Behavioral finance has taught me something fascinating: even the smartest people fall prey to psychological traps when investing. I’ve watched brilliant minds make disastrous financial decisions, particularly when FOMO (Fear of Missing Out) takes hold in crypto markets. In fact, research…
Got a small business in 2025? Your staff needs to access work computers remotely, but you can’t afford to buy hardware for all of them. Cloud PC services enable you to lease virtual computers over the internet, so staff can…
Small business owner in 2025? You’re balancing budgets, remote staff, and never-ending to-do lists—while staying one step ahead of larger competitors. According to a recent Microsoft report and AWS WorkSpaces overview, businesses are increasingly turning to cloud desktops for secure…
We’re constantly told that low-cost index funds and ETFs are the best way to invest. It’s the simplest, cheapest, most effective path to wealth. And on paper? That’s absolutely true. But there’s a massive, unadvertised fee: the cost of your…
Start by addressing the common—and often correct—advice that Whole Life (WL) is a terrible investment for most people. Then, pivot. Introduce the “conundrum”: for a high-net-worth individual who has already maxed out retirement accounts ($401k, IRA, HSA), It’s a mindset…
Tax-Loss Harvesting (TLH) is a popular, sophisticated strategy that turns market drops into a positive tax event. By selling a losing investment, realizing the capital loss, and immediately buying a similar, non-identical asset, you lower your current tax bill without…