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How to Stomach Market Volatility

This has been quite a few weeks in markets all over the world with huge daily price swings and the…

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Part II: Playing The Odds
at Every Turn

Last week, I walked you through a spirited conversation we had with a friend over dinner about health, and my…

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Is This a Good Time to
Withdraw Money?

Good Morning Relaxing Retirement Member, The question we hear the most when markets correct sharply as they have these last…

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What’s YOUR Target?

Good Morning Relaxing Retirement Member, As we began discussing last week, would you take a new potent drug because it’s…

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The Most Influential Decision You Must Make

When your employment income “faucet” turns off, the stakes go up, and your entire investment mindset and process has to…

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Knowing What NOT to Invest

If you’ve been following each step in The Relaxing Retirement Formula™ so far, you know just how critically important it…

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Discover the “Real” Rate of Return You Must Earn

Would you take a potent new drug because a television personality was discussing it last night? Of course not! When…

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Playing The Odds at
Every Turn

Last summer, I had a “spirited” conversation with friends over dinner about health which led to some research on my…

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What You MUST Know
Before Investing

Good Morning Relaxing Retirement Subscriber, Every “retirement calculator” I’ve come across from any financial firm always begins with you assuming…

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What You MUST Know
Before Investing

Good Morning Relaxing Retirement Member, Every “retirement calculator” I’ve come across from any financial firm always begins with you assuming…

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But, I Don’t Have Time to
Make it Back

Good Morning Relaxing Retirement Subscriber, Most Americans walk proudly and carefree when market prices are climbing. Risk becomes irrelevant. Strategic…

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But, I Don’t Have Time to
Make it Back

Good Morning Relaxing Retirement Member, Most Americans walk proudly and carefree when market prices are climbing. Risk becomes irrelevant. Strategic…

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Have You Ever Stopped to
Think About Why You Invest?

Good Morning Relaxing Retirement Subscriber, Have you ever stopped to think about why you invest your hard-earned money and put…

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Have You Ever Stopped to
Think About Why You Invest?

Good Morning Relaxing Retirement Member, Have you ever stopped to think about why you invest your hard-earned money and put…

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Three Steps to Take For Your Family
This Holiday Season

Good Morning Relaxing Retirement Subscriber, As we begin another holiday season with our families, I can’t help but think about…

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Three Steps to Take For Your Family
This Holiday Season

Good Morning Relaxing Retirement Member, As we begin another holiday season with our families, I can’t help but think about…

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A New Decade:
The World is Your Oyster!

Good Morning Relaxing Retirement Subscriber, A decade and 2019 is coming to a close so it’s time to turn the…

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Back to The Fundamentals

Good Morning Relaxing Retirement Subscriber, 2019 provided us with another year of lessons to be learned. On the heels of…

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Redefine the “R” Word

Kevin and Barbara were anxious and came to us looking for answers to settle their nerves.  Their reaction when they…

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3 Answers You Need
to Confidently
“Flip the Switch”
to Your BEST LIFE

Every disciplined accumulator we’ve worked with reached a unique inflection point which we call The Employment Dependency Threshold™. After decades…

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Step II of The
Relaxing Retirement Formula

Good Morning Relaxing Retirement Subscriber, In last week’s Strategy, we talked about your level of Retirement Bucket™ Dependence, and the…

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Step II of The
Relaxing Retirement Formula

Good Morning Relaxing Retirement Member, In last week’s Strategy, we talked about your level of Retirement Bucket™ Dependence, and the…

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3 Answers You Need to Confidently
“Flip the Switch” to Your BEST LIFE

Good Morning Relaxing Retirement Member, Every disciplined accumulator we’ve worked with reached a unique inflection point which we call The…

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It’s Not About Living on a “Budget”

Good Morning Relaxing Retirement Subscriber, Dependence is not exactly an inviting term!  Who wants to be “dependent” on anything or…

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It’s Not About Living on a “Budget”

Good Morning Relaxing Retirement Member, Dependence is not exactly an inviting term!  Who wants to be “dependent” on anything or…

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Redefine the “R” Word

Good Morning Relaxing Retirement Member, Kevin and Barbara were anxious and came to us looking for answers to settle their…

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Back to The Fundamentals

Good Morning Relaxing Retirement Member, 2019 provided us with another year of lessons to be learned. On the heels of…

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A New Decade:
The World is Your Oyster!

