Randy’s blog

It’s not what you make that matters; it's what you keep

The highest return isn’t always the one that puts the most in your pocket. Why? Because it’s not what you make that’s important, but what

Americans Are Better Off Now Than Ever Before

Bad news sells. Humans are hard-wired to focus more on negativity and bad news than on positivity and good news. Psychologists call this phenomenon “negativity

Not an Investment Brokerage – Something Different

Bill Graham, the legendary concert promoter, wrote about the Grateful Dead, “They are not the best at what they do; they are the only ones

Capitalism Isn't Fair - That's Why it Works

As we head into the 2020 election season, we are once again hearing the cry to move away from capitalism to socialism in the United

Ready, Aim, FIRE! How Early Can You Retire?

Many people think about retiring early and just enjoying themselves. This is the 100-mile view of the FIRE (Financial Independence, Retire Early) movement, which focuses

Market Volatility and Algorithm Trading

Artificial intelligence is no longer a futuristic concept that we see unfolding only in movies. It’s real, and it’s affecting our everyday lives today —

Estate Planning Enters the Digital Age

Typically, when a new trend becomes mainstream, the U.S. government steps in and regulates the activity. Surprisingly, even though most Americans have a substantial amount

It’s Not as Bad as We Are Told

The news is full of gloom and doom. Some people have vowed not to read or watch news reports because it’s too overwhelmingly depressing. Every

It’s Not What You Make but What You Keep

When looking at how your investments are doing, we believe one of the most important factors to look at is not how much you make

Real Risks: Hurting Those We Are Trying to Help

We’ve all heard that when something sounds too good to be true, it usually is. Yet the promise of getting something for nothing can be

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