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Featured On The Blog

The other brackets: taxes Managing your tax bill can increase your investment returns

Managing the Other Bracket: Your Tax Bracket

Managing your tax bill can increase your investment returns We're ...
Plan for life's one certainty

Plan for Life’s One Certainty – End of Life Planning

Over the past year, five of our clients have lost ...
Chasing rabbits ... and mouth-watering investments

Chasing Rabbits…and Mouth-Watering Investments

Our old neighborhood was rife with rabbits, and Puccini, our ...
Old Peak Finance

Is Your Living Trust in a Coma?

Easy Fixes for Your Estate Plan. Too many people do ...
Learn to avoid tax return mistakes and protect yourself from overpaying or incurring penalties. You'll thank yourself for investing the time.

How To Avoid a Mistake on Your Taxes

We're in tax season. Some people prepare their returns themselves. ...

Financial Steps After a Loved One’s Death

When a loved one dies, the last thing the surviving ...

How to Face a Scary Investing World

Investors face a scary world. At least, that's the feedback ...
Understanding restricted stock units - RSUs

Understanding Restricted Stock Units (RSUs): A Guide for Our Clients

Executive compensation is a broad term used to encompass the ...
Japan's economic narrative illustrates pivotal insights for today's investors.

What Can Investors Learn From the Japanese Bubble?

Some 35 years ago - ancient times for many investors ...
Protect yourself from hackers and fraudsters with these 5 smart steps to secure your online assets and passwords.

Protecting Yourself from Hackers & Fraudsters

Your financial assets are at greater risk than they have ...
nearing-retirement

Nearing Retirement? We’re All Different and All the Same.

Everyone's financial situation is unique. At Old Peak Finance, we ...
can you afford to retire

The #1 Indicator You Can Afford Retirement

Some years ago, there was an inane commercial (here) that ...
Don’t run from risk. Manage it.

Don’t Run From Risk. Manage It.

You don't see people covering themselves in bubble wrap to ...
company stock option

Love Your Employer, Not Their Stock.

Many employees are happy in their job and believe in ...
3 Reasons Investing In Foreign Stocks is a Smart Move

3 Reasons Investing In Foreign Stocks is a Smart Move

US stocks have done far better than non-US stocks for ...
Using a Roth 401k to Improve Your Retirement Readiness

Using a Roth 401k to Improve Your Retirement Readiness

For most people, a Roth 401k is a better choice ...
How High-Income Earners Can Avoid Financial Mistakes

How High-Income Earners Can Avoid Financial Mistakes

Regardless of salary, you need a plan and discipline Earning ...
Perspectives on the US Debt Ceiling Stand-Off

Perspectives on the US Debt Ceiling Stand-Off

The possibility that the US government may be unable to ...
Portfolio Balancing Act

Balancing Act

Rebalancing is key to achieving your financial goals. We just ...
Gradually and Then Suddenly - How a Financial Crisis Unfolds

Gradually and Then Suddenly

What to do when the next financial crisis unfolds. One ...
What Silicon Valley Bank’s Failure Means for You

What Silicon Valley Bank’s Failure Means for You

To minimize risk, plan for the unexpected On March 10, ...
The other brackets: taxes Managing your tax bill can increase your investment returns

Managing the Other Bracket: Your Tax Bracket

Managing your tax bill can increase your investment returns We're ...
New Retirement Plan Rules: What You Should Know Secure Act 2.0

New Retirement Plan Rules: What You Should Know

In late December 2022, Congress passed the SECURE 2.0 Act, ...
Why Gifting a Roth IRA Is Better Than Gifting Cash

When Gifting a Roth IRA Is Better Than Gifting Cash

The Next Generation Will Love a Roth IRA It's the ...
Yoga’s Benefits for Your Retirement Plan

Beyond the Mat: Yoga’s Benefits for Your Retirement Plan

It looks like we are headed for the worst year ...
Old-Peak-Finance-Interest-Rates-Impact-Investments

