Everything you spend money on is an investment. But some investments pay off longer than others. If you buy a new cell phone, a year later you have … an old cell phone that you’re probably thinking about upgrading. The same holds true for buying new clothes, a new car, or even a bigger house. […]

Executive Summary Most people think their portfolio is diversified because it owns many investments. Keith Demetriades explains why owning different investments isn’t the same as having different return drivers, why a diversified portfolio can still fall in major downturns, and what genuine diversification for retirement actually means.   See an in-depth exploration of this topic […]

When families sit down to design their legacy plans, charitable giving frequently emerges as a core value. Setting clear philanthropic goals and supporting them with a defined giving strategy can create an ongoing, sustainable impact that improves your family and your community for generations to come. But once your family has determined the people and […]

Executive Summary Buy-and-hold investing can be useful for building retirement savings, but it wasn’t designed for living off a portfolio. Keith Demetriades explains why a static allocation built on day one of retirement becomes outdated, and what a retirement plan actually needs to look like when income, taxes, healthcare, and market conditions are constantly evolving. […]