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

The One Big Beautiful Bill  has hit the tax world like a tidal wave. While high-income taxpayers can cheer at the temporary increase in the state and local tax (SALT) deduction, there’s a hidden trap lurking beneath the headlines—a tax “torpedo” that can blow a hole in your bank account if you’re not careful. Think of it as a financial booby trap: you see a treasure chest of deductions, but open it without planning, and—kaboom—your tax bill rockets higher than expected. What

When it comes to retirement accounts—especially Individual Retirement Accounts (IRAs)—few decisions are more important yet more...

Retirement planning is always about balance—ensuring your money lasts as long as you do, while still letting you enjoy the life you’ve...

A sweeping new tax bill—officially called the “One Big Beautiful Tax Bill”—has passed, bringing a mix of extensions, updates, and...

Inheriting an Individual Retirement Account (IRA) can significantly impact your financial planning. Recent changes introduced by the...

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...

For many investors, a stock market downturn feels like a punch to the gut. You open your portfolio statement or log into your investment...

What happens when Suzan turns 73 and must start taking the required minimum distributions?

The social security system isn't keeping up with the increasing life expectancy of Americans.

Everyone likes a good sammie – they can be delicious and convenient. But when you're the filling, it's a different story. A recent survey...

As you become successful in your career, buy a home, save, and invest, you're building knowledge and capability. But are you gaining the...

When planning for retirement, there are a lot of things to consider. One element that plays a major role in these decisions is taxes....