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Thursday, November 3, 2022

A message that I’ve been sharing with a lot of folks lately is that the normal pattern for stock performance, as represented by the S&P 500, is literally a matter of one step back and two steps forward. I arrive at this...

Thursday, October 20, 2022

Hopefully, what I have managed to do in Parts I and II of this discussion is define pretty clearly the importance of having the right perspective on the facts, figures, and concepts surrounding the performance of financial resources....

Thursday, October 13, 2022

If someone were to offer you $100 today or $100 a year from now, which option would you choose? This should be an easy question to answer: you should choose the $100 now. But why? Well, initially, we might say that there is no...

Thursday, October 6, 2022

I’ll never forget a phone call that I received from a client who had been with us for about three years. If I had to describe the relationship that I had with this gentleman and his wife, I’d say it was more transactional...

Thursday, September 29, 2022

When you think of a habitual shopper, like someone who really enjoys shopping, what phrases, or ways of describing that person, come to mind? Shopaholic? Shopping is his/her hobby or pastime? Money burns a hole in his/her pocket? How...

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Thursday, September 22, 2022

If you haven’t already noticed, the days of pensions are over. We’re in a new age of retirement planning.According to Due.com, pension plans have their pros and cons:PROSBurden of investing falls on the employer, not the...

Wednesday, August 24, 2022

For those who don't know, 20 years ago I was a sheriff's deputy in a little county in South Carolina called Pickens. Pickens County just so happens to be where Clemson is located, not to mention the sprawling metropolises of Pickens,...

Wednesday, August 17, 2022

The meme depicted above was recently, and oh so generously, shared with me by a friend. The friend, knowing the philosophical nature of my brain functions, figured that it would be right up my alley. In some ways the friend was right,...

Monday, August 8, 2022

As a financial executive who has been in the industry since 1986, I’ve seen a lot of changes in how families handle their money.Growing up, my father managed the finances and my mother had very little interest. This is true for...

Monday, July 11, 2022

Full disclosure: I don’t know whether it is true that the only way to boil a live frog is to put it into room-temperature water and slowly turn the heat up. Tricking amphibians into contributing to their own demise has never been...

Wednesday, July 6, 2022

Many moons ago, I worked for a company out of Augusta, GA that owned the franchising rights to Bojangles. At the time, the group ran six Bojangles restaurants in and around Augusta. My position was that of an area director, which meant...

Friday, July 1, 2022

In our last blog, we discussed getting to a place where you’re experiencing your life the way you want to. The financial planning is working. Your money is helping you create the life you want.Some of you might have heard me say...

Monday, June 27, 2022

The one thing that many people overlook most frequently in grasping the idea of financial planning, and understanding its importance, is just how critical its role is in determining the kind of life they can, and will,...

Tuesday, June 21, 2022

When most people think about retirement, they think about saving for it. But there’s a second phase that many people often don’t consider: actually being in retirement.Most people only focus on accumulating wealth and the...

Wednesday, June 8, 2022

We just discussed how a negative market can destroy our confidence in the investments we’ve made and how we’ll do just about anything to avoid losing. Now, let’s talk about how risk plays a part in our financial...

Friday, June 3, 2022

Whenever we hit a rough patch in the markets, there is one question that likely enters the minds of clients: What should I do? Sometimes, a variant of that question is asked:Should I make any changes?Should anything different...

Tuesday, May 10, 2022

If you were to plan a trip for vacation, the presumption would be that you would plan the best route possible. In all likelihood, however, there would be some things for which you wouldn’t plan, and that’s directly related...

Wednesday, May 4, 2022

Tuesday, May 3, 2022

A plan is nothing more than a pre-defined set of decisions. In other words, it’s akin to saying, “If ‘x’ happens, then I will do ‘y’.” With that being the case, it’s important that we do...

Monday, May 2, 2022

Financial planning seems to be a difficult concept for a significant amount of folks to wrap their minds around, not to mention how mundane it can feel. As such, we wanted to create a video series to help make the concept more...

Thursday, April 28, 2022

While inflation seems to be what everyone is talking about lately, the truth is that this type of activity isn’t new. Further, while I haven’t personally experienced this in my lifetime, and certainly not since I joined the...

Monday, April 25, 2022

Wednesday, April 20, 2022

Tuesday, April 19, 2022

Thursday, March 24, 2022

Saturday, March 12, 2022

In our last post, we've gotten a good start on a weight loss journey. But what happens if the "losing streak"...stops?If you’ve ever tried a fad diet, or even if you’ve taken the lifestyle approach to your health, you might...

Friday, March 11, 2022

In the previous blog, I shared with you the moment I realized a change needed to be made. Now, we’ll talk about how I got started on the right path.To recap a little, it’s probably fair to say that I was embarrassed about...

Thursday, March 10, 2022

I am not shy about sharing my weight loss story. Why? Well, I suppose this is one way to look at my perspective: if I knew something that would benefit others, but I kept it to myself, what would that say about me?More than that,...

