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Sinking Our Way to Happiness

As is common around this time of year, many people are making resolutions to better themselves in some form or fashion including money related goals. Over the years we’ve written a number of posts about personal finance including several on the importance of building financial freedom through budgeting. In today’s post, we’ll take a new look at this important and timely topic. http://www.seasoninvestments.com/insights/sinking-our-way-to-happiness/

Profits Through Empowerment

About 15 years ago, savvy institutional investors created a new market when they started buying permanent life insurance policies from individuals who were looking to sell their policies. On the surface, the idea of investing in someone else’s life insurance contract seems morbid, but in actuality it is empowering individuals with a better financial option. http://www.seasoninvestments.com/insights/profits-through-empowerment/

Monkey See, Monkey…

The age of the internet has ushered in numerous modern conveniences that many would have thought impossible just a few decades ago. But along with all the benefits technology has brought into our lives, it has also ushered in some drawbacks including what we now call FOMO or what has always been known as just plain old jealousy. http://www.seasoninvestments.com/insights/monkey-see-monkey/

Wishful Thinking

Baby Boomers are the first generation to be entering retirement in worse financial shape than the previous generation since Harry Truman was president. As Shakespeare once opined, “Expectation is the root of all heartache.” It appears to us that there is a large amount of retirement heartache on the horizon for many Americans. http://www.seasoninvestments.com/insights/wishful-thinking/

Retirement Heartache

It’s National Retirement Week in America, and I think the planning and execution of individual retirements is an area where setting appropriate expectations is incredibly important - not only for emotional reasons but also because math doesn’t tend to care about our feelings. Unfortunately, the retirement outlook in our country is not looking great. http://www.seasoninvestments.com/insights/retirement-heartache/

Why Save When You Can Live Now?

Following the financial crisis Americans entered “retrenchment” mode and spent nearly ten years focused on shoring up their lifestyle, reduced debt loads and saving money for longer-term purposes. It appears this mindset is finally melting away. http://www.seasoninvestments.com/insights/why-save-when-you-can-live-now/

Is Good Advice Good Enough?

Giving someone “good advice” is rarely enough. Most of us already know what we should do, or what the right answer is…yet often times we still do the opposite. Advice moves from being “good” to being “effective” when it is tailored and delivered in such a way that actually spurs the behavioral change needed to attain the desired outcomes. http://www.seasoninvestments.com/insights/is-good-advice-good-enough/

Shredding $48K

Running a $48,300 check through the shredder was a potent reminder of why it’s so important to pursue client relationships in which long-term financial interests are aligned between client and advisor, something that has been a priority for us since day one. http://www.seasoninvestments.com/insights/shredding-48k/

Battle of the Brain

I’m sure everyone as experienced the internal struggle between short-term pleasures and long-term benefits, which is why it is so difficult to save for retirement. Even though our long-term, logical brain understands the merits and importance of saving for retirement, it must constantly do battle with our short-term emotional brain which is hell bent on immediate gratification. http://www.seasoninvestments.com/insights/battle-of-the-brain/

Volatility’s Impact

A few weeks ago we wrote a post entitled The Economics of Loss discussing the importance of reducing volatility and managing exposure to large draw downs in your portfolio.. Not only are large swings in investment value hard to deal with emotionally, but they can be detrimental to the mathematical sustainability of a long-term retirement plan. http://www.seasoninvestments.com/insights/volatilitys-impact/

Burning A Hole In Our Pockets

Why do we all have such an innate desire to spend money? For many of us, it is as if money literally burns a hole in their pocket as it is spent faster than it can be accumulated. The desire to spend money and acquire things comes from an innate desire to boost our self-esteem. http://www.seasoninvestments.com/insights/burning-a-hole-in-our-pockets1/

You Might Be A Salesman If...

When people ask me what I do sometimes I struggle with what terminology to use. Not because I don’t know what I do, but because all of the most accurate descriptors have been co-opted by an industry that I honestly don’t want to be associated with. As a result the term financial adviser has lost all significance in my opinion. http://www.seasoninvestments.com/insights/you-might-be-a-salesman-if.../

The Most Valuable Thing Money Can Buy

The number one reason people become a slave to their jobs/career is because they lack the discipline to save money. This week's post is about a young women who bucked the trend and retired at the age of 33 to pursue her dreams of traveling the world. http://www.seasoninvestments.com/insights/the-most-valuable-thing-money-can-buy/

Have a Coke and a Smile

Jared Dillian, a recovering Wall Street trader, is near the top of our list of financial writers. His newsletters are both entertaining and dripping with insights that we don’t get anywhere else. This week we are linking to one of his recent publications in which he calls out some of the hypocrisy prevalent in our industry’s “conventional wisdom”. http://www.seasoninvestments.com/insights/have-a-coke-and-a-smile/

Ostrich Finance

In a recent study respondents were asked how they would pay for a $400 emergency. Rather surprisingly, 47% of the respondents indicated that they wouldn’t be able to cover the expense out of their savings or checking account balances. What does that say about our collective finances? http://www.seasoninvestments.com/insights/ostrich-finance/

Life is a Voyage

Over the past six weeks we’ve been exploring the topic of risk as it pertains to our finances. Risk is an ever-present part of life, yet most people turn a blind eye to the risks they are either intentionally or unintentionally taking. In today’s post, we will recap some of the key takeaways from our series on financial risk. http://www.seasoninvestments.com/insights/life-is-a-voyage/

Keeping the End in Mind

No one wakes up in the morning thinking, “Today is the day to plan for my demise,” which is why so many people go through lives under-insured without a will or estate plan in place. Today we will look at the risk of not planning for the future of our assets after we pass away. http://www.seasoninvestments.com/insights/keeping-the-end-in-mind/

Tell Your Money Where To Go

When we talk about financial risk most of our us jump straight to the potential for catastrophic events such as a stock market collapse, being laid off at work, or incurring significant medical expenses. But today we’re going to take a step back and discuss a more subversive risk that can (and does) impact nearly all of us – the risk of not saving enough money. http://www.seasoninvestments.com/insights/tell-your-money-where-to-go/

What Lies Within Us

A little over 60% of Americans either regularly or occasionally make New Year’s resolutions and of those people only 8% succeed in achieving their goal. Spending less and saving more money was the third most popular resolution among Americans in 2014, as such, we will cover three helpful tips in achieving self-discipline in spending this week. http://www.seasoninvestments.com/insights/what-lies-within-us/

Burning A Hole In Our Pockets

Why do we all have such an innate desire to spend money? For many of us, it is as if money literally burns a hole in their pocket as it is spent faster than it can be accumulated. The desire to spend money and acquire things comes from an innate desire to boost our self-esteem. http://www.seasoninvestments.com/insights/burning-a-hole-in-our-pockets/

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