Vulnerability

Vulnerability

by | Oct 2, 2023 | Blog, Featured

Years ago, when our oldest turned 15 and secured his learner’s permit, my older attorney sister asked me how much umbrella liability coverage Kathie and I had.  I responded, “None!”  She reminded me that over the course of the next 2 years, our liabilities on the road...
Families with Special Needs

Families with Special Needs

by | Aug 31, 2023 | Blog, Featured

There may be no more difficult and demanding family challenge than caring and providing for a special needs child. Over the last 40 years, I have been with couples in the hospital when they first learned their newborn had Down Syndrome or another cognitive disability....
A Client’s Highest Compliment

A Client’s Highest Compliment

by | Aug 20, 2023 | Blog, Featured

I remember working closely with a family and their young adult children who, over several months, asked us to take them through our planning process and bring their portfolios under our management.  Small business owners, we learned this family also owned property...
Procrastination Hides Other Issues

Procrastination Hides Other Issues

by | Jul 24, 2023 | Blog, Featured

When a client says, “I need to think about it,” “Let me get back to you on that one,” or “I don’t feel good about moving forward,” they may be telling you more than they realize. To be clear, there are times when waiting is not only needed but required. In my...
Empty Nest Surprises

Empty Nest Surprises

by | Jul 8, 2023 | Blog, Featured

Summer is the season when many families change. Seniors graduate from high school and college. Children often marry in the summer months. A job change may require relocation.  I remember vividly a conversation I had with my mother 26 years ago when our oldest son...
Money or Behavior?

Money or Behavior?

by | Jun 23, 2023 | Blog, Featured

No one is in the financial services business long before having a conversation with a prospect or client clawing through money problems. Credit card debt, a house-poor mortgage, student loan payments, private school tuition, car payments, and the basic cost of...