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Our Latest Posts

  • Where do we go from here?August 6, 2020 - 4:35 pm
  • Silver lining: Refi OpportunityJuly 30, 2020 - 3:34 pm
  • Financial Quick Hits…..Quick AdviceJuly 23, 2020 - 4:04 pm
  • A Consistent Philosophy MattersJuly 16, 2020 - 3:17 pm
  • How to Deal with Lower Interest RatesJuly 9, 2020 - 4:44 pm
  • Is there a disconnect?July 2, 2020 - 4:46 pm

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  • ▼2020 (33)
    • ▼August(1)
      • Where do we go from here?
    • ▼July(5)
      • Silver lining: Refi Opportunity
      • Financial Quick Hits.....Quick Advice
      • A Consistent Philosophy Matters
      • How to Deal with Lower Interest Rates
      • Is there a disconnect?
    • ►June(4)
      • Blog post 450: A Milestone Interview
      • Making financial decisions easier
      • Purely Personal - Graduation Edition
      • Dealing Thoughtfully with Uncertainty
    • ►May(4)
      • Adapting and Investing - Part I
      • Thinking about risk
      • Social Security Projections and Impacts for All
      • Credit Card/Grocery Tips and Thoughts about Buffett
    • ►April(6)
      • Riding a Financial Roller Coaster
      • Thoughts on Where We are Now and Headed
      • Hope
      • The Current Reality and How to Deal with It
      • CARES Act and Tax Update
      • Tax Relief Q&A
    • ►March(4)
      • The New World-Part 2
      • Responding to a New World
      • Dealing with this situation
      • Berkshire Hathaway Annual Letter thoughts
    • ►February(4)
      • Coronavirus: Update 2
      • Being prepared
      • Investing implications of Coronavirus outbreak
      • Are you improving your habits?
    • ►January(5)
      • Dow Nearing 30,000: The Implications
      • Talking About Your Family's Financial Future
      • Getting Personal....Hope is not a plan
      • The Value of having an Investment Plan
      • New Year....New Retirement planning and tax changes
  • ►2019 (50)
    • ►December(3)
      • Gratitude during the holiday season
      • Looking back and forward, Part 2
      • Looking back and forward, Part 1
    • ►November(3)
      • Give Thanks
      • Personal Success.....Our Coach of the Year
      • Importance of Staying in the Game
    • ►October(5)
      • Three Cuts and They're Out-For Now
      • Investing in ourselves....for you
      • 2020 Social Security Benefit and Payroll Tax Increases
      • The Value of Fixed Income
      • Financial Markets Don't Come with Traffic Signals
    • ►September(4)
      • Italy, Investing and Principles
      • Credit score tips and tricks...for everyone
      • High yield dividend stocks: good or bad?
      • Dealing with Change
    • ►August(5)
      • Long Term v. Short Term
      • Market update: August 2019
      • We are excited to announce.....
      • It's that time of year......again
      • Fed Lowers Interest Rates, Needed or Not
    • ►July(4)
      • Why can't I watch CBS on my TV?
      • What does our crystal ball show?
      • Enough
      • Freedom and opportunity
    • ►June(4)
      • A Milestone and reflections
      • Good Decisions.....A better financial life?
      • In Your Best Interest
      • Market update - June 2019
    • ►May(5)
      • Is the a better way?
      • When the unexpected occurs....are you prepared?
      • Different choices, same end goal
      • A Key to Financial Success
      • Changing Perspectives
    • ►April(4)
      • Should You Get Out or Stay for the Ride?
      • Make Things Better
      • "All in" on must see Jeopardy phenom
      • Spring Investment Fundamentals
    • ►March(4)
      • Handling recession and interest rate fears
      • Major Financial Plot Twist
      • Investing and Brackets
      • Checking up on things
    • ►February(4)
      • Lessons from Warren Buffett, 2019
      • The Real News About Charitable Deductions
      • Will you even remember this occurred?
      • Realistic expectations
    • ►January(5)
      • What do you need?
      • Investing with a Shutdown and Uncertainty
      • The Impact of an Investment Icon
      • The Power of Diversification
      • New Year's Resolution for 2019 and every year
  • ►2018 (51)
    • ►December(4)
      • Reflections on 2018
      • Is the Fed acting like Grinch?
