About Dave Gardner

David Gardner is a certified financial planner with a practice in Boulder County and can be reached at dave@confluencefa.com and at twitter.com/Dave_CFP.

A Dollar Is Rarely Worth a Dollar

Last week University of Chicago Professor Richard Thaler won the Nobel Prize in Economic Sciences for his work in the growing research area of behavioral economics.  Unlike many Nobel Prize winners, much of Thaler’s work is relatively easy to understand by the layperson and can be widely used to improve our lives. Much of Thaler’s […]

Are Airline Flyer Miles Worth Your Time?

As our recent cool weather in Colorado reminds us, fall is here and snow is near.  While many of us take it as a signal to get our skis ready for the season, it may spur you to plan a warm weather vacation for when the days are short and frigid.   Instead of having to […]

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 […]

College Versus Retirement

It’s a dilemma that most parents face at some point in their lives.  There is a trade off between paying for your children’s college education and your financial independence.  Unless your resources exceed your ability to spend, this is a truism.    Yet it’s one that can be unpleasant to discuss as it could involve your […]

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, […]

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 […]

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 […]

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 […]