How Higher Interest Rates Impact Investments and What You Can Do

The steep rise in interest rates has been bad for ...
Old Peak Finance The Most Dangerous Time to Be An Investor

The Most Dangerous Time To Be an Investor

Investors in stocks and bonds have seen the value of ...
Old Peak Finance Humble Pay Stub

The Humble Paystub

Most of us don't pay attention to our paystub. We ...
Old Peak Finance Will Power

“Will” Power: What Your Last Will Does and Doesn’t Do

Your last will and testament is a powerful document. It's ...
Old Peak Finance Its Never Time to Time the Market

It’s Never Time to Time the Market

In times like these, when almost every investment is losing ...
Tax-loss harvesting

Tax-loss Harvesting in a Down Market

Making lemonade from lemons When your investments fall in value, ...
100 dollar bills

Understanding Bonds

Why they're still critical to your financial plan The goal ...
The Land Of No Tax - Roth

Roth Contributions and Reaching the Land of No Tax

There's nothing like April 15 to focus us on reducing ...
Bitcoin Old Peak Finance

Making Cents of Bitcoin – Pun, and Caution, Intended

  What are the risks of cryptocurrencies, such as Bitcoin ...
Plan for life's one certainty

Plan for Life’s One Certainty – End of Life Planning

Over the past year, five of our clients have lost ...
Roller Coaster Investors

Riding the Roller Coaster – Financial Lessons for Investors

Commentators sometimes compare investing in stocks to riding a roller ...
What to Expect

What To Expect: When You’re Expecting More of the Same

With your investing and financial planning - expect something unexpected. ...
Social Security benefit bump

Delayed gratification: The 5.9% Social Security bump

The federal government just announced that annual Social Security benefits ...
How to Think About Inflation

How to Think About Inflation

It's always a risk, but maybe not what you think ...
2021 Democratic Tax Proposal

Tax Law Proposal: What You Need to Know

Democrats released their proposed tax bill on Monday, Sep 13. ...
Dan Routh A Busy Decade

A Busy Decade | Navigating Life and Career Transitions

Note: We work with many clients through challenging transitions, including ...
Full Circle: Financial Freedom

Full Circle: Financial Freedom

Note: We work with many clients through challenging transitions, including ...
Transitioning to parenthood: flexibility required by Molly

Transitioning to Parenthood: Flexibility Required

Note: We work with many clients through challenging transitions, including ...
Happy Independence (From Fraud) Day

Happy Independence (From Fraud) Day

Spend 30 Minutes to Protect Yourself From Fraud You probably ...
Chasing rabbits ... and mouth-watering investments

Chasing Rabbits…and Mouth-Watering Investments

Our old neighborhood was rife with rabbits, and Puccini, our ...
charitable giving

Tax-Smart Giving and Gifting

Maximizing what you leave to non-profits and the next generation ...
Old Peak Finance

Is Your Living Trust in a Coma?

Easy Fixes for Your Estate Plan. Too many people do ...
Old Peak Finance

There Are No Straight Lines: How to Prepare for the Next Curve

We are now one year past the sharp market fall ...
Old Peak Finance - Easy Does It - Personal Finance Isn't as Hard as We Make It

Easy Does It – Personal Finance Isn’t as Hard as We Make It

A few years ago, a study found a direct link ...

The Impact of Your Investing

Your investment dollars are making an impact. The question is, ...
Old Peak Finance - Gamestop: Not investing, but not irrelevant

Gamestop – Not Investing, But Not Irrelevant

As you probably know, a small corner of the stock ...
Old Peak Finance - Check Your Politics at the Door

Check Your Politics at the Door

The stock market is neither red nor blue. In our ...
Old Peak Finance - Fraud Stories From Our Readers

Fraud Stories From Our Readers

Last month, I asked readers to share their experiences as ...
Old Peak Finance - Been a Fraud Target?

Been a Fraud Target? Tell us About it.

If you google "online fraud", "hacking", "phishing", "telephone fraud" or ...
Old Peak Finance - Making a List

Making a List – Don’t Wait!

