The P&A Blog

What will happen next?

What will happen next?

After watching the market sell off 6%+ the last three days, there’s a good chance you’ve been expecting a note or call from us telling you where we stand, whether or not we think it’s time to sell, or what’s going on with your money.  If you made it past the first...

Don’t break the chain

Don’t break the chain

Happy New Year!  Perhaps you’re reading this while running on a treadmill or eating a kale and broccoli salad.  January is a time of possibilities, of new beginnings, and of course, resolutions.  The two most common are to work out more and to eat better (both are on...

The power of old news

The power of old news

The October 29, 1997, issue of Fortune magazine sits on my home office bookshelf.  It has survived eight moves.  The cover of the magazine reads "Wall Street's Wild Decade," a title that seems to apply every decade.  As I began leafing through the pages, I marveled at...

I can’t wait to go on a diet! (Said no one, ever)

I can’t wait to go on a diet! (Said no one, ever)

The calendar is about to turn, which means a correlated spike in New Year’s resolutions and trips to the gym (for a month). Many people resolve to go on a "diet," and there are hundreds of fad diets to choose from. If you're like me, you have tried many of these, all...

Bitcoin FOMO

Bitcoin FOMO

From tulips to tech stocks and real estate, investors and speculators have seen their share of bubbles throughout history.  So when an “investment” doubles in a month, and goes from $1,000 to $16,000 in less than 12 months, bubble talk is inevitable.  But is Bitcoin...

Pat yourself on the back for being opportunistic

When an obstacle mindset is greater than an opportunistic mindset, you get decision paralysis. Pat yourself on the back as today is a good day in the market and you have been opportunistic Click here to read our most current quarterly letter or any of our past...

5 ways we helped clients in the last month

5 ways we helped clients in the last month

Beyond the desire of our clients to have their investments professionally managed, people come to us because they’re facing an inflection point: the death of a loved one, a divorce, a job loss or change, an inheritance, retirement, etc.  These situations inevitably...

Good things come to those who don’t wait

Good things come to those who don’t wait

Long before actor Matt LeBlanc played Joey on Friends and even before he appeared as Kelly’s boyfriend on Married...With Children, he was pitching Heinz ketchup.  In the mid-to-late 1980s, Heinz produced a series of ads and commercials persuading consumers that “the...

Plan sponsors: Too much choice isn’t good

Plan sponsors: Too much choice isn’t good

When we bought our first house we quickly got tired of the yellow paint on the walls.  My wife and I wanted more of a tan color, so we headed to the local hardware store.  When we arrived at their paint section we were confronted with macaroon, granola, oat, eggnog,...

Using your RMD for charitable giving

Using your RMD for charitable giving

Nearly two years ago, Congress did something they generally don’t...they made a decision that actually benefits savers!  Did you know that if you’re over the age of 70.5 and are the owner of a traditional IRA you can use your required minimum distribution (RMD) to...

Cybersecurity: What you should know

Cybersecurity: What you should know

Just a few years ago, nearly 18 million people experienced having their identity stolen.  Today, it represents the fastest growing crime in America with someone’s identity stolen every three seconds.  No one thinks it will happen to them, until it does.  In an effort...

Defying Gravity

Defying Gravity

If you haven’t heard it in the news by now, I’d be willing to bet the thought has crossed your mind… How can stocks keep going up from here? Even though it’s a cardinal sin for someone in my shoes, I’ve had it, and it’s a fair question.  Stocks have been trading...

Money Can Buy Happiness, Part II

Money Can Buy Happiness, Part II

I’m currently reading a book called Resisting Happiness, which is about the many ways we prevent ourselves from reaching our full potential, mainly due to what the author terms “resistance” (procrastination, inertia, self-doubt, etc.).  Apparently, this book has...

What is a financial plan, really?

What is a financial plan, really?

Financial planning is a broad concept that encompasses a lot of moving parts.  We see great value for our clients in having a financial plan, and updating it periodically.  We’ll look at the benefits to you of having P&A do a financial plan for you, as well as some of...

Schwab Mobile Deposit

Schwab Mobile Deposit

Ever wonder, “how can I get this check into my brokerage account as soon as possible?” Charles Schwab has an answer - it’s called Schwab Mobile Deposit. No more driving, mailing, or wondering if the check has arrived yet!  If you use mobile banking with your current...

Why people hire us

Why people hire us

Widespread reluctance to technology adoption has all but disappeared and we humans are witnessing in real-time the evolution of the digital age.  Some of the catchy buzzwords you can see scrolling across the tube include artificial intelligence, virtual reality,...

Confessions of an Investment Advisor

Confessions of an Investment Advisor

I have a confession to make.  A couple months ago, I did something I’m not very proud of.  In a moment of (youthful?) indiscretion I told some clients they should keep a high fee annuity they were sold by a previous “adviser.”  You have no idea how much it pained me...

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Since 1995, we have existed for one purpose...to help our clients live the life they’ve always imagined. We are a fee-only registered investment advisor (RIA) and a full-time fiduciary, meaning we fight for your best interests day in and day out. Our approach results in shared success.

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