Broker Check


September 2017

Realistic Projections = Robust Saving
Getting rid of Humpty Dumpty numbers.

Want Guaranteed Lifetime Income? Add Annuities
Better ingredients, greater certainty.

Do the Right Thing: Insure Your Economic Value
You are your most valuable financial asset. 

Accountability in Personal Finance
“Should I ask why you’re doing that?”

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August 2017

You Are Not So Smart (but You Can Get Lucky)
The real secret to success.

The Stresses in Staggered Retirement
When one retires and the other keeps working.

The Return of Alt-Mortgages
The logic of lower payments, less equity.

Your Employer as 401(k) Loan Officer
Retirement plan sponsors make the rules.

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July 2017

Professional Assistance = Time Management
Financial management is ultimately time management.

Jocks, Docs and Disability Insurance
The best ability is availability.

New Twist: Selling Home Equity
Cash out with no monthly payments? Remember: TINSTAAFL.

The Details of Distribution
Some basic concepts for cash-value distributions.

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June 2017 

The Same Retirement in Feet and Meters
Does $1 million = $5,000/mo?

For Owners, It's Different
They're not employees.

From Stick House to Brick House
An alternative for long-term cash reserves.

Less Debt is Better For You

For many, the biggest item in wealth management.

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May 2017

Financial Ideas That Have “Jumped the Shark”
Still around, just not as cool.

Life Insurance: Asset or Liability?
Money in your pockets or out? 

The Need to Blame a Real Person
Off-loading responsibility for the tough decisions.

Your First Home May Be a Horizontal Apartment
A home with no down payment. And no equity.

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April 2017

Can You Be Trusted with Your Money?
Do you have the character to execute better strategies?

The "Professional Deformation" of Life Insurance
The problem of evaluating everything as an "investment"

Connectivity Insurance
Protecting the newest essential asset - your smartphone

It's Never Too Late to Pass Along Financial Wisdom
"I wish I had..." and "I'm glad I did..."

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March 2017

Knowing the Reasons NOT to
Not everything is a good fit.

Austerity vs. Borrowing in Personal Finance
Cutting expenses, increasing income, and "robust saving."

The Wealthy Are Different: They Own Life Insurance
Experts say the "smart money" doesn't own life insurance. Except it does.

The "115" Plan: Better Than Conserving Principal
There's a hard ceiling on maximum age.

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February 2017

Capital Management: Your Economic Edge over Automation
If a robot does your job, what will you do?

Life Insurance: Still Good for Estate Planning
Guaranteed Liquidity, precisely when needed.

The Best Return-Boosting Strategy
It's D. (You gotta see the math!)

Let's Start with a Vacation!
Because it's like retirement, sort of.

January 2017

Maybe It's Time to Say 'Uncle'
Some 'firm but benevolent advice'.

Taking Aim at Prosperity - By Borrowing
Saving is essential, borrowing can turbocharge.

This Video Should Go Viral
Really, Should it.

How Astronauts Signed for Life Insurance
Turning the high risks of space flight to a financial advantage.

December 2016

Read This Article (for at least 6 minutes)
For financial wisdom, text beats video.

Hedging Your Life Insurance Program
Options for those times when resources don't match opportunities.

When Should Your Internal Fiscal Year Begin and End?
The calendar year may not be in sync with your fiscal year.

"The Story of Sport and Money" Begins with a Fight over a Life Insurance Policy
Arnold Palmer wanted a life insurance policy...Management said "No." Oops.

November 2016

Life Satisfaction from Cash on Hand
The benefit of increasing people's immediate access to money.

Dear IRS: I Messed Up My Rollover, But I Have a Pre-Approved Excuse
A new form - or a much more expensive review.

The Brave New World of Legacy Planning for Digital Access
"The most important law you don't know about."

Never in 5,000 Years: Anomaly or the New Normal?
The lowest interest rates of all time. Ever.

