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 questions I hear from parents is: How can we afford college?  With tuition costs rising faster than inflation, preparing for higher education has become one of the biggest financial challenges for families today. The good news is that with the right strategy, you can harness the power of tax-free growth through 529 plans—and the earlier and more aggressively you start, the more dramatic the results. What Is a 529 Plan? A 529 plan is a tax-advantaged sav

Social Security is a cornerstone of retirement planning in the United States, providing vital income to over 66 million Americans....

When it comes to personal finance, one of the most common and important questions I hear is: “How much should I be saving from my...

Most people have heard about 401(k) plans to save for retirement. What exactly is a 401(k) and how does it work? Let’s look at this...