      • Why we recommend an Investment Plan
      • Handling the stock market roller-coaster
    • ►November(4)
      • Market Update
      • Giving Thanks
      • Rapid Changes......what they mean
      • How to be more secure and help your favorite charity
    • ►October(4)
      • Reflections on the Week
      • 2019 Social Security Benefit and Payroll Tax Increases
      • Market commentary, October 2018
      • A Tribute to a Special Person
    • ►September(4)
      • Fed Continues Interest Rate Increases and Spain (Part 2)
      • Discipline and Spain travelogue
      • What do you want to hear?
      • Transitions, Discipline and Milestones
    • ►August(5)
      • When Average is Not Average
      • Purpose and goals
      • Why we recommend the direct, not alternate route
      • How long can this positive streak continue?
      • You worry and we respond
    • ►July(4)
      • The One Stock to Own for the Next 25 Years
      • Guidance for a Key Social Security Decision
      • How a credit card can save lots on trip insurance costs
      • Investing with trade tariff concerns
    • ►June(4)
      • Positive Things Happening in "Our Towns"
      • What we know and don't know
      • Fed Reserve, Stock Market Actions and a WWM Milestone
      • Clarity on Charitable Contributions
    • ►May(5)
      • Why Bond Fluctuations Should be Ignored
      • Timeless Advice
      • Longevity and Retirement planning for the long term
      • A Formula for Investing Success
      • The Power of Investing In......
    • ►April(4)
      • 10 spring financial and tax things to do
      • $1 Billion Tax and an Incredible Investment Story
      • Major change to credit cards coming
      • Trade wars, volatility and the stock market
    • ►March(5)
      • What are you earning on your cash?
      • Traveling and Investing Successfully
      • Uncertainty and Financial Planning
      • What happened in February?
      • Learning from Warren Buffett
    • ►February(4)
      • Legacy and Change
      • How did you do?
      • Return to Volatility and Normality
      • A Life Changing Decision
    • ►January(4)
      • Handling Market Gains
      • Interest rate changes: what you should know and do
      • 5,000, 30, 5 and 2: what do they mean?
      • The January Effect: Myth or Reality?
  • ►2017 (51)
    • ►December(4)
      • Actionable Information
      • Financial Lessons from 2017
      • Bitcoin Mania: What's it all about
      • Tax planning during uncertainty
    • ►November(4)
      • Trust, Winds of Change and Financial Advice
      • Giving Thanks
      • This time it's different....or not?
      • The financial markets today and going forward
    • ►October(4)
      • Chutes and Ladders
      • Decisions: Past, Present and Future
      • What if?
      • Estate Planning: What you should be considering now
    • ►September(4)
      • Tax reform update and 2018 Social Security Projections
      • Diversification for investment success
      • Equifax data breach and how it will affect you
      • Questions to Ask Your Financial Advisor - Part 2
    • ►August(5)
      • Questions to Ask Your Financial Advisor - Part I
      • Do you notice the change?
      • This time is different...and why
      • Yes, we really wrote this
      • Are you pleased, surprised or worried about the stock market?
    • ►July(4)
      • Have you checked these recently?
      • Investing for dividends or total return?
      • Warren Buffett: The Rest of the Story
      • Mid-Year 2017 Financial Update
    • ►June(5)
      • A 4th of July Book Recommendation
      • Does your financial advisor invest as they recommend?
      • We Bring Good Things to Life
      • The Benefits of Disciplined Rebalancing
      • Keeping my major commitment (business and personal)
    • ►May(4)
      • Oil, innovation and your financial future
      • Why You Should Have A Written Investment Plan
      • Being Adequately Prepared
      • A better way to invest in stocks
    • ►April(4)
      • Trump's Tax Plan: Our Initial Thoughts
      • 10 Things You Should Know
      • Benefits of Global Diversification
      • What are the right Investments?
    • ►March(5)
      • Investment Change for the Better
      • Why our philosophy makes sense
      • When Should Strategy Be Changed
      • The financial markets: where do they go from here?
      • Lessons from Buffett and Our Market Thoughts
    • ►February(4)
      • Green, Yellow or Red?
      • Investments Like No Other
      • Money, Family and Love
      • Standing the Test of Time
    • ►January(4)
      • Dow 20,000: The Implications
      • Asset Allocation under a Trump Administration
      • Actionable Information
      • My 2017 New Year's Resolution
  • ►2016 (51)
    • ►December(5)
      • Reflections on 2016 and the future
      • Brad's 2016 Book Recommendations
      • Fed Reserve: Why rates are increasing
      • Dow 40,000
      • Surprise or not a surprise?
    • ►November(4)
      • Giving Thanks
      • Does your financial advisor....
