This is one of my biggest soap box issues For decades, financial advisers have relied on a tool called risk profiling - a questionnaire that supposedly reveals how much volatility, uncertainty, and potential loss a client can “tolerate.” On paper, it sounds perfectly reasonable. In practice? It’s one of the biggest misconceptions the financial advice industry has ever created. And that’s saying something! The Problem With Risk Profiling Let’s start with the obvious: I’ve neve

How confident are you about your financial future? Take the Accumulator Scorecard and get instant clarity on where you stand. The Accumulator Scorecard is still evolving – and that’s intentional. I’m building 3 Scorecards (depending on which life stage you fall into) through real-world use and real-world feedback from people just like you. Even though they’re not the ‘final version’, they already do something incredibly valuable: they give you clarity. Clarity about what you

It's never too early or too late to have a plan. Estate planning isn’t just for the ultra-wealthy or the elderly, it’s for anyone who has people and assets they care about. Simply put, an estate plan is a strategy for managing and distributing everything you're responsible for when you’re no longer able to do so yourself.   Let’s dive into the essentials of what an estate plan includes, why it's crucial to have one, and how to make sure all your important information is in on