Last week my mother-in-law, Carol Horning, passed after a several month struggle with cancer. As I have spent time reflecting on her life, I’m struck by how well she achieved balance in her life. Her family, friends and clients were extremely important to her, but she also prioritized golf, tennis, shopping, and the things she wanted to do. She seemed to have a great balance between work and play, giving… Read More

As a child, I was always highly active. I liked playing whatever sport was in season at the time, either by myself or with others. I recall many times getting injured during my activities; crashing my bike into the mailbox, being hit in the face with a baseball, getting brush burn from falling on macadam playing football, and many others! Each time an injury would occur, I remember vowing in… Read More

When it comes to picking investments to comprise a portfolio, what method makes the most sense? For some people, it is as simple as locating the investment products that have performed the best over the last few years and, if the fees are reasonable, simply selecting those products. All that person is doing is making their decisions by looking at what worked in the past. Taking this approach is often… Read More

We recently received our first snow of the season. I am not one to count down to the first snow of the year. For me, it primarily serves as a reminder that it will be quite some time until golf season starts again! Our 3-year-old son, however, was much more excited about the snow. He stared out the window, fascinated by the weather, thinking it was Christmas again already. Later… Read More

From time to time, I take a class at the gym called Grit. It’s a half hour of high-intensity interval training (HIIT). It’s called Grit for a reason. Usually after about 10 minutes of the class, my brain is telling me that I really don’t need to be working this hard and it would be fine to stop. Most of the things that have value in our lives are only… Read More

We hope you had a wonderful time celebrating Christmas with family and friends! You are probably reading this blog post during the week between Christmas and New Year’s Day. Have you started to formulate your annual New Year’s resolutions? More importantly, will your recent celebration of Christmas help to shape your goals and resolutions for 2022? Allow me to elaborate on that last question. In our fast-paced culture, we plan,… Read More

If you have been shopping lately or following the financial headlines, the story of the day continues to be the inflationary pressures on the U.S. economy. November’s inflation increase, known as “Headline CPI” came in at 6.9% year-over-year, which is the highest reading since 1982. Supply and demand pressures, consumer spending, and a job environment where there are more jobs available than workers to fill them are all factors contributing… Read More

It is hard to believe that it is the middle of December already. Pretty soon, we will turn the page on 2021. Think back to the beginning of this year with me: did you have anything you wanted to accomplish in 2021? If you answered in the affirmative, were you successful in achieving your goal? As we prepare to enter 2022, here is some advice related to setting goals: Be… Read More

Here we are in the final month of the year! This is typically a busy time of year for most all of us. We certainly hope you are taking the time to enjoy meaningful Christmas gatherings and year-end celebrations with friends and family. As we approach year-end, it is an opportune time to evaluate three key financial categories: Savings – Make sure you are maximizing all the savings vehicles available… Read More