Diversify, Monitor Occasionally, Rebalance If Needed: My Golden Rules of Long-Term Investing
For prudent investors who comprehend math, probability, and market dynamics, broad diversification is the optimal strategy.
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Jeff Bernier
Aug 24, 20234 min read
Maximizing Your Retirement: Exploring the Benefits and Considerations of Roth IRAs
Discover the power of Roth IRAs for retirement. Explore benefits like flexibility, no RMDs, and tax diversification.
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Jeff Bernier
Jun 1, 20233 min read
Retirement Mistakes to Avoid: Financial Planning and Finding Fulfillment in the Next Chapter
Here are some common retirement mistakes related to both money and meaning.
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Jeff Bernier
May 17, 20238 min read
From Fear to Preparedness: Embracing the Normalcy of Recessions
If you visited the Dairy Queen restaurant in Fargo, North Dakota to see the world’s largest Dilly Bar in July, you would be welcomed by...
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Jeff Bernier
May 10, 20231 min read
My Top 5 Books for Financial Peace in Retirement
My Top 5 Books for Financial Peace in Retirement
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Jeff Bernier
May 8, 20234 min read
The Evolution of Behavioral Finance: Why Successful Investing is About More Than Just the Math
When I was a finance major at the University of Georgia, I studied the Capital Asset Pricing Model (“CAPM”). Early in my career I was...
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Jeff Bernier
May 4, 20232 min read
Beyond the Material Matters: How I Found Deeper Purpose in Helping Clients Live Happier Lives
By 2005 I could see that my business was going to thrive. So why wasn’t I satisfied? My first epiphany came that same year when I went...
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Jeff Bernier
Apr 26, 20231 min read
The Evidence-Based Approach to Investing: Factors You Can Count On
Research identifies “factors” or “characteristics” of securities that produce higher expected returns. With the advent of more robust...
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Jeff Bernier
Apr 23, 20231 min read
Trusting Your Gut: 5 Questions to Ask When Choosing a Financial Advisor
No matter how perfect an advisor’s background, skills, and ethics may be, it’s important to trust your gut when it comes to your personal...
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Jeff Bernier
Apr 20, 20232 min read
Can Online Tools for Budgeting Help You Achieve Financial Success?
Many years ago, I read Thomas Stanley’s book, The Millionaire Next Door. A major point of the book was that the person who is...
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Jeff Bernier
Mar 14, 20232 min read
What are the challenges that everyday heroes like you are facing as you transition to retirement?
Markets aren’t cheap / returns could be lower. Stocks that may have earned high returns in the past have no guarantee that they will...
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Jeff Bernier
Jan 10, 20234 min read
Three Lessons for New Year Goal Planning
If you visited the gym this week, you may have noticed larger crowds than normal. Yes, it’s new year’s resolution season! The turning of...
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Jeff Bernier
Dec 20, 20222 min read
VUCA, Finances, and the Hero's Guide
VUCA stands for volatility, uncertainty, complexity, and ambiguity. Those in the mid to late stages of their career face a confusing...
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Jeff Bernier
Nov 22, 20221 min read
A Hero's Journey: Do you have what it takes to retire?
How do I retire? When can I retire? What do I want to do in retirement? Could lower expected returns or a potential bear market impact my...
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Jeff Bernier
Nov 11, 20222 min read
Replace "Fake It Till You Make It" with the Immortal Diamond
Those who have not found true wealth, which is the radiant joy of Being and the deep, unshakable peace that comes with it, are beggars,...
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Jeff Bernier
Oct 31, 20222 min read
"Presence is Our Essence"
We learn from our past, we motivate ourselves by thoughts of the future, but we live our lives in the present, the now.[i] Are you ever...
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Jeff Bernier
Oct 21, 20222 min read
#5 of Series
I’m nearing retirement, should I pay-off my mortgage? If I buy a new house, should I finance it? As with many questions regarding...
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Jeff Bernier
Oct 20, 20222 min read
#4 of Series
When should I start taking Social Security benefits? Social Security timing is an important decision for retirees. The right time to...
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Jeff Bernier
Oct 19, 20222 min read
#3 of Series
If I retire prior to age 65, how do I get health insurance? Many people are hesitant to retire prior to the Medicare eligibility age of...
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Jeff Bernier
Oct 18, 20222 min read
#2 of Series
How do I structure my portfolio for the income I want? Based on my age, is there a "prescribed" portfolio? Broadly, there are two ways to...
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