      • The Election Aftermath: The Financial Impact
      • The next stock market move
    • ►October(4)
      • Inspired, Positive and Helping
      • What the reports show
      • Beware of Fake IRS Tax Scams and Bill Notices
      • What can be learned from your financial records
    • ►September(5)
      • Just the facts - and they are good!
      • Why the Wells Fargo controversy is important to everyone
      • Better than
      • Change
      • Federal Reserve, Interest Rates, Stock Market and Odds
    • ►August(4)
      • 10 (or more) Things You Should Know
      • Discipline-The Financial Benefits
      • Five word financial advice
      • US stock market near record highs: what does this mean for you?
    • ►July(3)
      • How to consistently buy low and sell high
      • Passion
      • The Important Six Sentence Investment Message
    • ►June(6)
      • Emergency Planning
      • The Brexit Aftermath
      • What we think now....Investing, Brexit and the Federal Reserve Highway
      • How to give yourself the best chance
      • Ten financial tips for graduates (and everyone else!)
      • Jim Cramer had one good idea
    • ►May(4)
      • 12 Travel and Credit Card Tips for Greater Value and Enjoyment (Part 2)
      • The short run and the long run
      • 12 Travel and Credit Card Tips for Greater Value and Enjoyment (Part 1)
      • Politics and Investing: Our Thoughts
    • ►April(4)
      • The Benefits of this Anniversary to You
      • Are you patient enough to get the returns?
      • A different perspective on taxes
      • Are you staying at the Hotel Independent?
    • ►March(4)
      • Secrets to Success (and Failure)
      • Have You Noticed?
      • Purely Personal...In Memory of my father-in-law
      • Lessons from Warren Buffett which can help you
    • ►February(4)
      • Why you should not always believe conventional wisdom
      • Buckets, timeframe, conversations and confidence
      • Consider Refinancing Your Mortgage Now
      • Are the rough times behind us?
    • ►January(4)
      • How to save time due to credit card fraud
      • How to react to change
      • Do you have this?
      • Our perspective on 2016, week 1
  • ►2015 (46)
    • ►December(4)
      • Our most important advice
      • Year End Review Q and A (and much more)
      • How do you define financial success?
      • Interest rate liftoff and the impact on you
    • ►November(3)
      • Giving Thanks
      • Financial and Tax Figures for 2016
      • The October Surprise......and More
    • ►October(5)
      • An Extraordinary Guide
      • Financially "scary" things you should avoid
      • Having the Right Strategy
      • Investment Expenses Matter More Than You Think
      • What is normal?
    • ►September(4)
      • What is Your One Thing?
      • Reaction to the Federal Reserve's Inaction
      • How One Book Has Impacted So Many
      • Social Security Benefits, Medicare Premiums and Payroll Taxes: 2016 Projections
    • ►August(4)
      • Stock Market Thoughts
      • 8 Things That May Surprise You for 2015
      • Should You be Worried?
      • Are You Earning The Right Airline And Credit Card Rewards?
    • ►July(4)
      • Spending and Your Financial Security
      • The Positive News
      • 5 Password Security Tips
      • This is Big - and Full of Energy
    • ►June(3)
      • The Financial Implications of Greece
      • Having an Impact
      • News and the Markets
    • ►May(4)
      • Wonder-ful book and quotes
      • Interest Rates: Our View and What You Should Do Now
      • Practical Tips for Online Security
      • A Current Reminder For the Future
    • ►April(3)
      • Discipline is a Key to Successful Investing
      • Are you investing the right way?
      • How to Deal with Uncertainty
    • ►March(4)
      • The One-Page Financial Plan: book review of a book worth reading
      • US v International Stocks?
      • Dow 20,000 or a correction?
      • Buffett’s Important Words of Wisdom
    • ►February(4)
      • In Selecting a Financial Advisor, Do You Want What is Best or Just Suitable?
      • Why We Recommend a Globally Diversified Portfolio
      • What is Quality Financial Advice?
      • My New Favorite Quote
    • ►January(4)
      • Will we have time to recover?
      • Tax Update
      • Learning from 2014 for a Better Future
      • Financial Figures To Know in 2015
  • ►2014 (36)
    • ►December(4)
      • The Only Financial Resolution You Need to Make
      • 2014 Book Recommendations
      • How Unexpected Events Can Be Positive (Oil Part II)
      • What Plunging Oil Prices Mean
    • ►November(4)
      • Why We Should All Be Thankful ... and Have Won the Lottery
      • Social Security Basics: What you Should Know
      • Annual Reminder: How to Verify Your Credit Information
      • The Investment Evidence is Compelling
    • ►October(5)
      • How long will an average 65 year old American live?
