When to Hire a Financial Advisor (A Guide for DIY Investors)
You don’t need an advisor to beat the market. You might need one to optimize your taxes, behavior, and withdrawals. We break down the research from Vanguard and Morningstar on where advice actually adds value (and where it doesn’t) for the sophisticated DIY investor.
Active vs. Passive Investing: How Hard Is It Really to Beat the Market?
Beating the market sounds simple, but the evidence says otherwise. This article breaks down why most professional active managers fail to outperform over time (SPIVA), why long-term market returns are driven by a small group of “superstar” stocks, and how behavioral traps and the “behavior gap” can quietly sabotage results. You’ll also learn the basics of how stocks are valued and why broad diversification is often the most reliable path for long-term investors.
U.S. Stocks vs International: Why Global Diversification Matters
Owning only U.S. stocks can quietly add single-country risk. A globally diversified portfolio spreads exposure across economies, currencies, and market regimes—without needing to predict who wins next.
Maximizing Returns Doesn’t Always Mean Better Outcomes
Higher expected returns don’t guarantee better real-life results. Here’s what happened to two retirees who started in 2000 vs 2003—and what it means for your allocation.
Your Employer Stock Is Down—Now What? (An EMN/Eastman Example)
Employer stock is down? This post shares a rules-based framework to measure concentration risk, set a target, and de-risk tax-aware—using EMN/Eastman as an example.