Deliberate Money Moves

Join me in this episode of Deliberate Money Moves where we discuss what it means to have a successful stock portfolio, what is required to make your portfolio excel and how to stay on track. It's time to stop sabotaging gains and earn a positive return! Previously Published Jan 29, 2020

When it comes to assessing and changing your financial life, what's holding you back? Is it finally weeding things out and making the change? Is it the inertia or that you find yourself falling back into old habits?  Join me in this episode of Deliberate Money Moves where we discuss what habits to break and how to commit to the change so you can spend less time and find more value in your finances...

The phrase in the title of this post is said to have been first used in the novel "Don Quixote," and is written as follows, "It is the part of a wise man to keep himself today for tomorrow, and not venture all his eggs in one basket." The message, of course, is that it can be quite risky to keep all your valuables in one place. Join me in this episode of Deliberate Money Moves where we discuss the...

Higher risk must be accompanied by higher potential rewards. To get that, we have to accept more volatility and that's what the stock market provides. Join me in this episode of Deliberate Money Moves where we discuss that even a well-diversified portfolio will move up and down with the markets and learn how to structure a portfolio so we can live within the good times and the bad!   Previously Pu...

Any successful long-term investment strategy requires faith in the future. Join me in this episode of Deliberate Money Moves where we walk through "what" we should have faith in and why. We also discuss the recurring argument that "this time it's different." As a Danville Financial Advisor, I wrap up with the good news that once we have faith in the future, investing gets a lot easier!   Previousl...

Are you confused by all the terms my industry throws around? Frankly, I am too. And you want to know why? It's because we professionals use these terms differently – we mean different things. Join me in this episode of Deliberate Money Moves where I describe my Financial Planning process using everyday language so you can understand and maybe apply something you learn here. As a Bay Area Financial...

Ever wonder what the most common mistakes are that investors make (and how to avoid them)? Here's a hint: they have nothing to do with specific strategies and everything to do with our humanity.   Join me on this episode of Deliberate Money Moves as we explore 7 mistakes that all investors struggle with. But don't fret, there is a simple (but not easy) solution!   Previously published on Jul 21, 2...

Ever wonder why your fund manager can't beat the markets? There's a simple reason and the answer may entirely change the way you think about your investment strategy.   Join me on this episode of Deliberate Money Moves as we explore a better way to create and manage your investment portfolio.   Previously published on Aug 18, 2020    

Ever wonder if you own too much company stock? If you've ever had that thought, then you probably do own too much! Join me in this episode of Deliberate Money Moves as we explore how this happens, why it matters, and what to do about it.   Previously published on Oct 12, 2020, titled "Am I Overexposed?"

You just created a pile of cash. What should you do with it? When you face this situation – and I hope it's often – consider creating a Cash Structure that will make sure you have enough money in your savings while maximizing your investments at the same time. Join me in this episode of Deliberate Money Moves as we explore how to create your Cash Structure and what it means to give every dollar a...

Ever wonder what the best way is to manage your RSUs? With all the tax information and stock price movements, it can be difficult to create a plan that makes sense so that these funds support your life. Join me in this episode of Deliberate Money Moves where we explore a tax-smart way to transition your hard-earned RSU money into the rest of your Financial Life.   Previously published on Jun 22, 2...

Do you know the price tag of your lifestyle? Are you thinking about your spending, but not really looking at it? Join me in this episode of Deliberate Money Moves as we explore how to get joy from your spending by making better value decisions once you know where your money goes.   Previously published on Jan 16, 2021  

Is your money working for you? I mean ALL of your money? Even if it just sits in savings so you don't have to worry about upcoming expenses, it's doing good work for you! Join me in this episode of Deliberate Money Moves as we explore the importance of giving a job to every dollar you have.   Previously Published on Jan 25, 2021  

Do you have extra cash but don't know what to do with it? If so, your cash is not really working for you. Join me in this episode of Deliberate Money Moves as we explore what's right for that cash considering your specific circumstances.   Previously Published on Feb 8, 2021  

Successful investing begins with understand what should be invested and what should not. Join me in this episode of Deliberate Money Moves as we explore how to build your Savings Target, allowing you to invest the rest of your funds in your Long Term Portfolio. Previously Published on Feb 22, 2021  

If you ever want to spend any time without income in your life – whether it's retirement, a sabbatical, or whatever – then you must earn more than you spend. Join me in this episode of Deliberate Money Moves where we explore cash placement, calculating your Savings Target and building wealth.

If you are in a health plan that qualifies as a cheaper plan with a high annual deductible, you can open an HSA along with it.   Join me in this episode of Deliberate Money Moves where we discuss the 5 rules to know and talk strategy.

There are only four things you can do with your money: pay taxes, spend it, invest it, or give it away.    Join me in this episode of Deliberate Money Moves where we explore the true value of your money.

I've seen many people lose money in cash investments and it always happens the same way.   Join me in this episode of Deliberate Money Moves where we explore the importance of liquidity, evaluate the risk of loss and the allure of yield.

Planning for your financial future includes the financial security of your loved ones and in California, having a family trust is an essential part of this security.   Join me in this episode of Deliberate Money Moves where we explore how to preserve family harmony, avoid lengthy delays and expenses, and keep matters private.

Ok, so you've bought into ignoring short-term market fluctuations, but it's likely not that simple.   Join me in this episode of Deliberate Money Moves where we explore having an Investment Philosophy and the benefits of a Financial Advisor. 

It is unfortunate, but to understand why diversification works, we must understand a little math.     Join me in this episode of Deliberate Money Moves where we explore the mathematical magic to construct a diversified portfolio.

So, you want to live comfortably in your future years and you're not so sure it's going to happen.   What to do?     Join me in this episode of Deliberate Money Moves where we discuss maximizing your savings.

How much will you spend in the future? This is an important question, and we can get nearly there by looking at your current expenses.     Join me in this episode of Deliberate Money Moves were we discuss the importance of planning for inflation.

On March 8th, SVB was trading at $267 per share. By March 10 th , you couldn't give your SVB stock away. Investors lost $16 billion in 2 days.   Join me in this episode of Deliberate Money Moves where we explore the lesson to be learned here.