention was to minimize my future regret, so I split my retirement plan contributions 50/50 between bonds and equities. —Harry Markowitz, father of Modern Portfolio Theory

According to an article published in Seeking Alpha, Regret Aversion “refers to the idea that investors fail to make decisions or take action because of the fear that they will regret it in the future. This bias is closely tied to errors of omission, where an error is... read more
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