by David Gaynes | Jun 23, 2017 | Financial Planning
Given that summer has officially started, I thought I would share a piece of advice I give regarding vacations and leisure purchases. As a financial advisor, it is not uncommon for me to get a call from a client who wants to look at buying a vacation property... 
by David Gaynes | May 19, 2017 | Financial Planning
I know what you’re thinking. What kind of financial advisor thinks buying a lottery ticket is a good investment? After all, lotteries are referred to as a tax on people who are bad at math. Statements like, “You are 11 times more likely to be struck by lightning... 
by David Gaynes | Mar 24, 2017 | Financial Planning, Investing
At this time of year, it’s common for predictions to emerge about the economy. While they are interesting, I don’t think they provide us with much useful information. Why? Because experts really don’t know anything more than the average investor. They just spend... 
by David Gaynes | Feb 16, 2017 | Dimensional Fund Advisors, Investing
Checking the weather? Looking at a map of the world to plan your next vacation? Guess what—you’re using a model. While models can be useful for gaining insights that can help us make good decisions, they are simplifications of reality. One example of a model is a... 
by David Gaynes | Jan 9, 2017 | Financial Planning
The decision to trust someone with your hard-earned money is very personal. And since you’re basically hiring someone to provide expertise that you don’t have, it can be tough to sort the good expertise from the fluff. Whether you’re looking for a financial advisor... 
by David Gaynes | Dec 8, 2016 | Financial Planning
Getting together with family over the Holidays presents a unique—albeit delicate—opportunity to discuss finances with your aging parents. We live in a society where asking people about their money is considered rude. Many families are secretive about their savings. ... 
by David Gaynes | Oct 28, 2016 | Financial Planning
Dying intestate (will-less) leaves your heirs with a potential mess. And yet, 61% of Americans die without one, says a recent Harris Interactive poll for RocketLawyer, a legal website. *In fact, 28% of us would rather do anything than make a will. Without a will,... 
by David Gaynes | Sep 16, 2016 | Financial Planning
For the past 25 years I have counselled clients during elections. It’s typically the same: some are fearful, while others are optimistic. The reality is that we are pretty much a 50/50 nation. Regardless of whether your favorite candidate wins, about half the country... by David Gaynes | Aug 4, 2016 | Financial Planning
When it’s time to prepare for the nest to empty, mixed feelings abound. Preparing for college can be exciting and stressful for everyone in the family. If your child is a rising senior, you have a year of testing, deadlines, applications, and nail biting. For your... by David Gaynes | Jul 14, 2016 | News
One of the biggest and most costly mistakes that most people make is failing to consider the very real possibility that they will need some type of long term medical care in the future—either in the home, in a nursing home, rehabilitation center, or assisted living...