The Importance of a Personal Property List When she reached ...
Old Peak Finance - Left Brain, Right Brain

Left Brain, Right Brain

Perhaps the hardest part of being an investor is refereeing ...
Molly Stanifer Fiduciary

Molly Stanifer Hits the Airwaves

I am thrilled to report that our colleague, Molly Stanifer, ...
Simplify your life through financial planning

Simplify Your Life Through Financial Planning

Investing can be exciting, and investing can be complex… it ...

Control What You Can Control — and Don’t Worry About the Rest

Right now, so much of our lives seems out of ...

Help for Aging Parents

A guide to organize their financial and online lives When ...

Raising the Stakes

In our new world, managing your personal finances has totally ...

Financial Planning, Not Fortune Telling

The future has not been written. That's your opportunity. The ...

Growth at All Costs?

Tech Stocks have soared. Be careful before deciding they're the ...

Being Productive

In a stock market crisis, it's a natural reaction to ...
Old Peak Finance - The Paycheck Protection Program: What You Need to Know to Determine If It Is the Right Fit for Your Business

The Paycheck Protection Program: What You Need to Know to Determine If It Is the Right Fit for Your Business

The COVID-19 crisis hit the market hard when stay-at-home and ...
Old Peak Finance - Will You Benefit From the CARES Act? What You Need to Know.

Will You Benefit From the CARES Act? What You Need to Know.

What You Need To Know About RMDs & Recovery Rebates ...
Old Peak Finance - Crisis Management

Crisis Management

Please read on. This is not the advice you may ...
Old Peak Finance - What I Learned From Four Market Crashes

What I Learned From Four Market Crashes

One upside of a receding, gray hairline is that I've ...

Do You Want Fries With That?

McDonald's figured out long ago that, to boost sales, they ...

Tax Moves Before the Ball Drops

Before year-end, we review each client's tax situation to determine ...
Old Peak Finance - Money Sense for the Next Generation

Money Sense for the Next Generation

One beauty of getting older: we have a lot more ...

After Commencement, Time to Commence Saving

You have a child about to graduate college or with ...
Old Peak Finance - Spreading the Wealth, Carefully

Spreading the Wealth, Carefully

If you spend less time thinking about how to give ...

Every New (And Established) Veterinarian Needs to Consider Long-Term Disability Insurance

My colleague, Dan Routh, CFP®, wrote this month’s blog. Please ...

Divorce and Money

Over the past few years we have worked with an ...

Divorce and Money: What We’ve Learned From Clients

Overview Divorce and money can be a combustible mix. Especially ...

Anything Worth Doing …

... will take time, a plan, periodic adjustments and a ...

Uncomfortable Truths

Most of us like to think we're pretty rational. That's ...

Welcome, Welcome, Welcome

The Old Peak family continues to grow. Please welcome three ...

Avoiding the Next Bernie Madoff

Over a decade ago, the most significant financial fraud in ...
Old Peak Finance - A Take of Two Decades

A Tale of Two Decades

We're at the 10th anniversary of the stock market's low ...

Keep It Together

With only 24 hours in a day, most of us ...
Old Peak Finance - What Matters

What Matters

The world is laser-focused on the stock market with its ...

The Sirens’ Song

As the stock market suffers one of its periodic declines, ...

Ya Gotta Believe

A key ingredient to investing success is confidence. Not over-confidence, ...

Apply Pressure, Firmly

One of the smarter people I know - and a ...
Old Peak Finance - Will You Still Need Me, Will You Still Feed Me, When I'm 94?

Will You Still Need Me, Will You Still Feed Me, When I’m 94?

When I get older, losing my hair Many years from ...
Old Peak Finance - Be Safe

Be Safe

Anyone with teenage kids knows how worrisome it is when ...

Planning for the Inevitable

We send this email to about 1,200 people every month. ...
Old Peak Finance - After Commencement, Time to Commence Saving

After Commencement, Time to Commence Saving

If you have a child about to graduate college or ...

