Blog - Old Peak Finance

Our blog reflects our values

four core beliefs

Personalize

Your plan should be unique to you

Plan

Plan to achieve your financial goals

prioritize

Your interests always come first

Diversify

Your investments should be diversified in low-fee funds

Featured On The Blog

How We Won’t Spend Your Money

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

How We Won’t Spend Your Money Read More >

Avoiding the Next Bernie Madoff

Just over a decade ago, the largest financial fraud in …

Avoiding the Next Bernie Madoff Read More >

Help for Aging Parents

A guide to organize their financial and online lives When …

Help for Aging Parents Read More >

New Arrivals – Good News Comes in 3’s

I am pleased to announce three new arrivals to Old …

New Arrivals – Good News Comes in 3’s Read More >

Simplify your life through financial planning

Simplify your life through financial planning

Investing can be exciting, investing can be complex… it may …

Simplify your life through financial planning Read More >

Help for Aging Parents

A guide to organize their financial and online lives When …

Help for Aging Parents Read More >

Raising the Stakes

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

Raising the Stakes Read More >

Financial Planning, Not Fortune Telling

The future has not been written. That’s your opportunity. The …

Financial Planning, Not Fortune Telling Read More >

Growth at All Costs?

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

Growth at All Costs? Read More >

Molly Stanifer Hits the Airwaves

Congratulations to our colleague, featured in Schwab’s current ad campaign …

Molly Stanifer Hits the Airwaves Read More >

Being Productive

It’s not easy. Here are three (plus one) suggestions… In …

Being Productive Read More >

Are Your Student Loans Eligible for Relief Under the CARES Act?

Congress recently passed the Coronavirus Aid, Relief, and Economic Security …

Are Your Student Loans Eligible for Relief Under the CARES Act? Read More >

Crisis Management

Please read on. This is not the advice you may …

Crisis Management Read More >

What I Learned From Four Market Crashes

One upside of a receding, gray hairline is that I’ve …

What I Learned From Four Market Crashes Read More >

Do You Want Fries With That?

McDonald’s figured out long ago that, to boost sales, they …

Do You Want Fries With That? Read More >

Tax Moves Before the Ball Drops

Before year-end, we review each client’s tax situation to determine …

Tax Moves Before the Ball Drops Read More >

Money Sense for the Next Generation

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

Money Sense for the Next Generation Read More >

Spreading the Wealth, Carefully

If you spend less time thinking about how to give …

Spreading the Wealth, Carefully Read More >

Divorce and Money

Over the past few years we have worked with an …

Divorce and Money Read More >

Divorce and Money: What We’ve Learned From Clients

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

Divorce and Money: What We’ve Learned From Clients Read More >

Congrats, Katie Villegas, CFP®

I’m thrilled to announce that our colleague, Katie Villegas, is …

Congrats, Katie Villegas, CFP® Read More >

Anything Worth Doing …

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

Anything Worth Doing … Read More >

Uncomfortable Truths

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

Uncomfortable Truths Read More >

Welcome, Welcome, Welcome

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

Welcome, Welcome, Welcome Read More >

Avoiding the Next Bernie Madoff

Just over a decade ago, the largest financial fraud in …

Avoiding the Next Bernie Madoff Read More >

A Tale of Two Decades

We’re at the 10th anniversary of the stock market’s low …

A Tale of Two Decades Read More >

Keep It Together

With only 24 hours in a day, most of us …

Keep It Together Read More >

What Matters

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

What Matters Read More >

The Sirens’ Song

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

The Sirens’ Song Read More >

Ya Gotta Believe

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

Ya Gotta Believe Read More >

Left Brain, Right Brain

Perhaps the hardest part of being an investor is refereeing …

Left Brain, Right Brain Read More >

Apply Pressure, Firmly

One of the smarter people I know – and a …

Apply Pressure, Firmly Read More >

Be Safe

Anyone with teenage kids knows how worrisome it is when …

Be Safe Read More >

Planning for the Inevitable

We send this email to about 1,200 people every month. …

Planning for the Inevitable Read More >

The Impact of Your Investing

My colleague, Katie Villegas, wrote the following. Please enjoy. – …

The Impact of Your Investing Read More >

New Tax Law: Steps You Can Take Now

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

New Tax Law: Steps You Can Take Now Read More >

Creating Income in Retirement

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

Creating Income in Retirement Read More >

What, Me Worry?