Tuesday, March 8, 2022

Financial problems manifest themselves in two ways: quantitatively and qualitatively. Quantitative problems can be defined objectively with numbers—e.g., paying more in taxes than necessary or investment performance falling short...

Friday, February 25, 2022

Monday, January 31, 2022

Thursday, January 13, 2022

Thursday, January 13, 2022

Wednesday, December 15, 2021

Lifestyle Read Time: 3 min Changing Unhealthy Behaviors Most Americans know the fundamentals of good health: exercise, proper diet, sufficient sleep, regular check-ups and no smoking or excessive alcohol. Yet, despite this knowledge,...

Monday, November 29, 2021

We each have two lives: the one we are currently living and the one we want. The life you want might be familiar to you, or at least have some familiar components, but chances are that it is unfamiliar, because you’ve never lived...

Tuesday, November 9, 2021

Tuesday, November 9, 2021

Tuesday, October 26, 2021

It is time for our quarterly perspective on the investing environment. As always, we focus on four factors to develop our perspective of investments: stock valuations, the economy, inflation, and interest rates. We will never be so...

Tuesday, September 21, 2021

For those of you who don't know, I volunteer with a local program, here in Greensboro, North Carolina, for recovering drug addicts. As you might imagine, life has not always been easy for the folks who come through the program, and for...

Tuesday, August 10, 2021

Well, if you can believe it, 2021 is a little more than halfway over. To commemorate that fact, we are here with another edition of our Quarterly Asset Management Newsletter. We hope that life is treating everyone well, and as always,...

Wednesday, February 17, 2021

Dear Friends, We hope you are doing well. Before I dig in to the meat of this post, I wanted to first start off by saying that if you, or anyone else, is experiencing a rough time right now, for whatever reason, reach out, or have...

Tuesday, February 2, 2021

Dear Friends, I’m sure many of you have caught word of what occurred in the markets concerning Robinhood, GameStop, AMC, Reddit users, and others. In case you haven’t, or you don’t really understand what happened,...

Tuesday, February 2, 2021

We believe there are at least two elements to the Robinhood story that deserve to be told with emphasis. The first element is what you’ve already heard: the oddity that is short selling. The second element that we will discuss...

Friday, January 15, 2021

I’m doing a little bit something different on the blog right now. I’m working on a series of posts revolving around opportunity, risk, and decision-making. The motivation for this series came out of a discussion that I had...

Friday, January 15, 2021

Needless to say, things have been pretty dynamic as of late. I’m sure you’re feeling no shortage of uncertainty. So, without further ado, let’s get right into the outlook. Our Three-Point Investment Philosophy We...

Tuesday, January 12, 2021

Dear Friend, 2020 was a doozy, wasn’t it? Good Lord have mercy! Do you realize that all in one year our president was impeached, a pandemic encircled the globe, rioting gripped our country, and we teetered on the edge of having...

Monday, November 30, 2020

In case you thought that car insurance was the only thing that a caveman could teach us about financial matters (thank you, Geico®), think again. Take a little trip with me. Let’s go back in time. Yes, if you can believe it,...

Monday, October 12, 2020

Halloween is less than a month away, Thanksgiving is a little over a month away, and Christmas is just shy of three months away. All of that adds up to the fact that it’s time for our 2020-Q3 Asset Management Near-Term Outlook....

Wednesday, September 30, 2020

Full disclosure: I’m a diehard Clemson football fan. If I’m being completely honest, though, I’m really a diehard fan of college football in general. If there’s a game on TV, it doesn’t matter who’s...

Wednesday, August 26, 2020

There are only two types of people who go to the doctor. Can you guess what those types are? It’s a tough question, but I’ll help you out: healthy people and sick people. How do you know which one you are? I suppose you...

Thursday, August 20, 2020

Whenever I get together with the snoopervisor, it always starts with the typical pleasantries, including some sort of variant of what you been up to? The snoopervisor’s answer of choice to that question? “Just killing time...

Friday, August 14, 2020

I’d like to take a moment to introduce you to Joyce (NHRN). Joyce has been a client of ours for the better part of two decades. She retired about 6-7 years ago and has enjoyed a solid retirement so far, including the occasional...

Monday, August 10, 2020

This newsletter is the inaugural edition of something new that we wanted to start. With the evolution of our services that we have shared with you in previous correspondence, we feel that it is important to communicate regularly to...

Wednesday, July 22, 2020

What we can learn from taking a vacation Four Things We Know About Vacations Vacations don’t solve problems. On vacation, you choose to do the things you want to do the most. Planning for a vacation will most likely take place...

Thursday, May 14, 2020

Like you, we have been profoundly impacted by current events. Learning to live and work in relative isolation is not a transition that we would have ever chosen, but the reality is that a large part of life is how you respond to...

Tuesday, April 7, 2020

When we sit down to get to know someone new, we have observed that there is at least one of three basic emotions that has led to our meeting: Fear Discontent Confusion We believe that… Fear results from feeling as if something...