Blog

Giving Strategically

With the K-shaped recovery being a hallmark of the pandemic, and the effects of COVID having vastly different ramifications for the poor and the wealthy, many people, women in particular¹, are increasingly curious about how to share their resources in tax-efficient ways.

Sequence Risk: The Dangers of a Disorderly Retirement

Imagine two people washing their hands. Not a particularly difficult visual in today’s environment, is it? The first person applies soap, rinses their hands, and dries them off. Meanwhile, the second person rinses their hands, applies soap, then dries them off. Yuck. Both people have performed the same tasks in the same amount of time, but only one person has properly washed their hands. Why? Order matters. Similarly, the order in which your investment returns occur can have a dramatic impact on how long a portfolio can sustain a stream of income for a retiree.

Who’s Going to Pay Your Paycheck in Retirement?

If you are still working today, then the answer is, at least in a large part, YOU! Pensions are becoming a historical pastime, so other than social security, income in retirement is largely up to you and your own investments. With the lack of financial literacy already a crisis in our country, that’s a big job to put on individuals.

Olympic Moments in Life

At Pathfinder Wealth Consulting, our deepest passion is being your trusted team, guiding you and your family through the good times and the bad, both the Olympic moments and the heartache that unavoidably comes with life. 

Do You Have Enough Change for Retirement?

It is highly improbable to believe you will maintain the same vision for your future over the next several decades. Preferences change, personalities evolve, and experiences shape the course of our lives. We learn more about ourselves every day.  

Inflation: Why You Shouldn’t Be Concerned, Yet.

The silent killer. The redheaded stepchild of economists. Inflation has become a big topic in the financial media recently, as it typically does during periods of government stimulus and spending. However, inflation hasn’t been a real risk for a very long time – even decades – so why is it coming into the conversation now?

Aligning Your Investments with Your Heart

We know it feels good to align purchases with causes that are meaningful. Supporting farm to table restaurants, local artists, and “small” businesses are all ways we can make an impact in our community.

But what if you could do the same with your investments?

The Art of Delayed Gratification

The lack of financial literacy is a real problem in our country. Personal finance is not a required course in most schools and there is very little emphasis on practical financial education of any kind, even though it is something everyone must deal with. In my opinion, one of the greatest issues when it comes to financial literacy, and the retirement unpreparedness crisis in our country, is the lack of delayed gratification. 

Financial Literacy Doesn’t Have to Be Rocket Science

In past generations, financial literacy was relatively simple. If you did not have the money in your pocket, you didn’t buy it. Purchasing on credit, extensive loans, and other financial products have all come about in more recent decades as consumer habits have changed. This means financial literacy has changed drastically as well.

Did 2020 Count? How to Keep Your Score in 2021

Most people are excited to see 2020 in the rearview mirror; we have experienced trials and tribulations that we never would have imagined at this time last year. But before we flip the last page on our calendars, it is important to reflect on where we have been and focus on where we may be going.