Lately, we’ve been getting the following question a lot: “With …

What, Me Worry? Read More >

How We Won’t Spend Your Money

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

How We Won’t Spend Your Money Read More >

It’s the Whole, Not the Parts

One key to financial success is keeping the big picture …

It’s the Whole, Not the Parts Read More >

Estate Planning 101

It is easy to put off planning for your estate …

Estate Planning 101 Read More >

Do I Really Have to Buy Bonds?

We get that question a lot. The argument goes something …

Do I Really Have to Buy Bonds? Read More >

Your New Year’s “Revolution”

That’s revolution, not resolution. Here’s the thing. Unless you are …

Your New Year’s “Revolution” Read More >

Charitable Giving

Americans give hundreds of billions of dollars to charity each …

Charitable Giving Read More >

This Just In …

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

This Just In … Read More >

Starting Early

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

Starting Early Read More >

A Primer on Disability Insurance

Disability insurance is insurance that replaces a portion of your …

A Primer on Disability Insurance Read More >

Can You Take the Heat?

The US stock market has gone up every year since …

Can You Take the Heat? Read More >

Medicare: An Introduction

Medicare is the federal health insurance program for people who …

Medicare: An Introduction Read More >

Avoiding a Financial Eclipse

Plenty of smart, responsible people create a solid financial plan, …

Avoiding a Financial Eclipse Read More >

Do Dividends Pay Dividends?

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

Do Dividends Pay Dividends? Read More >

Retirement Plan Options for a Contract Employee

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

Retirement Plan Options for a Contract Employee Read More >

The Labrador Retriever Standard

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

The Labrador Retriever Standard Read More >

Three Types of Taxation

Modify your thinking from the type of account to type of …

Three Types of Taxation Read More >

KonMari your money

Marie Kondo did not write her bestselling book, The Life-Changing …

KonMari your money Read More >

Taxing Times

If your tax bill was an unpleasant surprise this year, …

Taxing Times Read More >

In Praise of a Boring Bracket

70 million people filled out a bracket for the NCAA …

In Praise of a Boring Bracket Read More >

Want Your Kids to Save? Let Me Be the Nag

Parents know we shouldn’t nag our kids. If we want …

Want Your Kids to Save? Let Me Be the Nag Read More >

100 Million Thanks

We recently passed a milestone in our business: $100 million …

100 Million Thanks Read More >

Shaken and Stirred

Bonds, which have not lost money in almost 40 years, …

Shaken and Stirred Read More >

Your Annual Report

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

Your Annual Report Read More >

Lessons from the Harvard Endowment

Harvard’s disappointing endowment performance has generated plenty of headlines recently. …

Lessons from the Harvard Endowment Read More >

Worth a Thousand Words

If a picture is worth a thousand words, here’s one …

Worth a Thousand Words Read More >

529 College NON-Savings Plans

If you have a 529 college savings plan through a …

529 College NON-Savings Plans Read More >

Life Insurance, Simplified

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

Life Insurance, Simplified Read More >

7 Ways to Minimize Tax When You Invest

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

7 Ways to Minimize Tax When You Invest Read More >

A Different Way to Invest

We attach a set of slides (find them here) that …

A Different Way to Invest Read More >

529 College Savings Plans: A Primer

Daniel Lee, a summer intern at Old Peak, was the …

529 College Savings Plans: A Primer Read More >

Helping Our Clients Help Others

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

Helping Our Clients Help Others Read More >

Personal Finance for US Expatriates

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

Personal Finance for US Expatriates Read More >

Pursuing a Better Investment Experience

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

Pursuing a Better Investment Experience Read More >

Trusts: What You Need to Know

Trusts sometimes get a bad rap. Many people believe trusts …

Trusts: What You Need to Know Read More >

Do I Need a Financial Advisor?

