Fighting the Equifax Credit Breach

While our eyes were trained on a catastrophic hurricane in the Caribbean, a proverbial storm of the Equifax credit breach brought chaos into the lives of most adult Americans regardless of where they live.   If you are an adult reading this, it’s likely you have been affected and your data has been compromised.  By Equifax’s […]

Use the Calm to Prepare for the Bear

We are in the midst of a rather extraordinary stretch of smooth and positive stock market returns.  It’s been well over a year since we last saw a 5 percent pullback in the S&P 500, dating back to Brexit in June of last year.  This spate of peaceful markets is rare.  According to Guggenheim investments, […]

Got High School Seniors?

Another new school year begins and with it, comes a new batch of high school seniors. For these seniors, the final year of high school will fly by and, nine months from now, they’ll be high school graduates beginning their next phase of life.  A few of these students have a clear, well-defined plan but […]

Should You Invest in ETFs?

If you’re not an experienced investor you may not have heard about ETFs, which are an increasingly common way to invest at a low cost.   We’ll take a close look at ETFs to determine if they are right for you when it comes to saving for your future, including its advantages and pitfalls. Why should […]

Digital Estate Planning

With the internet playing an increasing role in our lives, both financial and personal, it is important to have a plan for your digital assets. What are digital assets? Digital assets include any online accounts or any personal information that is stored electronically. This includes accounts that have value attached to them, i.e. bank accounts, […]

Three Ways a Free Dinner Can Cost You a Fortune

By the time you’ve reached your 40s and live in an affluent community, you probably have received at least one alluring invitation for a free meal at a fine restaurant.  Of course if you accept a high-quality meal, you suspect you’ll have to eat through a sales pitch.  You just hope that it’s not so […]

Should You Own a Vacation Home?

If you spent this last holiday week in the mountains, you may have consumed a good amount of your vacation time in traffic. I imagine that the seed of many vacation homes were planted near Georgetown while crawling down I-70 – suffering through a frustrating coda to a wonderful weekend. The vacation home logic generally […]

Why investing internationally is still a good idea

If you’re like many U.S. investors, you may wonder why you would invest in international stocks. Overseas markets just seem riskier, especially when we read news about an on-again off-again Brexit, terrorist attacks in the UK, saber-rattling in the Korean Peninsula, and continued conflict in Syria. No greater financial sage than Warren Buffett, CEO of […]

Leveraging Your Paycheck Through Your Company ESPP

Employee Stock Purchase Plans (ESPPs) are a benefit offered by over 50% of publicly traded companies, yet fewer than one-third of eligible participants use them.  This often-overlooked benefit is a great way to grow your wealth. Unlike other types of stock plans such as Incentive Stock Options (ISOs) or Nonqualified Stock Options (NSOs), generally any […]

Older, worried and working?

  More older Americans are working than ever. The Bureau of Labor Statistics predicts that the greatest employment growth will be among those 75 and older over the next ten years, closely followed by those aged 65 to 74. If you fall in this older worker category, why are you still working? For most older […]

How Does Your Financial Health Stack Up?

One of the most common questions from prospective clients can be boiled down to this: how are we doing?  In our culture, our finances are often kept secret even from extended family.  We don’t have anyone to talk to about our financial strength (or weakness) besides our spouse and that’s only if you’re married. Sure […]

Will Your Property Taxes Skyrocket Next Year?

For the last two weeks largely unwelcome postcards have made their way to Boulder County property owners.  The notice from the Assessor’s office confirmed what you already knew.  Your real estate property’s value has increased significantly over the last two years.   You’re not alone as the increase of the average Boulder County residence exceeded 20 […]