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Category Archives: Goals-Based Planning


20 Things The Rich Do Every Day

 I have often spoke with clients about living their life in a proactive way rather than reactive. It turns out that wealthy people tend to create positive, pro-active habits that lead to their success. I do believe your character is a function of your habits


Create Your Own Private Retirement Pension

I imagine that most people reading this will end up never spending the principal of their retirement nest egg for fear of running out of money.  At some age, well into those retirement years, you will realize you are too darn old (you have everything

soni and brad

Our Story

My wife Soni and I celebrated 20 years of marriage recently and I thought I would share what some of the key financial decisions we made along the way and the impact they had on our family. The themes are consistent: Figure out what is

relaxed woman

Checklist for Top 1%ers

It’s in my nature to be a guy that makes lists to help stay organized and get things done.  We are finally getting sunshine in Chicagoland and have had temperatures above seventy degrees for two consecutive days.  While that is long overdue, it’s time for

It’s Never Too Early

The Time Value of Money is the oldest, wisest concept ever created for investors. Wait until you see what you could create by saving less than $7 a day toward college for an unborn baby! The real power of this concept comes from rate of


Money and Marriage

“Marry a woman more frugal then you,” is great advice from one of my favorite books, The Millionaire Next Door. As some guys will tell you, it’s a lot easier said then done.  For those guys that have married a frugal woman, money is usually


All You Have To Do Is Ask

There are many reasons people choose not to ask for help, whether it be pride, stubbornness, procrastination, not knowing who to ask, etc. Recently, an acquaintance of our family stopped by my office unannounced. He was visibly shaken. He shared his most personal financial issues


Winning in 2015

I thought you may be interested to know how a 25-year financial planning expert goes about planning for financial success in the New Year. I’d like to think I live a balanced lifestyle, enjoying life today while saving for an uncertain tomorrow. My peace of