Investing and financial planning
Clear thinking about markets and finance.
I write occasionally about market dynamics, investment themes, and the fundamentals of financial planning, from the point of view of a CFP® professional.
Writing
Recent notes
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Diversification feels boring until it doesn't
Something in a well-built portfolio is always lagging. That is not a flaw to fix. It is the whole point.
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A plan is more than a portfolio
Your investments answer one question. A financial plan answers the one that comes first: what is the money for?
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More notes on the way
I publish when I have something worth saying, so expect new posts occasionally rather than on a schedule.
What I write about
Markets
How interest rates, earnings, and sentiment move prices, and what that means for long-term planning and wealth creation.
Investment themes
Big-picture ideas such as concentration, diversification, portfolio management techniques, and the art of capital allocation.
Planning fundamentals
Plain-language explanations of the concepts behind retirement, taxes, risk, and estate planning.
About
Planning, explained plainly.
I am a CFP® professional who works with families on investments, estate planning, and long-term financial planning. I write to make money concepts easier to understand, and to put timely topics and market themes in context for a broad audience.
Everything here is general information. It is meant to help you think, not to tell you what to buy.