Good Morning Relaxing Retirement Member, A decade and 2019 is coming to a close so it’s time to turn the…

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What The New SECURE Act
Means For You

Good Morning Relaxing Retirement Subscriber, We begin the new year with the passage of The SECURE Act, which is the…

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What The New SECURE Act
Means For You

Good Morning Relaxing Retirement Member, We begin the new year with the passage of The SECURE Act, which is the…

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Be Aware of Which “Hat”
You Have On

Good Morning Relaxing Retirement Member, During periods of turmoil and above average volatility, there’s a very distinctive habit that all…

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Be Aware of Which “Hat”
You Have On

Good Morning Relaxing Retirement Subscriber, During periods of turmoil and above average volatility, there’s a very distinctive habit that all…

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Thanksgiving Gratitude

Good Morning Relaxing Retirement Subscriber, With my favorite holiday of the year (Thanksgiving) upon us, let’s take our annual sabbatical…

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Thanksgiving Gratitude

Good Morning Relaxing Retirement Member, With my favorite holiday of the year (Thanksgiving) upon us, let’s take our annual sabbatical…

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Perspective on
Market High Fears

Now that markets have bounced back and the S&P 500 Index has crossed another significant threshold (3,000 points), the financial…

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Smarter Charitable Donations

Good Morning Relaxing Retirement Subscriber, Now that we are into the final quarter of 2019, where the overwhelming majority of…

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Part II: Smarter Charitable Donations

Good Morning Relaxing Retirement Subscriber, Last week, as we entered the final quarter of the year where the overwhelming majority…

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The “News” The Media Missed Last Week

Good Morning Relaxing Retirement Subscriber, I scoured multiple financial media outlets last week looking for a very important news item. …

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DALBAR Reports Dismal Results
and Confirms Biases

Good Morning Relaxing Retirement Subscriber, DALBAR Inc.’s 25th Annual Quantitative Analysis of Investor Behavior (QAIB) has reported dismal investor returns…

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Investor Biases You Must Avoid

Good Morning Relaxing Retirement Subscriber, Last week, I revealed the results of the 25th Annual DALBAR Quantitative Analysis of Investor…

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Massive Underperformance Reason #2: Fees

Good Morning Relaxing Retirement Subscriber, Over the last two weeks, I have revealed the results of the 25th Annual DALBAR…

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Perspective on Market High Fears

Good Morning Relaxing Retirement Subscriber, Now that markets have bounced back and the S&P 500 Index has crossed another significant…

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Annual Tax Loss Harvesting

Good Morning Relaxing Retirement Subscriber, December is upon us once again, so before the clock strikes midnight on New Year’s…

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Annual Tax Loss Harvesting

Good Morning Relaxing Retirement Member, December is upon us once again, so before the clock strikes midnight on New Year’s…

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Perspective on Market High Fears

Good Morning Relaxing Retirement Member, Now that markets have bounced back and the S&P 500 Index has crossed another significant…

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Massive Underperformance Reason #2: Fees

Good Morning Relaxing Retirement Member, Over the last two weeks, I have revealed the results of the 25th Annual DALBAR…

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Investor Biases You Must Avoid

Good Morning Relaxing Retirement Member, Last week, I revealed the results of the 25th Annual DALBAR Quantitative Analysis of Investor…

Click Here to Read More

DALBAR Reports Dismal Results
and Confirms Biases

Good Morning Relaxing Retirement Member, DALBAR Inc.’s 25th Annual Quantitative Analysis of Investor Behavior (QAIB) has reported dismal investor returns…

Click Here to Read More

The “News” The Media Missed Last Week

Good Morning Relaxing Retirement Member, I scoured multiple financial media outlets last week looking for a very important news item. …

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Part II: Smarter Charitable Donations

Good Morning Relaxing Retirement Member, Last week, as we entered the final quarter of the year where the overwhelming majority…

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Smarter Charitable Donations

Good Morning Relaxing Retirement Member, Now that we are into the final quarter of 2019, where the overwhelming majority of…

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When to Consider
and When to Run From Annuities

Good Morning Relaxing Retirement Subscriber, As promised last week after the questions I received, I’m now going to give you…

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When to Consider
and When to Run From Annuities

Good Morning Relaxing Retirement Member, As promised last week after the questions I received, I’m now going to give you…

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Beware of One-Size-Fits-All Annuities

Good Morning Relaxing Retirement Subscriber, After sharing the story last week of our Relaxing Retirement member’s brother and the enormous…

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Beware of One-Size-Fits-All Annuities

Good Morning Relaxing Retirement Member, After sharing the story last week of our Relaxing Retirement member’s brother and the enormous…

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What Surrender Charge?

Good Morning Relaxing Retirement Subscriber, I recently shared a painful story with a new member which I haven’t discussed in…

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What Surrender Charge?

Good Morning Relaxing Retirement Member, I recently shared a painful story with a new member which I haven’t discussed in…

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Evaluating Social Security
Benefits for Your Spouse

Good Morning Relaxing Retirement Subscriber, Last week, we took a long look at the math behind claiming your social security…

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Evaluating Social Security
Benefits for Your Spouse

Good Morning Relaxing Retirement Member, Last week, we took a long look at the math behind claiming your social security…

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Will You Collect Social Security Benefits
Before Age 66?