October 2016

Making Life Insurance "Occam Simple"
When complexity leads to greater confusion, it's time to apply Occam's Razor

"Take Me Economist...Please!"
Theoretically, it's a joke. In reality, not so funny.

Deferred Compensation in College Football
Why does a coach borrow to buy life insurance?

The Reverse Mortgage: Using Home Equity in Retirement
A unique way to spend the equity while continuing to live in the house.

September 2016

Preparing for What You Can't Prepare For
How do you prepare for unknown, random events that can undo everything?

Retirement Spending: The Difference Between Theory and Practice
The reason most retirees have a "consumption gap."

A Generous Banker Shouldn't Tempt You To Be a Foolish Borrower
If these were business loans...

What's the End Game for Your Home?
The Ripple effects of Liquidating your largest asset or continuing to live there.

August 2016

Resolving Tribal Conflict in Retirement Planning
It's not a football game, it's your retirement.

Cars, Weddings and Other $30,000 Projects
Overlooking "small" projects can mess up the big ones.

Inheritance Equalization Strategies for Business Owners
The challenge of equal and equitable.

Why You Want Oterhs to Become World-Class Savers
Does it make sense to help your "competitors"?

July 2016

Are you Ready for the Gig Economy?
The opportunities will come to those who are prepared.

In the Right Language, "Wealth management" Starts with "Cash Flow"
Translating "Working" and "Spending" to make sense of your financial story.

Self-Insurance: Done Best by...Insurance Companies
"Self-insure whenever you can," he says. Except he doesn't.

The Invictus Illusion
Just Because you say so, doesn't make it so.

June 2016

Your Ultimate Financial Objectives: Spend and Enjoy!
Accumulating is only half the process.

Has the "Trade Up" Track for Real Estate been Derailed?
Is there a shift in the fundamentals of home ownership?

You Don't Get to Define Your Disability
"If I'm Disabled, I'll still work."

At Retirement, How will Your Cards be Shuffled?
The first cards matter most, unless you play it differently.

May 2016

Designed for Blue Water
Critical elements for surviving life's financial storms.

ZIRP, NIRP and Helicopter Monday: What Do You See?
Do you see more spending as the solution

60 Percent of What?
Making sure "covered" means what you think it means.

Meet with Your Advisors in the Morning (and eat a good breakfast)
It's science, and it's a good idea.

April 2016

Inequality and Instability
Shaping your personal economic policies to stay on top.

It's the Same Thing...Except it Isn't
Two proposals. Only one has a guarantee.

Income Education: Tontines, Annuities and Mortality Credits
"old" ingredients in the new retirement income cocktail.

Trouble and the Executors
A large estate "dogged" by missed details.

March 2016

The Realistic Response to "Expert" Optimists
Relentlessly optimistic, regularly surprised? You need insurance.

How Two Health Care Laws Uncovered a "Bulked Up" Retirement Account
It may be better than a 401(k) with a match. Really.

Life Insurance is an Uncorrelated Asset Class (and Why That's a Good Thing)
Modern Portfolio Theory likes uncorrelated assets.

Strategy: Pay Life Insurance Premiums with Portfolio Earnings
Integrate to Innovate.

February 2016

"It Does Not Follow" - Non Sequiturs in Financial Comparisons
The phrasing may be confident, but the logic? It simply does not follow.

Average Annual Rate of Return: (If you're going to use it, know what it is)
Why your true numbers probably won't match the "official" ones.

Creative "Event Insurance"
Turning bursts of prosperity into lifetime assets.

"Doing Security" with the Upper Middle Class
Risk management issues for those who are still building wealth.

January 2016

The Cyborg Solution to Personal Finance
Can eliminating the human from personal financial really make things better?

The Government Reserves the right to Move the Goalposts (and Does)
The risk of arbitrary change in government-sponsored benefits.

Rejuvenating Neglected Life Insurance Policies
Ways to get a derailed life insurance policy back on track.

Is Consumer Lending About to Get 'UBERIZED'?
Peer-to-peer lending: "an e-Bay for credit.