I was listening to a podcast recently that got me thinking about being alone in the universe. The podcast began with a journalist, who also happened to be a particle physicist, who was having an emotional conflict with a science principle known as Fermi’s Paradox which states that there is an enormous probability that we are completely alone in the universe. This journalist explained that it made him feel really sad every time he thought...

When your child(ren) leave home for the first time, the transition to having an empty house can be challenging. It can also be very exciting! Similar to retirement, divorce, or any life transition, the range of emotions can vary and how you manage your time, feelings, finances and relationships through that transition can have an impact on your well-being and lifestyle. Having a child is a life-changing event. So is having a child leave home....

Behavioral biases directly challenge an investor’s ability to make consistent, rational and logical investment decisions when faced with distractions. These distractions come from the media, uncertainty and volatility in the markets, or pressure to buy and sell from friends, relatives, financial “gurus” and other less than reliable sources for investment advice. Being able to identify distractions and put them in context can help investors see beyond their own human nature and act with more discipline...

In recent years the number of people getting divorced in their fifties and later has been climbing—rather steeply. According to a recent study, one in four divorces are initiated by couples over the age 50.[i] If a divorce occurs close to retirement it can be incredibly challenging to recover from a loss of assets and, according to Susan Brown, author of Gray Divorce: A Growing Risk Regardless of Class or Education, a study on the...

When the time comes to retire there can be mixed emotions. On the one hand you are excited, right? Most people approaching retirement have worked diligently for four or five decades and the prospect of switching up that early morning, five day per week routine is certainly something to look forward to. On the other hand, feelings of apprehension can arise when you think about all that time. What if the things that you’ve looked...

We had no idea that global headlines would be full of stories about on-line threats just days before we published a blog on enhancing cybersecurity! In fact, the ink “dried” on our newest post a few days before the most recent tech scare hit the news. Although the solutions in the following article are not 100% “hacker-proof”, they will offer the best protection from threats like ransomware, malware and identity theft. We hope our blog...