Richelle Hofer 
If you’re getting close to retirement and working with a financial advisor, chances are you’ve been pretty organized. Most of the prospective clients I meet for the first time come in with: But there’s one question that almost always stumps them: “How much are you spending each month?” It’s the most important—and most underestimated—part of … Read more
Life, Liberty, and the Pursuit of What Exactly? As we approach the Fourth of July, I’ve been reflecting on that iconic phrase from the Declaration of Independence: “Life, Liberty, and the Pursuit of Happiness.” It’s a bold promise. And yet, somewhere along the way, many of us swapped that last word. We replaced happiness with … Read more
Are You Still Doing Things You Don’t Have To? When you start thinking about to enjoy retirement, you’re probably focusing on what to start doing—travel more, pick up hobbies, spend time with family. But just as important is knowing what to stop doing in retirement. Why? Because the habits that served you during your working … Read more
If you’re comparing investment portfolios, it’s easy to be dazzled by one that would have crushed it over the last decade. But here’s the catch: just because a portfolio looks amazing in hindsight doesn’t mean it’s the best investment strategy going forward. In fact, these backtested portfolios may be giving you a false sense of … Read more
Why real wealth isn’t just about growing your money—it’s about using it to build the life you actually want. We talk a lot about money in this business. But if you’re like most of the people I work with, you’re not chasing wealth for wealth’s sake. You want to use your wealth—wisely, thoughtfully, and with … Read more
Because “you get what you pay for” doesn’t mean you have to overpay. Let’s be honest: No one wants to hire the cheapest brain surgeon. Or trust the lowest bidder to build their dream home. And when it comes to your life savings? Same idea. You want good advice, thoughtful strategy, and a team who’s … Read more
A few years ago, a good friend of mine asked me to consider the difference between “strength” and “power”. I have been pondering this concept ever since. I’ve been spinning it around and around in my head and considering it from all angles. At first glance strength and power seem pretty similar. We largely use … Read more
Serving as an executor (or personal representative) can be a lot of work and take a lot of time, so it’s understandable that you would want to reduce the hassle for your loved ones as much as possible. As a financial advisor, I often hear people talking about various estate planning strategies they wish their … Read more
When it comes to managing investments, “don’t put all your eggs in one basket” is probably one of the oldest and arguably wisest principles you should apply. But it’s also perhaps the most misunderstood. “Don’t put all your eggs in one basket” usually refers to diversification. A portfolio that isn’t properly diversified can lead to … Read more
Congratulations! You’re getting remarried! How exciting! And maybe a little terrifying? Like just about every big decision in life, there are probably many layers to the emotions you’re feeling. There are a lot of things to consider in a second marriage… things you didn’t think of in your first marriage, things you think about differently … Read more