      • Investment Outlook, October Part II
      • Why Tax Planning Should Be a Key Component of Investing
      • Our Investment Outlook
      • 10 Things We Are Not Sorry About
    • ►September(4)
      • Where are Interest Rates Headed?
      • The Most Important Thing
      • How Changing Your Focus Can Make You Happier
      • Keys to Success in Football and Investing
    • ►August(4)
      • Your Personal Goals Should Guide Your Investing
      • Learning From The Past Can Improve Your Financial Future
      • How To Improve Your Estate Plan
      • What Happens When Interest Rates Rise?
    • ►July(5)
      • Why We are Bullish and Selling
      • How Would Your Investment Advisor Respond to a Nobel Prize Winner?
      • Having Your Investment Cake and Eating It Too!
      • Which is better: Big or small?
      • How to have a long-term investment advantage
    • ►June(3)
      • Should You Prepay Your Mortgage? Different times mean new advice
      • How to Securely and Efficiently Manage Your Passwords
      • What should you do now, with the stock market near an all time high?
    • ►April(2)
      • Investing and weather: Dealing with volatility
      • Building Legacies
    • ►February(1)
      • Why do we use Dimensional Fund Advisors mutual funds?
    • ►January(4)
      • What you should do about the credit card security breaches
      • Why the Ford F-150 Innovations are Important to You
      • Investment Lessons and Thoughts of the past year
      • My Three Words 2014
  • ►2013 (22)
    • ►December(3)
      • How was your investment advice in 2013?
      • Target security breach: What you should know
      • Stock Market and Interest Rates: What We Think Now
    • ►November(2)
      • Why I Am Thankful
      • Welcome to our new website!
    • ►October(2)
      • What Would You Have Done?
      • Nobel Prize in Economics, Our Firm and You
    • ►September(1)
      • Federal Shutdown, Investing and Your Planning
    • ►August(4)
      • A Great Book and a Not So Good Op-Ed Piece
      • What if something happens to your Financial Advisor?
      • What are the key factors in selecting an investment advisor?
      • "August can be a very tricky month. Be Careful."
    • ►July(4)
      • Honesty
      • A Philosophy You Can Stick With
      • Learning, Connections and Dinner
      • Detroit Bankruptcy and Important Lessons
    • ►June(2)
      • Federal Reserve actions: A "Q & A" to explain recent events
      • The Value of an Expert, for Planting and Investing
    • ►May(1)
      • Great Relationships, Advice and Wine
    • ►April(1)
      • Wealth, Sports and One Shining Moment
    • ►January(2)
      • How Did You Handle Apple Stock? Our View.
      • Guidance on New 2013 Tax Law
  • ►2012 (12)
    • ►December(1)
      • Fiscal Cliff Negotiations: Our View Today
    • ►November(1)
      • Election and Investment Planning
    • ►August(1)
      • What is an investor to do?
    • ►June(3)
      • Why Perspective and Time Matters
      • A Valuable Conversation Worth Having
      • Graduation, my son and his impact
    • ►May(1)
      • Our View Today
    • ►April(1)
      • Remarkable Experience. Worthy of an Encore.
    • ►March(2)
      • The Value of a FInancial Advisor: Perspective
      • From Lottery Tickets to Real FInancial Planning
    • ►February(2)
      • A Tribute to Jeff Zaslow
      • What We Learned in January 2012
  • ►2011 (29)
    • ►December(2)
      • Book Review: The Behavior Gap
      • How a Financial Advisor Can Add Value
    • ►November(2)
      • Investing: Can an Advisor Add Value?
      • 11 Wealth Management Tips for 11/11/11
    • ►October(3)
      • Financial Markets Don't Come with Traffic Signals
      • Dieting, Exercise and Investing. What's the Lesson?
