In the world of economic and market prognostication I have heard it said many times, “COVID changed everything.” When I hear this statement, I don’t take it to mean COVID changed everything while we are dealing with the acute phase of this...

November is here and for those students who submitted early applications for college admissions, the acceptance letters are starting to arrive in the mail. Having been through this process before, I know it is an exciting time for students and...

Here we are, the strangest political season I can remember will be over within a few days and the new political party breakdown of the federal government should be revealed, which will hence provide us with a better frame of reference for government...

I'm an aficionado of well-delivered one-liners, and I am known to instinctively regurgitate one-liners in a variety of situations, which sometimes leaves my co-workers, or wife, wondering what the heck I’m talking about. While movies are of course...

Each of us has an inherent personal money culture determining much of the way we think and manage our personal finances. In my experience, how we spend, save, invest and even earn money is determined in an often loosely perceived set of unique...

Tuesday evening my brother and I returned from a “Dad’s trip” with our 11-year-olds to the Yellowstone National Park region. It was an amazing adventure, the kids were delightful, the weather nearly perfect, and the wilds of Yellowstone never...

Life isn’t just about numbers. As important as it may be to ensure a sound financial future for ourselves and our families, sometimes it’s equally as important to take the time to relax and feed our souls with good food, music, and great friends....

The Ruiz family has some expertise in bubbles. Our youngest son, Ethan, is a bubble-blowing savant. His version of chilling on a sunny afternoon is to stand on the upper deck blowing bubbles using a variety of tools and techniques. It’s a whimsical...

I’ve had a number of conversations recently regarding the use of living trusts, or a more specific type of trust called an IRA beneficiary trust, as the beneficiary of IRA accounts. IRAs, of course, hold much of the liquid net worth of middle-class...