New Tax Law: Steps You Can Take Now

As of January 1, anything you make is subject to ...

Creating Income in Retirement

You've spent decades working and saving. Now you're retired, with ...

What, Me Worry?

Lately, we’ve been getting the following question a lot: “With ...
How We Won't Spend Your Money

How We Won’t Spend Your Money

Ever wonder why most financial advisors charge so much, and ...

It’s the Whole, Not the Parts

One key to financial success is keeping the big picture ...

Estate Planning 101

It is easy to put off planning for your estate ...
Old Peak Finance - Do I Really Have to Buy Bonds?

Do I Really Have to Buy Bonds?

We get that question a lot. The argument goes something ...
Old Peak Finance - Your New Year's Revolution

Your New Year’s “Revolution”

That's revolution, not resolution. Here's the thing. Unless you are ...
charitable_giving

Charitable Giving

There may be more efficient ways to give to charity. ...

This Just In …

This just in … Today’s news is extremely unlikely to ...

Starting Early

My colleague, Molly Stanifer, CFP®, wrote this month's blog. Please ...

A Primer on Disability Insurance

Disability insurance is insurance that replaces a portion of your ...
Old Peak Finance - Can You Take the Heat?

Can You Take the Heat?

The US stock market has gone up every year since ...

Medicare: An Introduction

Medicare is the federal health insurance program for people who ...

Avoiding a Financial Eclipse

Plenty of smart, responsible people create a solid financial plan, ...
Old Peak - Do Dividends Pay Dividends? Apple Logo

Do Dividends Pay Dividends?

What do Apple, Google, Berkshire Hathaway, Amazon, Microsoft and Facebook ...

Retirement Plan Options for a Contract Employee

When you are a contract employee and receive 1099 income, ...

The Labrador Retriever Standard

A few days ago, we had to put our 14-year-old ...

Three Types of Taxation

Modify your thinking from the type of account to type of ...
Old Peak Finance - KonMari Your Money

KonMari Your Money

Marie Kondo did not write her bestselling book, The Life-Changing ...
Old Peak Finance - Taxing Times

Taxing Times

If your tax bill was an unpleasant surprise this year, ...
Old Peak Finance - In Praise of a Boring Bracket

In Praise of a Boring Bracket

70 million people filled out a bracket for the NCAA ...
Old Peak Finance - Want Your Kids to Save? Let Me Be the Nag

Want Your Kids to Save? Let Me Be the Nag

Parents know we shouldn't nag our kids. If we want ...

100 Million Thanks

We recently passed a milestone in our business: $100 million ...
Old Peak Finance - Shaken and Stirred

Shaken and Stirred

Bonds, which have not lost money in almost 40 years, ...
Old Peak Finance - Your Annual Report

Your Annual Report

The most important financial goals are long-term. We are all ...

Lessons from the Harvard Endowment

Harvard's disappointing endowment performance has generated plenty of headlines recently. ...
Old Peak Finance - Worth a Thousand Words

Worth a Thousand Words

If a picture is worth a thousand words, here's one ...
Old Peak Finance - 529 College Non-Savings Plan

529 College NON-Savings Plans

If you have a 529 college savings plan through a ...

Life Insurance, Simplified

Most adults will buy life insurance at some stage. But ...

7 Ways to Minimize Tax When You Invest

The thoughtful investor knows that after-tax returns are what matters. ...
passive investing

A Different Way to Invest

We attach a set of slides (find them here 2020-pursuing-a-better-investment-experience_branded-brochure) ...
Old Peak Finance - 529 College Savings Plans

529 College Savings Plans: A Primer

Daniel Lee, a summer intern at Old Peak, was the ...
Old Peak Finance - Helping Our Clients Help Others

Helping Our Clients Help Others

We're big fans of our clients. In particular, we admire ...

Personal Finance for US Expatriates

This paper was authored by Rick Waechter, Old Peak’s founder. ...

Pursuing a Better Investment Experience

Our preferred fund manager, Dimensional Fund Advisors, has a short ...

