How we invest our own money

How we invest our own money

When searching for a financial or investment advisor, it’s important to ask the right questions and to listen for the right answers.  Beyond some of the obvious questions (How are you compensated? What services do you provide? Do you work with people like me?),...
Why investment fees matter

Why investment fees matter

Do you know the amount of your monthly cable bill?  How about the price of your cell phone plan?  Now, the million-dollar question: how much are your investments costing you?  Chances are, you can ballpark the first two, but the third is a mystery.  There’s a reason...
Cash is King?

Cash is King?

Since June 2011, when I started working at P&A, U.S. stocks have powered an average annual return of 14.5%.  In dollar terms, that would’ve turned $100 into $267, or more than 2.5x your original investment!  This is the point where I’m obligated to tell you past...
On bears and corrections

On bears and corrections

Many investors live in fear of corrections and bear markets, even though they happen fairly regularly.  This article is not a bear market call—we still like stocks–but if you’re interested in our proactive approach to helping you through the next one, keep...
What you need to know about annuities

What you need to know about annuities

Going back to last summer, we’ve had a noticeable uptick in questions about annuities.  Most are coming from prospective or new clients who were sold an annuity by their current or previous advisor.  They want to know if they should keep it or get out.  If you find...
Catching words of wisdom

Catching words of wisdom

Even though I’ve seen the movie “A River Runs Through It” a handful of times, I’d never read the book.  Then Stephen King recommended it to me.*  I figured Stephen King would know good writing, so I checked out the Kindle version from the library. The nice thing about...

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.