For those who’ve been reading the blog for a while, you’ll know that I spent a good portion of my time between 2020 and 2025 obtaining a Ph.D. in Personal Financial Planning. Among the great joys of learning, what I specifically focused on was understanding the business of money. In particular, the financial planning business and the curious relationship financial …

This morning, reading the news, I was bemused to see a headline: “Tax Measure Would Fund Police, Fire Staffing, in Longmont”. I was bemused not because there’s anything wrong with that headline in and of itself, but because it niggled a part of my brain. Didn’t we just do this? Well, it turns out, sort of. What I was being …

As financial planners, we’re often in the position to review the finances of clients as they are when they come to work with us, and we’re privileged to see how their finances change over time. Some are happily growing their wealth, while others come to us with the goal of decreasing their wealth and increasing their return on life. Priorities …

Last week, we provided a layman’s overview of bonds, and if you haven’t read it yet, you can find it here. At the urging of one of our very well-informed clients on the subject of bonds, this week we’re moving on to the natural extension of bonds by which most everyday investors buy them, which is through bond funds. While …