Good Morning Relaxing Retirement Subscriber, A new Relaxing Retirement member had a host of questions surrounding social security this past…

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Will You Collect Social Security Benefits
Before Age 66?

Good Morning Relaxing Retirement Member, A new Relaxing Retirement member had a host of questions surrounding social security this past…

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LABOR Day

Good Morning Relaxing Retirement Subscriber, On this Labor Day weekend, established over one hundred years ago to celebrate the achievements…

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LABOR Day

Good Morning Relaxing Retirement Member, On this Labor Day weekend, established over one hundred years ago to celebrate the achievements…

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A False Premise That Leads
to Bad Investment Decisions

Good Morning Relaxing Retirement Subscriber, Higher than normal daily stock market volatility over the last few weeks, and the confusion…

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A False Premise That Leads
to Bad Investment Decisions

Good Morning Relaxing Retirement Member, Higher than normal daily stock market volatility over the last few weeks, and the confusion…

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Calculating Your Capital Gains Tax
on The Sale of Your Vacation Home

Good Morning Relaxing Retirement Subscriber, Last week’s edition on calculating the capital gains tax due on the sale of your…

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Calculating Your Capital Gains Tax
on The Sale of Your Vacation Home

Good Morning Relaxing Retirement Member, Last week’s edition on calculating the capital gains tax due on the sale of your…

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How Much Will You Owe in Capital Gains Taxes
When You Sell Your Home?

Good Morning Relaxing Retirement Subscriber, A few of our Relaxing Retirement members are in various stages of selling their primary…

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How Much Will You Owe in Capital Gains Taxes
When You Sell Your Home?

Good Morning Relaxing Retirement Member, A few of our Relaxing Retirement members are in various stages of selling their primary…

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Obvious and Logical

Good Morning Relaxing Retirement Subscriber, Several years back, I was watching a New England Patriots football game with my son…

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Obvious and Logical

Good Morning Relaxing Retirement Member, Several years back, I was watching a New England Patriots football game with my son…

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Goal vs. Market Focused

Over the last 30 years, the successful investors I’ve witnessed were relentlessly goal-focused. The unsuccessful ones were anxiously market-focused. There…

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Two More Responsibilities to Your Task

While your lifestyle was being supported by the income from the work you do, investing was far simpler, and you…

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Protect Your Financial Confidence with Meaningful Specifics

I had a wonderful conversation with a Relaxing Retirement member last week that I’d like to share with you. They…

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Should You Pay Off Your Mortgage?

One of the questions I receive all the time, especially from new Relaxing Retirement members, is “should we pay off…

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Valid Reasons to Have a Mortgage in Retirement

Before we jump into strategy, I want to take a moment to address the commonly held belief that carrying any…

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How Often Do You “Look?”

How often do you “look” at “the market?”  Or, your investment portfolio? Be honest! With technology and the financial media…

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Know How Not To Give It All Away In Taxes – Part I

**This is the first of a two-part excerpt from Chapter 6 of THE RELAXING RETIREMENT FORMULA on What You Own,…

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Know How Not To Give It All Away In Taxes – Part II

**This is the second of a two-part excerpt from Chapter 6 of THE RELAXING RETIREMENT FORMULA on The Tax Reduction…

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Lessons From One of The Lost Boys of Sudan

My family’s time hosting a terrific young man over the last few days through Boston Marathon Monday provided another memorable…

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Should You Continue Renting or Buy a Second Home?

There are two times of year when the buy vs. rent a second home question comes up.  The first is…

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Financial Confidence

In this episode, we discuss the KEY difference I’ve discovered over the last 30 years of research and hands-on work…

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The 5 Big Stumbling Blocks You Hit in Your 60s

In this episode, I reveal the 5 Big Stumbling Blocks You Hit in Your 60s, and how you can avoid…

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What to Do To Create Your Ideal Lifestyle!

In this episode, I share a very funny scenario I experience with many new members, and a critically important strategy…

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Why You Should Only Work With 1.6% of Financial Advisors

In this episode, we’re going to discuss how you can determine if the advisor you’re working with, or considering working…

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Today’s Retirement Predicament

Discover the unique predicament successful savers face when transitioning to retirement today

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Do You Have Enough in Your Retirement Bucket?

In this episode, we’re going to cover the very first question everyone I meet wants to know: Do We Have…

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The 5 Answers You Need
Before You Invest

Investing on the other side of The Employment Dependency Threshold when you no longer have income coming in from the…

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What NOT to Invest During Phase 2 of Your Financial Life

In this episode, we’re going to discuss a critically important investment strategy which has both practical and psychological benefits.

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Is Your Advisor a Pure Fiduciary

Conflicts of interest are everywhere in the financial services industry. Discover if your advisor is legally sworn to act in…

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