Stress Testing vs. Market Timing
I’ve gotten feedback on the Portfolio Stress Testing that I offer to my financial advising customers. Much of it is good, but some wonder if I’m being true to all of my principles. “John?” my clients tell me, “you recommend against market timing, yet your Portfolio Stress Testing approach [...]

Portfolio Stress Test
I’ve recently debuted a new tool in my financial planning business. I call it the Portfolio Stress Test. You’re probably familiar with the idea of stress tests in the health arena. Maybe your doctor has put you on a treadmill to see how your body reacts to a variety of [...]

Turning the Lights On
Our culture is very safety-conscious. We buckle up for safety. Food packages let us know whether the product was made in a factory that also processes nuts. Our hot cups of coffee carry large warnings to let us know that the hot coffee is, in fact, hot. I [...]