      • Financial Advisors Keep Learning
    • ►September(1)
      • How a Financial Advisor Adds Value
    • ►August(1)
      • The US Govt Debt Downgrade, Debt Ceiling and You
    • ►July(1)
      • Investing and the Debt Ceiling: Our Thoughts
    • ►June(12)
      • 10 Years from now Tweet
      • Overcoming Uncertainty (Part I)
      • Purely Personal: Very Happy after 1,921 Days
      • Stock Market Risks: Change Your Thinking
      • Five Years: Financial Thoughts
      • A Diamond Lost Hurts All of Us
      • Can You Predict the Future? Blogger Challenge #6
      • Financial Perspective Today: Blogger Challenge Day 5
      • Biggest Challenge: Day 4 of Blogger Challenge
      • One Strong Belief: Day 3 of Blogger Challenge
      • Financial Planning in One Sentence (Day 2)
      • Financial planning: 15 Minutes to Live (Day 1)
    • ►May(2)
      • Financial Blog Writing Challenge: The Beginning
      • What You Can Control
    • ►April(1)
      • Top Ten Financial Tips for Tax Day
    • ►March(2)
      • Would you have expected this?
      • Value of a Financial Advisor: Perspective
    • ►February(1)
      • A Tribute to a Colleague
    • ►January(1)
      • Our 2011 Investment Predictions
  • ►2010 (46)
    • ►December(4)
      • Is Wandering Good?
      • New Tax Law: What You Need to Know
      • When is 3 Really 1?
      • Purely Personal
    • ►November(1)
      • Long Term Care Insurance or A Thing of the Past?
    • ►October(2)
      • If the Pros Can't Win, How Will You?
      • Tax & Estate Planning Update
    • ►September(5)
      • Our Role as an Advisor: Getting Started
      • Many Quick Thoughts
      • How Bonds can be Painful
      • What I've Been Reading
      • Tale of Two Days. How Can it be so Different?
    • ►August(6)
      • One Small Act and A Great DVD (and more)
      • More Evidence of Why Diversification Matters
      • The Great American Bond Bubble
      • What do the Bank Overdraft Notices and Requests You are Receiving From Your Bank Really Mean
      • Why is a Diamond Getting Roughed Up?
      • Harvard's Hard Lesson
    • ►July(5)
      • McDonald's Great Deal: Good for You Also
      • The Big Short: What I Learned
      • New FDIC Rules and Planning Opportunities
      • Firm Updates
      • July 2010 Client Quarterly Letter
    • ►June(4)
      • Clarity
      • Did You Learn from the Past?
      • Wealthy Thoughts - 2
      • The Value of Real Research
    • ►May(3)
      • What we are getting asked about
      • What's Going On?
      • Client Letter: A Great Story
    • ►April(4)
      • Would you buy this fund?
      • Firm News: New Credentials
      • Goldman Sachs Lawsuit: Understanding and Implications
      • Putting Volatility into Perspective: It's better than you think
    • ►March(6)
      • Wealthy Thoughts - 1
      • Truly Free Credit Reports and Gift Card Law Change
      • Fiduciary Standard: Why this matters so much
      • Health Care Reform: The Tax Impacts
      • Fed Actions: What Does it all Mean?
      • What a Difference a Year Makes, or Does It?
    • ►February(4)
      • Review Your Property Tax Assessments...Now
      • Thoughts from a Quick Trip
      • The Next Big Mistake: Don’t reach for it!
      • Teaching and Learning
    • ►January(2)
      • 2009: Facts and Figures Perspective
      • Good Decision. Good News. Now What?
  • ►2009 (30)
    • ►October(1)
      • Interest Rates and the Fed
    • ►September(1)
      • Social Security: No 2010 Increase?
    • ►August(2)
      • Good Decision. Good News.
      • Here Comes the Judge...Against the Wrong Fund?
    • ►July(5)
      • Resources and Readings
      • We Are Pleased to Announce....
      • Gadgets and Things
      • Cash or Credit? You may be very surprised
      • Thoughts About Oil
    • ►June(7)
      • College Financial Aid Form Simplication Coming
      • Go Figure
      • Social Security Projections
      • The Trend Against Active Management
      • A Perspective from the Other Side
      • Did you know that .....?
      • Tax Efficient Funds a Thing of the Past? Not for us.
    • ►May(2)
      • Diversification is Still Working!
      • FDIC Extension and Impact for You
    • ►February(7)
      • New Tax Changes: Business
      • New Tax Changes: Personal
      • Required Minimum Distributions: More Guidance
      • The Case for our Investment Philosophy
      • Snowball....Well Worth the Time
      • Tax Updates to come...but not yet
      • Have a Kindle Day!
    • ►January(5)
      • Tax Updates
      • Recommended Reading
      • If the Best Can't Pick 'Em, How Can You?
      • Can You Judge a Book By It's Cover?
      • Welcome

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31700 Middlebelt Road, Suite 130
Farmington Hills, MI 48334

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