The Consulate Journal: Our Financial Blog

The Consulate Journal is our written blog, dedicated to educating our audience on a wide range of topics.  Sometimes we’ll be sharing our financial planning philosophies, and other times sharing our views of money and its place in our lives.  Most often, we’ll be sharing specific and actionable financial planning strategies that we use with our clients. 

Search Consulate Journal

Working Beyond the Age of 70

March 12, 2019

There are many benefits to working beyond the age of 70, the greatest of which is that those who work later in life—and enjoy what they do—often experience good health. If, however, a person does not enjoy the work that…

Read More

Riding Out the Market by Understanding Your Stocks

February 26, 2019

If you automatically calculate how much money you “lose” when the stock market goes down, then you may require a psychological reset if you plan to remain invested in the market. Let’s assume that you bought a house for $300,000…

Read More

Is It the Chicken or the Egg?

February 12, 2019

Which came first, the chicken or the egg? This age-old question can be adapted to many questions on origin, including financial planning. Financial planning’s “chicken and egg” question is: Is it about saving or spending less that brings forth financial…

Read More

Home Equity Credit Line: An Invaluable Tool

January 29, 2019

For many years now, I have been promoting one of the greatest and most invaluable (but underappreciated) financial planning tools—the home equity credit line (HECL). An HECL is an agreed-upon balance that you can borrow from at your own choosing…

Read More

2018 End of Year

January 8, 2019
Read More

Understanding Stocks

January 2, 2019

At the time this article was written, the U.S. stock market had just lost 12 percent in the preceding 2.5 months. This type of market decline causes a serious amount of angst and worry among stock investors. Watching their account…

Read More

Financial Planning for the Unexpected Accident

December 18, 2018

A broken sternum. It turns out that there is a significant amount of financial planning that results from breaking your sternum. One week after my wedding (and the day before I was to leave for my honeymoon), my mother called…

Read More