Retirees hate to spend money in retirement.  It’s not a big revelation as we are told for two decades during our childhoods and then are taught for decades working to only spend what you make and save the rest.   

Dipping into savings is inculcated into us, almost from birth, as a bad thing.  This ...

Real risk is simple—not enough cash when money is really needed—like running out of gas in the desert.  

- Charles Ellis  

We face countless risks in our everyday lives that we’ve learned, from a very young age, to manage.  Managing those day-to-day risks may seem like second nature to most by ...

Financial advising is in need of a good shift in thinking. Most advisors still operate like it’s the late 20^th century, baby sitting assets, and for retirement income, selling some of those assets each month to cover the clients’ monthly expenses.

One of the things we need to help our clients get b...