Trusts: What You Need to Know

Trusts sometimes get a bad rap. Many people believe trusts ...
how to find a fee only certified financial advisor

Do I Need a Financial Advisor?

This paper was authored by Molly Stanifer, who has been ...
Old Peak Finance - When to Take Social Security

When to Take Social Security

Hundreds of books and articles have been written and a ...
Old Peak Finance - Student Loans vs Retirement Savings

Student Loans vs. Retirement Saving

It’s tough to feel secure enough to save when your ...
Old Peak Finance - Inveating is Overrated

Investing is Overrated

People in our industry spend almost all their time on ...

Roth Conversions and Contributions

In 2016, to make a full contribution to a Roth ...

An Annuity Worth Considering (sic)

No, that's not a typo. Admittedly, most annuities advisors push ...
Old Peak Finance - The Hypocritical Oath

The “Hypocritical Oath”

Doctors live by the "Hippocratic Oath", which requires that they ...
Old Peak Finance - The Just Do Something Fallacy

The “Just Do Something” Fallacy

When the markets suffer one of their periodic drops, many ...
Old Peak Finance - A Salve for Bear Markets

A Salve for Bear Markets

If you are in your 60s and don't have a ...

10 Years

10 years. If you invest in the stock market, that's ...
Old Peak Finance - The D Word

The “D” Word

It's a cliché that investors should diversify. Sadly, there are ...

Don’t Miss Old Peak’s Black Friday Doorbusters

Bargains? You want bargains? Have we got bargains! But they're ...
Old Peak Finance - Yogi Berra, Investment Sage

Yogi Berra, Investment Sage

Yogi Berra was widely known for his famous quotes, dubbed ...

Special Delivery

My colleague, Molly Stanifer, just delivered her first child, a ...

Watering Your Income Desert

If you plan to retire well before 70 and have ...
Old Peak Finance - Your Anchor in a Turbulent Sea

Your Anchor in a Turbulent Sea

We've been in a bull market for stocks for six ...
Old Peak Finance - The Demans of Trust

The Demands of Trust

Another series of scandals -- headlined by the apparently rampant ...
Old Peak Finance - The Future is (Always) Cloudy

The Future is (Always) Cloudy

Not convinced it's futile to try predicting the future in ...
Old Peak Finance - Pass on Qwerty

Pass on “Qwerty”

I admit it up front. This is an "eat your ...

Less is More

I frequently see 401(k) and 403(b) plans with a hundred ...

“Unsure-ance”

If you've seen "Groundhog Day", you will remember the insurance ...
Old Peak Finance - The Stock Market Did What

The Stock Market Did What?

In 2014, the stock market was up 10.0%. In 2014, ...
Old Peak Finance - After the Ball Drops

After the Ball Drops

It’s that time of year again — time to make ...
Old Peak Finance - Going Negative

Going Negative

We've just finished another election season filled with attack ads. ...

A Little Turbulence

Given current market volatility, I thought the cartoon above was ...

Take Cover

This summer my wife's new car was rear-ended. She has ...

And Suddenly, the Future Arrives

We just sent our first child off to college. (He's ...
Old Peak Finance - World Cup Investing Lessons

World Cup Investing Lessons

If you were among the 300 million fans who watched ...

At Wall Street, Take a U-Turn

I've just read Flash Boys, the best-seller that details Wall ...
Old Peak Finance - Investor, Selfie Thyself

Investor, Selfie Thyself

At a recent dinner table conversation on selfies, I was ...

An April 15 “Win-Win”

2013 was a great year to invest in the US ...

Translation, Please

I just spent a wonderful week skiing with our two ...

How to Ace College Savings

Saving for college is hard work. But with a few ...

Close Your Eyes and Imagine …

Close your eyes and imagine ... The stock market has ...
Old Peak Finance - Counting Jelly Beans and Investing

Counting Jelly Beans and Investing

Below is the link to a 3-minute video I encourage ...