This paper was authored by Molly Stanifer, who has been …

Do I Need a Financial Advisor? Read More >

When to Take Social Security

Hundreds of books and articles have been written and a …

When to Take Social Security Read More >

Student Loans vs. Retirement Saving

It’s tough to feel secure enough to save when your …

Student Loans vs. Retirement Saving Read More >

Investing is Overrated

People in our industry spend almost all their time on …

Investing is Overrated Read More >

Roth Conversions and Contributions

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

Roth Conversions and Contributions Read More >

An Annuity Worth Considering (sic)

No, that’s not a typo. Admittedly, most annuities advisors push …

An Annuity Worth Considering (sic) Read More >

The “Hypocritical Oath”

Doctors live by the “Hippocratic Oath”, which requires that they …

The “Hypocritical Oath” Read More >

The “Just Do Something” Fallacy

When the markets suffer one of their periodic drops, many …

The “Just Do Something” Fallacy Read More >

A Salve for Bear Markets

If you are in your 60s and don’t have a …

A Salve for Bear Markets Read More >

10 Years

10 years. If you invest in the stock market, that’s …

10 Years Read More >

The “D” Word

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

The “D” Word Read More >

Don’t Miss Old Peak’s Black Friday Doorbusters

Bargains? You want bargains? Have we got bargains! But they’re …

Don’t Miss Old Peak’s Black Friday Doorbusters Read More >

Yogi Berra, Investment Sage

Yogi Berra, the Yankee great who recently passed away, was …

Yogi Berra, Investment Sage Read More >

Special Delivery

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

Special Delivery Read More >

Watering Your Income Desert

If you plan to retire well before 70 and have …

Watering Your Income Desert Read More >

Your Anchor in a Turbulent Sea

We’ve been in a bull market for stocks for six …

Your Anchor in a Turbulent Sea Read More >

The Demands of Trust

Another series of scandals — headlined by the apparently rampant …

The Demands of Trust Read More >

The Future is (Always) Cloudy

Not convinced it’s futile to try predicting the future in …

The Future is (Always) Cloudy Read More >

Pass on “Qwerty”

I admit it up front. This is an “eat your …

Pass on “Qwerty” Read More >

Less is More

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

Less is More Read More >

“Unsure-ance”

If you’ve seen “Groundhog Day”, you will remember the insurance …

“Unsure-ance” Read More >

The Stock Market Did What?

In 2014, the stock market was up 10.0%. In 2014, …

The Stock Market Did What? Read More >

After the Ball Drops

It’s that time of year again — time to make …

After the Ball Drops Read More >

Going Negative

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

Going Negative Read More >

A Little Turbulence

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

A Little Turbulence Read More >

Take Cover

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

Take Cover Read More >

And Suddenly, the Future Arrives

We just sent our first child off to college. (He’s …

And Suddenly, the Future Arrives Read More >

World Cup Investing Lessons

If you were among the 300 million fans who watched …

World Cup Investing Lessons Read More >

At Wall Street, Take a U-Turn

I’ve just read Flash Boys, the best-seller that details Wall …

At Wall Street, Take a U-Turn Read More >

Investor, Selfie Thyself

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

Investor, Selfie Thyself Read More >

An April 15 “Win-Win”

2013 was a great year to invest in the US …

An April 15 “Win-Win” Read More >

Translation, Please

I just spent a wonderful week skiing with our two …

Translation, Please Read More >

How to Ace College Savings

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

How to Ace College Savings Read More >

Close Your Eyes and Imagine …

Close your eyes and imagine … The stock market has …

Close Your Eyes and Imagine … Read More >

Counting Jelly Beans and Investing

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

Counting Jelly Beans and Investing Read More >

Suspenders, Life Preserver or Sun Block?

