Resource Articles

The passive investor is someone who values simplicity, stability, and long-term clarity, but also recognizes that investing, while important, is not where they want to spend their time. They know they need to invest and genuinely value its role in their future, yet their primary focus is on other things: their career, family, passions, or personal projects. They prefer a clear, reliable plan that works quietly in the background, allowing compounding to do the heavy lifting. For them, passive investing is the perfect blend: essential for their goals but not a daily task competing for their attention. They want to make a simple decision, essentially set it and forget it, and let their money grow while they focus on everything else. The passive investor embraces a straightforward buy-and-hold investment strategy.  There are simple ways to participate in the market that don’t require day-to-day trading or deep research into individual companies. In fact, very few people can beat the market. A person must be really active in researching companies and truly understanding what they are viewing, in order to have better returns than the S&P 500 historically. Below are “recipes” for the passive investor to get started.

Welcome to Part 4 of our Leaking Money series: The Balance of Opposites. Here we dive into the everyday spending decisions that can quietly chip away at financial wellness—often without a person realizing it. Trendy vs. timeless. Cheap vs. quality. Fix vs. replace. New vs. used. Keep vs. upgrade. Most people do one or the other all the time. Always buying new, for example, when used or repaired would work just as well.  Most people go about life with whatever the status quo has always been, rather than actively considering other options. It is less about choosing the “cheaper” version of the opposites and more about recognizing when each option will serve best. Rather than money leaking, an active choice is made. Soon, a variety of options are considered and spending becomes intentional vs habitual. And… ideally investing that difference in the future, whether that is debt reduction or retirement. The goal: plug the holes silently leaking money and invest the saved money elsewhere.

Even if the budget is dialed in, retirement saving is being invested, and the big items are being reviewed… those items out of sight and out of mind items may be leaking hard earned money. If left unchecked, it can have long-term consequences, especially for retirement savings. Unlike major financial mistakes, money leaks are typically small, recurring costs that add up significantly over time. Because they’re spread out and relatively minor individually, they rarely trigger alarm bells. A few minutes of awareness and action can save hundreds (or more) over the course of a year! In this four-part series, we explore hidden ways people leak money and cover specific steps to “plug” the holes. This article covers those “out of sight, out of mind” leaks that most people don’t even think about.

In this four-part series, we explore hidden ways people leak money and cover specific steps to “plug” the holes. It's easy to lose track of spending when small habits add up. These seven shopping behaviors might seem harmless, but they're quietly draining your money—and could be holding you back from a stronger retirement: Online Social Boredom Retail Therapy Occasion Impulse Envy Status Money has a funny way of disappearing. You work hard for it, save diligently, and plan for the future—but somehow, there never seems to be enough left at the end of the month. This phenomenon is known as "leaking money," the gradual and often unnoticed loss of funds through unnecessary expenses, inefficient financial habits, and lack of awareness. If left unchecked, it can have long-term consequences, especially for retirement savings. Unlike major financial mistakes, money leaks are typically small, recurring costs that add up significantly over time. Because they’re spread out and relatively minor individually, they rarely trigger alarm bells. However, their cumulative effect can be devastating to your overall financial health. Hidden Ways Money Leaks while shopping (and actions to take) There are many reasons we shop: needs, as an event, socializing, boredom, therapy, impulsive, envy, status. And many of these cause money leak. Not the kind you plan for, like groceries or back-to-school supplies—but the kinds that sneak up and chips away at goals. Here are some common shopping habits that might be costing you more than you think:

What if by making some simple food changes, you could have $62,053 more in your retirement kitty in just ten years? By making simple changes in these five categories, you can make a significant difference. Food Waste Outside the Home Online meal delivery Shopping Composition Shopping Locations Money has a funny way of disappearing. You work hard for it, save diligently, and plan for the future—but somehow, there never seems to be enough left at the end of the month. This phenomenon is known as "leaking money," the gradual and often unnoticed loss of funds through unnecessary expenses, inefficient financial habits, and lack of awareness. If left unchecked, it can have long-term consequences, especially for retirement savings. Unlike major financial mistakes, money leaks are typically small, recurring costs that add up significantly over time. Because they’re spread out and relatively minor individually, they rarely trigger alarm bells. However, their cumulative effect can be devastating to your overall financial health. In this four-part series, we explore hidden ways people leak money and cover specific steps to “plug” the holes. As a bonus, the example savings will be added up for a total amount that could be invested.

Retirement planning is a lifelong journey that evolves as career, goals, and life circumstances change. Whether just starting a career, in peak earning years, or approaching retirement, taking an organized and strategic approach to managing investments is crucial. This article lays out a roadmap by decade for your retirement journey.

We all procrastinate in some areas of life—putting off that dentist appointment, delaying the gym membership, or avoiding that home repair project. But when it comes to financial planning, procrastination can have serious long-term consequences. The cost of waiting can translate into lost opportunities, higher expenses, and increased stress. So why do people put off financial planning, and what does it really cost? More importantly, how can you take simple steps today to set yourself up for a more secure future? Let’s break it down.

When you think about advice from a financial advisor, you probably expect tips on budgeting, retirement planning, or investment strategies. But in today’s digital age, financial security goes beyond managing your money—it also means safeguarding your personal data from hackers and fraudsters.  Cybersecurity may not be the first thing that comes to mind when you think of financial health, but the two are closely linked. A data breach can lead to identity theft, drained accounts, and long-term financial damage. That’s why this article isn’t just about building wealth—it’s about protecting it. Let’s explore how you can defend your finances from hackers, RFID theft, and data leaks, and take steps to ensure your hard-earned money stays safe.

When you’re in your 20s or 30s, retirement might seem like a distant future, something to worry about later. But the truth is, the decisions you make now can have a massive impact on your financial well-being in the years to come. The key to building a secure financial future lies in understanding one of the most powerful concepts in investing: compounding. In this article, we’ll break down how compounding works, why it’s so crucial to start saving early, and provide examples that illustrate its transformative power. What is Financial Compounding?  Compounding is the process where your investment earns returns not just on the original amount you invested (the principal), but also on the returns that investment has already generated. It’s often referred to as “interest on interest,” and it’s what can turn a small initial investment into a substantial sum over time.