Client Spotlight: Barbi’s Cowgirl Escapade & Living the Colorado Dream
We’ve all got that dream that’s been creepin’ and crawlin’ around in the back of our minds for years. Perhaps it’s something we’ve always wanted to do but never got the chance or had the nerve.
Filing Early for Social Security Benefits: Avoid This Misstep in Your Retirement Planning
Saving Grace, The Early Filing Bear Trap As Capital Investment Advisor’s resident Social Security specialist, I spend a fair amount of time helping people with their benefits filing strategy. Many times, in that process, I discover that would-be retirees are not aware of how filing early could have a negative impact on their monthly Social […]
Three Things You Might Not Know About Markets . . . That I Think You Should
Investing is an endeavor of patience and perspective, two virtues not shared by the hurried world. The twenty-four-hour news cycle, social media, and smartphones ensure a steady bombardment of headlines constantly screaming for our attention. That’s why it can be a valuable exercise to take a deep breath, zoom out, and visualize the big picture. […]
The Happiest Retirees Podcast: Ready for Launch
Ten years ago, I found myself sitting in my car talking to a financial advisor. I wasn’t trying to move any money to a Roth IRA, although that would’ve been a productive conversation. No, I was listening as he explained in detail how he believed people could retire sooner and happier than they ever thought […]
What the Heck is a Core Pursuit?
I spend a lot of time thinking about retirement. Not so much mine, although I should. No, my focus is typically on the retirement of the families we serve, radio and podcast listeners, and people who read my books. My mind is constantly attempting to solve for “x” in the many unique retirement equations that […]
Why We Believe The 4 Percent Rule Is Here To Stay
Suze Orman is at it again! In a 2023 interview for Moneywise, she took aim at the 4 Percent Rule. “I think it doesn’t work anymore,” she said. “I think it’s very dangerous.” To say I take umbrage with her outlook is an understatement. Claiming that a time-tested retirement plan is irresponsible doesn’t sit well […]
Participation vs. Perfection: A Study on Investment Success
Days of Thunder: Driving Through the Scary Headlines There have been far too many scary headlines lately. The most alarming of these came in early August when Fitch downgraded the United States’ long-term credit rating to AA+ from AAA, marking only the second time in the nation’s history that its credit rating has been cut […]
Why Modern Portfolio Theory is More Viable Than Ever
The late, great Donna Summer famously sang, “She works hard for the money, so you better treat her right.” While the Queen of Disco was referring to a helpful bathroom attendant, the lyrics can also be applied to retirement planning. Earning money is hard! Once you’ve built up some savings, you want to treat it […]
The Financial Benefits of Marriage
Interest rate increases and inflation have dominated the news in recent memory. From mortgage rates to the price of tacos, almost everything has seemingly gone in one direction: up. However, when it comes to marriage the opposite appears to be true. According to a Pew Research Study, the U.S. has seen a significant decline in […]
5 Money Secrets of the Happiest Retirees
I spend so much time studying financial minutiae that when I have a free moment, I typically try to focus on the other aspects of retirement. Namely, how to help families find happiness in retirement. Ironically, bending over backward to “think different” can sometimes mean I neglect to write about the nuts and bolts of […]
