Learn how to make your money work for you, instead of the other way around.

Wealth Accumulation

The analogy I often use when discussing wealth accumulation is rolling a snowball. A snowball starts with a single flake and takes a while to grow. However, as the snowball grows in size, with a larger surface area, that larger surface area attracts more snow, faster.   Such is the case with accumulating wealth. While …

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CD Laddering

During the course of previous discussions, we have identified three general stages in an individual’s investment lifecycle: building a fiscal foundation (conducted during your 20s and 30s), accumulating wealth (occurring between the early 40s and mid-50s), and pre-retirement, the five-year period prior to your desired retirement age. During the pre-retirement stage, debt is eliminated and a plan – considering the …

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