risk management

Saving early might not be enough to ensure a comfortable retirement, and continuing to save during difficult financial times is just as important as when a person begins saving for retirement. According to a global …

by Ryan W. Smith Summer is winding down and the Dog Days are here, which of course means college classes are about to start again with a whole new crop of freshman on campuses across …

The vast majority of college freshman have never created a budget. They have never needed to pay bills, nor have they needed to make sure they have money for food and other necessities. They do …

Yes, credit cards are still a major financial issue for most college freshmen away from home for the first time. There are ways that students can utilize credit in a positive way, but without much …

Freshman year is a year of large changes for most students. It marks the first steps into independence, the first time away from home, the first time she is being recognized as an adult. However, …

by Ryan W. Smith Accumulation of wealth is an American pastime for many families, one of America’s great accomplishments in world history. In the richest nation in the history of the world, the vast majority …

Financial advisors working with wealthy families certainly have their work cut out for them. Learning how to communicate with wealthy families, specifically the decision-makers in those families, is a skill that can take years to …

Yes and no, because the bad habits, bad decisions, recklessness, greed and laziness that can befall lottery winners can also infect a new generation born into old money if the family’s legacy has not been …

The vast majority of families who have struck gold, so to speak, lose it all within the span of only a few generations. Odd as it may seem, this is not uncommon. The first generations …