You just came into money

Two siblings just inherited $100 million. Real money. They reached out to a recruiter, and he asked me to talk to them before taking them on as a client. The siblings wanted to build a family office to invest in … continue reading →

What matters in personal finance

When people hear what I do, they often ask about crypto, which stocks to buy, or where the S&P 500 is headed. I don’t know (and beware those who say they do). Almost no one asks about paperwork, how much … continue reading →

How much risk to take

How much of your portfolio should be in risky assets? It’s probably the most important investment decision you can make. Yet it’s one of the hardest questions to answer well. My dad told his advisor he “absolutely” didn’t want to … continue reading →

What you keep after taxes

An investment made you a cool million. You felt like a genius. Then the tax bill arrived. Most people know what their portfolio returned last year. Few measure what they kept after taxes. How much are we talking about? A … continue reading →

How I think about insurance

Nobody goes bankrupt replacing a cracked phone screen (even if you’re clumsy and do it once or twice a year). Dying at the wrong time, a career-ending injury, a $5,000,000 lawsuit—those are the things that break you. Yet most people … continue reading →

Control what you can

The extraction isn’t dramatic. A percent here, another one there. Three or four percent a year is more common than people think. Each one is small enough that most people never notice. Over decades, it’s millions of dollars. The things … continue reading →


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