RCU: What Report Cards Teach Us About Retirement

Recently, I was helping one of my kids clean out their room. In one of their drawers were some old report cards. Looking at these documents was like a stroll down memory lane for me. When they were 4, I remember they could “identify numbers” and had “empathy for their peers.” By elementary school, they […]

Portfolio Construction

How do we construct portfolios for our clients? It’s simple. We take a systematic approach!

What a Refrigerator Can Teach Us About Investing

For most of us, the refrigerator is a hugely valuable (if underappreciated) appliance. Like a refrigerator, a cooler is designed to keep items cold. However, it is portable and allows us to go to the beach, pool, or tailgate. Of course, thermally insulated cups are also portable and have become so popular that many car […]

Portfolio Construction and the Butterfly Effect

“A very small cause which escapes our notice determines a considerable effect that we cannot fail to see, and then we say the effect is due to chance.” – Jules Henri Poincaré (1854 – 1912) The “Butterfly Effect” is commonly referred to as the large unforeseen consequences that can occur due to a small event.  Over […]

Is Diversification Really Necessary?

Father and son working together

Over the past year, I had the joy of having my 14-year-old son as my COVID-induced office mate.  Every day as I was working, I would overhear his teachers as they did their best to keep kids engaged in their online learning environment.  Little did I know that while I was eavesdropping on his conversations, […]

What gold, silver, and bronze medals can teach about investing

Olympic medals and what they can teach us about investing.

Every four years (or five thanks to COVID) the Olympic Games offer the world an opportunity to watch athletic greatness from the comfort of our couches.  In addition to historically popular events such as Track and Field, Gymnastics, or Swimming there are events such as Artistic Gymnastics, BMX Freestyle and Trampoline.  The culmination of every […]