No Non-Cents Blog

Volatility is nothing new. Markets rise, fall, and then rise again — often for reasons that seem disconnected from the real world. Yet even though we intellectually understand that markets move in cycles, our behavior often tells a different story. One of the most interesting truths in wealth management is this: The greatest threat to long-term returns is rarely the market itself. It’s the decisions investors make during stressful moments. This reality is the foundation of

One of the most common conversations I have with clients revolves around a simple but powerful question: Where does all the money go?  We work hard, we earn a good living, but at the end of the month the checking account seems to drain faster than we’d like. Often, the answer lies not in one large purchase, but in hundreds of small ones. This is what I call the “Starbucks dilemma”—spending more than we realize on coffee, meals, and convenience, while missing the opportunity t

As a financial advisor, I’ve worked with people from all walks of life—young professionals, retirees, business owners—and one thing...