by wpdev | Dec 6, 2025 | Mindset / Behavior
I have had clients with PhDs who panic-sold at the bottom of a market crash. I have had clients who never finished college retire as multi-millionaires. Financial success is about 20% math and 80% behavior. The biggest enemy of your wealth is not inflation, taxes, or...
by wpdev | Dec 4, 2025 | Debt Management
“All debt is evil.” You hear this a lot from financial gurus. “Debt is how you get rich.” You hear this from real estate influencers. Who is right? Neither. And both. In my 33 years, I’ve learned that debt is like a chainsaw. In the hands...
by wpdev | Dec 2, 2025 | Cash Flow & Lifestyle
I see this scenario constantly. A couple comes into my office. They are doctors, lawyers, or small business owners. On paper, they make a fantastic income. But they are stressed, they fight about money, and they have surprisingly little saved. They are victims of...
by wpdev | Nov 29, 2025 | Investing
I get asked all the time: “Tom, what’s the next Amazon? What do you think about crypto coins?” My answer is always the same: I don’t know, and I don’t care. Here is the truth that Wall Street marketing departments don’t want you to know:...
by wpdev | Nov 27, 2025 | Retirement Planning
If you are a football fan, you know the “Red Zone” is the last 20 yards before the end zone. It’s where the field gets tight, the defense gets aggressive, and mistakes become expensive. In my 33 years as an advisor, I’ve seen too many people fumble on the...
