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Category: The Financial Services Industrial Complex

Couples and Financial Planning: Of Communication Flows and Gender-Neutrality

Seth MacFarlane made a lot of jokes last night during the Oscars that had a lot of people talking. The consensus emerging among the talkers not pleased with Mr. MacFarlane’s banter was that, yes, he was juvenile but, above all, very sexist, in that the world in which his jokes […]

Top 10 Determinants of Your Current Overall Numeric Financial Health

Time and time again I read that the Internet loves Top 10 lists. So in the interests of having more lovable things in the world, here ya go:  Top 10 Determinants of Your Current Overall Numeric Financial Health 1. Your Money-Out has always been considerably less than your Money-In. 2. […]

Defined Benefit vs. Defined Contribution Retirement Plans: Why 401k Plans are Not Your Father’s Oldmobile

Making the rounds the past 24 hours is a piece by Atrios in USA Today called “401Ks are a Disaster.” Here are the first two paragraphs: We need an across the board increase in Social Security retirement benefits of 20% or more. We need it to happen right now, even […]

The Heartbreak of Student Debt

As a financial planner, I sometimes hear really sad stories. And sometimes I hear stories that are so . . . repugnant, let’s say . . . that I feel them in my gut and it takes my breath away and leaves a big pit in my stomach. On the […]

Why Vanguard is the Best All-Around Financial Services Provider for Most Folks

When I was younger I had all my dentistry done at the U.C. San Francisco School of Dentistry. I did that because the price was right, and because I had more time on my hands than money. Sitting in that chair, with my mouth propped open and dressed with dams […]