When Nobel Prize-winning economist Eugene Fama revolutionized finance with his Efficient Market Hypothesis, he fundamentally changed how we understand investing. His groundbreaking research proves that markets are remarkably efficient at processing information, making it virtually impossible to consistently beat the market through stock picking or market timing. This scientific approach to investing offers profound lessons for building wealth over the long term.

How to make a smart decision for your future care needs

Making Sense of Long-Term Care Insurance

Long-term care (LTC) insurance helps cover the cost of services like home care, assisted living, or nursing home care—expenses that aren’t typically covered by Medicare. But choosing the right policy isn’t always simple. It’s important to ask the right questions and weigh your options based on your health, finances, and goals for the future.

Planning for retirement can feel overwhelming. You’ve worked hard, saved diligently, and now the question is: How do I turn my savings into income that lasts?

One easy-to-understand approach is called the 3-Bucket Strategy. It breaks your retirement savings into three “buckets,” based on when you’ll need the money. This method helps you stay on track, avoid panic during market drops, and sleep a little better at night.

5 Key Long-Term Care Planning Tips Every Pre-Retiree Should Know

Over half of Americans turning 65 today will need some form of long-term care—yet many haven’t planned for it. In this article, we walk through five essential considerations to help you prepare, including how to time your planning, evaluate your insurance options, and protect your retirement assets against rising care costs. Whether you're exploring hybrid policies, inflation protection, or simply want to understand your future care needs, this guide will help you build a personalized strategy with confidence. Don’t wait—secure your future with smart long-term care planning today.

As college costs continue to rise, now is the time to revisit your education savings plan. This article covers smart strategies for using 529 plans, maximizing financial aid and scholarships, and managing student loans—while balancing college savings with your broader financial goals.

Learn why identifying financial gaps is the first step toward true financial security. Discover how the Financial Fire Drill™ helps you organize key documents, clarify decision-makers, and prepare for the unexpected—before a crisis hits.

Investing is an essential component of building wealth and planning for the future, yet many misconceptions can cloud judgment and lead to poor decision-making. Misinformation often spreads through word of mouth, outdated advice, or misunderstood financial concepts.

The market’s been a little rocky lately, and if you’re feeling unsure—you’re not alone. But market ups and downs are nothing new, and they don’t have to derail your plans. In this post, we share a simple way to stay steady during uncertain times, with practical strategies like the “bucket” approach, rebalancing, and the power of staying invested. No jargon, no panic—just a calm, clear path forward.

Financial Readiness resonates with everyday Americans.

It is always about a plan.

Tariffs and what they mean for your investments.