By Brice Carter, CFP®, CIMA®, ChFC®   Last week, I noticed a neighbor’s house was up for sale. Out of curiosity, I looked at the listing. I was shocked! I moved into my house in 2018, and I cannot believe the price appreciation that has happened since then. I spend my days looking at numbers,

By Brice Carter, CFP®, CIMA®, ChFC® Before I became a Chief Investment Officer and financial advisor, I spent a good chunk of my life competing in various sports. As a competitor, you don’t stop competing. You’re always looking for the optimal strategy, the best outcome, and the smartest way to protect your family’s future. As

Graduation season produces a lot of forgettable advice. Fareed Zakaria’s address at Bard College this year was not that. The TV host and journalist walked onto that stage and did something rare: he made the case for being human at exactly the moment everyone is debating whether machines might do it better. His challenge to

If you are waiting for a perfectly calm news cycle to put your money to work, you will be waiting forever. There is always a looming crisis ready to rattle our confidence. Whether it is the wars in Ukraine and Iran, the lingering economic sting of COVID, stubborn inflation, or dizzying market volatility, the world

There’s an old line from one of our favorite bands: “Time is on our side.” It sounds nice, but it’s not true. Time isn’t on our side; it just keeps moving. For most of us running businesses, raising families, and trying to stay upright, it moves fast. The question isn’t whether we have enough of

I’ll admit I’m biased. As a financial advisor I feel that a qualified person in my position adds tremendous value for our clients. Now let me try and convince you why a financial advisor can be so helpful in developing your financial future. For decades, the path to retirement seemed straightforward: save diligently, invest wisely,

Saying “I do” is more than a romantic promise; it is the creation of a new legal, emotional, and financial partnership. While the trend of “yours, mine, and ours” accounts has gained popularity, there is a profound psychological and practical advantage to fully combining finances. I’ve worked with more than a hundred couples on their

Managing portfolios and building financial plans has been my focus for nearly 15 years. A recurring concern I hear from clients is the perceived “risk” of the stock market—often amplified by dramatic headlines and personal experience during downturns. Traditional finance defines risk through volatility, typically measured by standard deviation. Stocks might average an 8% return,

On October 29, the Federal Reserve (Fed) cut interest rates for the second time in 2025, following several cuts in 2024. So how do these lower interest rates impact consumers? First, a quick summary of what the Fed has done and how that affects interest rates. The Federal Reserve controls the federal funds rate, which

Managing portfolios and building financial plans has been my focus for nearly 15 years. A recurring concern I hear from clients is the perceived “risk” of the stock market—often amplified by dramatic headlines and personal experience during downturns. Traditional finance defines risk through volatility, typically measured by standard deviation. Stocks might average an 8% return,

Have you ever typed a deeply personal question into Google? Questions like: • When can I retire? • Do I have enough saved? • How much will I pay for healthcare? • When should I start taking Social Security? If so, you’re not alone. Baby Boomers (born 1946–1964, now ages 61 to 79) and Generation