Suspenders, life preserver or sun block?  If you can’t afford …

Suspenders, Life Preserver or Sun Block? Read More >

Invest with a Nobel Winner

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

Invest with a Nobel Winner Read More >

The Glossy-Brochure-o-Meter

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

The Glossy-Brochure-o-Meter Read More >

No Good Alternatives?

With stock and bond prices at relatively high levels, individual …

No Good Alternatives? Read More >

Cash Isn’t Always King

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

Cash Isn’t Always King Read More >

“Trust”-Worthy

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

“Trust”-Worthy Read More >

How to Buy an Umbrella

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

How to Buy an Umbrella Read More >

The IRS Thanks You for Your Donation

If you just wrote the IRS a big check from …

The IRS Thanks You for Your Donation Read More >

Safety First

Bonds — supposedly the “boring” and “safe” part of your …

Safety First Read More >

ETFs: A Floor Wax and a Dessert Topping?

Aficionados of Saturday Night Live’s early years may remember a …

ETFs: A Floor Wax and a Dessert Topping? Read More >

Don’t Look Out Below

Many “experts” are urging investors to re-position their portfolios for …

Don’t Look Out Below Read More >

Stupid Human (Behavioral) Tricks

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

Stupid Human (Behavioral) Tricks Read More >

How 1% Gets You Closer to the 1%

Serious academic studies conclude that the best indicator of future …

How 1% Gets You Closer to the 1% Read More >

Teach the Children Well

Financial literacy in the US is low. Independent studies prove …

Teach the Children Well Read More >

Disability Insurance: Are You Really Covered?

I don’t sell insurance, and often I’ll suggest clients cut …

Disability Insurance: Are You Really Covered? Read More >

Trust in the Age of Ponzi Schemes

This past weekend turned up another Ponzi scheme, with a …

Trust in the Age of Ponzi Schemes Read More >

Cool Heads Prevail

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

Cool Heads Prevail Read More >

Tread Carefully with Annuities

Annuities are more popular than ever.  My advice: tread carefully.  …

Tread Carefully with Annuities Read More >

Romney, Taxes and You

I’m risking a few heated email responses by wading into …

Romney, Taxes and You Read More >

Trust the Market, Not the Marketers

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

Trust the Market, Not the Marketers Read More >

Don’t Get Emotional

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

Don’t Get Emotional Read More >

A Goal Without a Plan is Just a Wish

“A goal without a plan is just a wish.”— Antoine …

A Goal Without a Plan is Just a Wish Read More >

Estate Planning 1-2-3

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

Estate Planning 1-2-3 Read More >

Your Financial Stress Test

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

Your Financial Stress Test Read More >

The Really Important Financial News

The media is having a field day with the latest …

The Really Important Financial News Read More >

The One Thing to Know About Taxes and Investing

Taxes can have a huge impact on investment returns.  The …

The One Thing to Know About Taxes and Investing Read More >

What History Teaches an Investor

I recently began offering Dimensional funds for Old Peak clients. …

What History Teaches an Investor Read More >

It’s All in the Mix

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

It’s All in the Mix Read More >

Psst … Hot Investing Tip

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

Psst … Hot Investing Tip Read More >

We Aren’t the World

I’m not being unpatriotic, but the US is slowly and …

We Aren’t the World Read More >

Inflation Protection: Who Needs It?

All of a sudden there’s a lot of talk about …

Inflation Protection: Who Needs It? Read More >

Trust in Time, not Timing

“Trust in time, not timing.”  I didn’t coin that phrase, …

Trust in Time, not Timing Read More >

2011 Forecasts: Don’t Be Fooled

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

2011 Forecasts: Don’t Be Fooled Read More >

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