Suspenders, Life Preserver or Sun Block?

Suspenders, life preserver or sun block?  If you can't afford ...

Invest with a Nobel Winner

On Monday, the Nobel committee awarded its annual prize in ...

The Glossy-Brochure-o-Meter

The next time you are approached by a broker, financial ...

No Good Alternatives?

With stock and bond prices at relatively high levels, individual ...
Old Peak Finance - Cash Isn't Always King

Cash Isn’t Always King

Cash has been a popular investment these past few years. ...

“Trust”-Worthy

Trusts have a reputation as a tool for billionaires only.  ...

How to Buy an Umbrella

Anyone who has lived in New York, Hong Kong, London ...

The IRS Thanks You for Your Donation

If you just wrote the IRS a big check from ...

Safety First

Bonds -- supposedly the "boring" and "safe" part of your ...
Old Peak Finance - ETFs

ETFs: A Floor Wax and a Dessert Topping?

Exchange-traded funds, or ETFs, seem to be the Shimmer of ...

Did Your Investments Double in the Last 10 Years?

Over the ten years from Jan 2003 to Dec 2012, ...

Don’t Look Out Below

Many "experts" are urging investors to re-position their portfolios for ...
Old Peak Finance - Stupid Human (Behavioral) Tricks

Stupid Human (Behavioral) Tricks

A 3-question quiz to start ... Wanda is 31, single, ...

How 1% Gets You Closer to the 1%

Serious academic studies conclude that the best indicator of future ...
Old Peak Finance - Teach Children Well

Teach the Children Well

Financial literacy in the US is low. Independent studies prove ...
Old Peak Finance - Disability Insurance

Disability Insurance: Are You Really Covered?

I don't sell insurance, and often I'll suggest clients cut ...
Old Peak Finance - Trust in the Age of Ponzi Schemes

Trust in the Age of Ponzi Schemes

This past weekend turned up another Ponzi scheme, with a ...
Old Peak Finance - Cool Heads Prevail

Cool Heads Prevail

We've returned to another period of market volatility.  The media ...

This Newsletter Isn’t About the Facebook IPO

Okay, maybe it's a bit about the Facebook IPO ... ...

High-Dividend Stocks: the Latest Over-Hyped Investment

High-dividend stocks are all the rage.  $30 bn net has ...

Tread Carefully with Annuities

Annuities are more popular than ever.  My advice: tread carefully.  ...
Old Peak Finance - Romney, Taxes and You

Romney, Taxes and You

I'm risking a few heated email responses by wading into ...

Trust the Market, Not the Marketers

It's been a tough decade for investors in US stocks. ...

Don’t Get Emotional

In investing, human emotions can be your own worst enemy. ...

A Goal Without a Plan is Just a Wish

"A goal without a plan is just a wish."-- Antoine ...

Estate Planning 1-2-3

It’s easy to put off estate planning issues, because it ...

Your Financial Stress Test

The market’s recent extreme swings offered investors a great chance ...

The Really Important Financial News

The media is having a field day with the latest ...

The One Thing to Know About Taxes and Investing

Taxes can have a huge impact on investment returns.  The ...
passive investing

What History Teaches an Investor

I recently began offering Dimensional funds for Old Peak clients. ...
Old Peak Finance - It's All in the Mix

It’s All in the Mix

I’ve previously written that low-cost, passively managed mutual funds out-perform high-fee, ...

Psst … Hot Investing Tip

I’ve got a way to increase your retirement savings by ...

We Aren’t the World

I’m not being unpatriotic, but the US is slowly and ...
Old Peak Finance - Infalation Protection

Inflation Protection: Who Needs It?

All of a sudden there’s a lot of talk about ...
Old Peak Finance - Trust in Time, Not Timing

Trust in Time, Not Timing

"Trust in time, not timing."  I didn’t coin that phrase, ...
Old Peak Finance - 2011 Forecasts: Don't Be Fooled

2011 Forecasts: Don’t Be Fooled

If you’re like me, you will have seen dozens of ...

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