Working and Spending: The True Focal Points of a Financial Life

August 2015

Do you remember how great it felt the first time you earned money from babysitting, mowing lawns or an old-fashioned paper route?  How about your excitement when you bought your first car, took your kids to Disney Land, or finally purchased that piece of art you craved?

While the financial industry pushes to get people thinking about saving and investing, our research proves that working and spending are far more central to people’s lives.


Capital Preservation Math – Lessons from the Tour de France

July 2015

The Tour de France finished its annual three week road trip last Sunday, July 26th.  For the non-cyclist, this 21 stage (each day of riding is a stage) bike race is the pinnacle event of the professional bicycling year.  By the end of this year’s race, the riders covered 2,088 miles.  The winner of the Tour de France wears the maillot jaune, or yellow jersey; it designates the individual rider who covered the total distance in the least amount of time.  In the tour, time is the capital, and managing it correctly is as much about riding quickly as it is avoiding unnecessary losses.  For investors, money is capital, and like in cycling, it’s the losses that matter.  That’s why capital preservation math is so important.

Here are the three key points that apply to capital preservation, whether the capital is time or money.


What Do You Say to Yourself About Money?

July 2015

Our research has led to a framework for understanding attitudes and beliefs about money. We call it your Money Mind®, and understanding it can make you more comfortable with your financial position today, and your goals tomorrow.

Do you know your Money Mind?


What is the Meaning of a Financial Life? 

July 2015

Money is woven into so many aspects of our experience – we earn it, spend it, save it, invest it and most of all worry about it!  But when you tell your life story, how does money fit in? The financial industry likes things neatly organized into predictable models, but life can be messy and people can be too sometimes.  So we decided we really wanted to understand how money fits into people’s lives, and use this information to make what we do in the world of finances better and more helpful.


9 Costly Retirement Myths

July 2015

Many retirement myths get repeated with such frequency that they are mistaken for the truth.  As you plan for the future, you must distinguish fact from fiction.

Here are nine retirement myths that if believed and followed, could cost you the retirement of your dreams.


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