Week 3 | The Missing Chapter | April 2026 A couple I recently started working with are a few months from retirement. Decades of consistent saving, a paid-off house, no debt, a retirement income they can live on comfortably. By the numbers, they are in good shape. They had also been putting off home updates for a while, the way most people do during the busy years. Now, with retirement a few months out, the project had become both timely and necessary. Getting up and down the stairs had gotten harder as they had gotten older. The renovation would make the house safer and easier to move through. They wanted to stay in that house as long as they could, and doing it now, while they had the energy to manage a construction project, made more sense than waiting. When we started working together and looked at how to fund […]
Week 2 | The Missing Chapter | March 2026 There’s a moment, different for everyone, when the income jumps in a meaningful way. A promotion, a new offer, equity starting to vest. The number on the paycheck changed. And at some point after that, maybe right away or maybe months later, a quiet question appears: am I actually making the most of this? Not a crisis. Not a specific mistake you know you made. Just a feeling. The sense that somewhere in the new territory, there might be more opportunity than you’re currently reaching. That feeling is worth following. This week, let’s try to unpack what’s actually underneath it. There’s a version of this you see all the time, the one that tells you crossing a new income threshold changes everything, that what worked before won’t work anymore, that you need a new plan immediately. Financial advisors love […]
Week 1 | The Missing Chapter | Joshua Grass, CFA, CFP® Am I on track? Is my next dollar going to the right place? Is there a more intentional version of this that I’m not seeing? If any of those questions have crossed your mind, you’re exactly who I’m writing this for. Over the last few months, I’ve had the opportunity to meet with an assortment of professionals in varying fields. Doctors, a rocket scientist, a technology exec, mechanical engineers, attorneys, actuaries, data scientists, hell, even a helicopter pilot. Every one of them is exceptional at what they do. And nearly every one of them, when we started talking about their financial life, said some version of the same thing: “I know I should have a better handle on this.” That’s not an insult. It’s a pattern. The financial literacy gap doesn’t discriminate based on IQ, and if that sounds […]