Monthly Newsletter

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December 2020

• Are You Tall Enough to Invest?
• Being Warren Buffett - For Your Kids
• Healthy Spending Today = Better Spending Tomorrow
• The Last Thing to Do Before Year-End

December-2020-WestPac-Newsletter.pdf

November 2020

• Block Out the Noise: It's All About Income
• The DIY Annuity: It May Be Possible, Until It Isn't
• Saving to Pay Off the Mortgage
• Getting Then Giving, or Is It Giving Then Getting?

November-2020-WestPac-Newsletter.pdf

October 2020

• Play the Center Square - and Dominate!
• 401(k) Loans and Unemployment - a Bad Combo
• Deposits: How Magic Happens!
• The Household CFO: Efficient or Risky?

October-2020-WestPac-Newsletter.pdf

September 2020

• The View From Mount Stupid
• Non-Guaranteed Assets: In Theory and Practice
• Has the Pandemic Locked You Out of a HELOC?
• The Blue Zone Financial Professional

September-2020-WestPac-Newsletter.pdf

August 2020

• Living Prudently in the Now
• A One-Club Suggestion for Personal Finance
• Remote Work, Nexus, and Jock Taxes
• Technology Dilemma: When is Easier Better?

August-2020-WestPac-Newsletter.pdf

July 2020

• Why Your "Number" is Really Two Numbers
• Financial Insight From the Pandemic: Many Americans Didn't Make Their Beds
• The Cares Act: Yes or No to CRDs or RMDs
• The $10 Million American Life

July-2020-WestPac-Newsletter.pdf

June 2020

• Surviving the Black Swan
• Will You Lose Your Rings in Retirement?
• A Real-Life Risk Tolerance Test
• Not Having Insurance Makes Me More Careful (WHAT?!)

June-2020-WestPac-Newsletter.pdf

May 2020

• Balancing Efficiency and Resilience
• Cash Values for Retirement Income: A Case Study
• The Special Needs Trust: A Hopeful Answer to Tough Questions
• The Actuaries Have Spoken: TWD is Risky!

May-2020-WestPac-Newsletter.pdf

April 2020

• The Nastiest, Hardest Problem in Finance
• The Illusion of "Defeased Debt"
• Backhoes and Life Insurance: When "Simple" Becomes "Simplistic"
• A Retirement Investment that Yields 3X Happiness

April-2020-WestPac-Newsletter.pdf

March 2020

• Pragmatic Visualization
• The Secure Act Changes IRAs
• Interest Rates: Is the Long Term Trend Lower?
• The Irrational Exuberance in Men's Underwear

March-2020-WestPac-Newsletter.pdf

February 2020

• A Sophisticated Perspective on Cash
• The Trustee for Your Estate Plan: Choose Wisely
• Should You Pay Off Your Mortgage Before Retirement?
• Why You'll Select the Aardvark Account

February-2020-WestPac-Newsletter.pdf

January 2020

• Eustress to Relieve Money Stress
• Real ID and Other Important Documents
• Gradually, Then Suddenly - In Cars
• The Virtues of Prosperity

January-2020-WestPac-Newsletter.pdf

December 2019

• Making a List, Checking It Twice
• Is Now...Could Be Later...Might Not
• When You're Saving, Save Room for Dessert
• Have You Been "Framed" About Retirement?

December-2019-WestPac-Newsletter.pdf

November 2019

• The Desirable Borrower
• Keeping it Real
• Individual Disability Insurance: A Must-Have for "Specialized Incomes"
• A Bunch of Good Reasons to Give

November-2019-WestPac-Newsletter.pdf

October 2019

• Finding a T-Shirt That Fits
• Don't Be a Test Pilot!
• The Unfortunate Phenomenon of Gray Divorce
• The After-50 Entrepreneur

October-2019-WestPac-Newsletter.pdf

September 2019

• Is Family Caregiving in Your Future?
• Intentional Inheritance
• Cash Value Loans? Gotcha!
• Don't Compartmentalize Your Retirement Plans

September-2019-WestPac-Newsletter.pdf

August 2019

• 8000 Days: Imagine the Possibilities
• Don't Blame the Coffee
• How You Doin'? (A Self-Assessment)
• FOMO and FOL: the Same but Different

August-2019-WestPac-Newsletter.pdf

July 2019

• Playing Moneyball with Life Insurance
• Insight: High Income ≠ Financial Savvy
• Dynamic Principles for a Good Year
• The Duty of Every American: Archiving Tax Records

July-2019-WestPac-Newsletter.pdf

June 2019

• Do You Believe? A Fix for "Dumb Money"
• Why Are We Underprepared for Widowhood?
• Reality Check: the Delusion of an Athletic Scholarship
• How Life Insurance Could Extend Your Life

June-2019-WestPac-Newsletter.pdf

May 2019

• How Savings Protect Your Investments
• The Chart of The Century
• Spending: The House Drives Everything
• More Money or More Time?

May-2019-WestPac-Newsletter.pdf

April 2019

• Stupid Rules and Principles
• Section 199A: Unintended Consequences for Small Business Owners
• Pirates and Password Retrieval
• The Framing of Tax Refunds

April-2019-WestPac-Newsletter.pdf

March 2019

• A Blast From The Past (As In 1999) 
• "The Bank of Mom & Dad" vs. Retirement
• The First Life Insurance Decision 
• 4 Percent Consols: The Oldest "Active" Debt

March-2019-WestPac-Newsletter.pdf

February 2019

• Planning for Leisure Before Retirement
• Debunking a "Flat Earth" Theory
• Can You Adjust Your Biological Age
• Premium Financing: Leveraging for Life Insurance

February-2019-WestPac-Newsletter.pdf 

January 2019

• The Others in Your Retirement
• Your 2018 Tax Return: Will You Pay More or Less?
• Cover Your (Small Business) Assets
• IRA. 401(K). YOYO.

January-2019-WestPac-Newsletter.pdf

December 2018

• A Retreat to Move Forward
• Easing Off Accelerated Debt Reduction
• Getting to "AHA" with Whole Life Insurance
• Can Imaginary Numbers Effect Real Change?

December-2018-WestPac-Newsletter.pdf

November 2018

• Getting On The Right Track
• To Buy or Rent? Your Results May Vary
• Smart Giving
• Remembering What You Already Forgot

November-2018-WestPac-Newsletter.pdf

October 2018

• The Deception of the Ledger
• Life After Driving: An Overlooked Phase of Retirement
• In America, Anyone Can Borrow Like a President (But Should They?)
• Who's In Your Dunbar Number?

October-2018-WestPac-Newsletter.pdf

September 2018

• The Antidote for Irritationality
• Keep Saving "Alive" During A Disability
• The Backstory for "Buying The Farm"
• Empty Nest Catch-Up Plans

September-2018-WestPac-Newsletter.pdf

August 2018

• Is It Time to Flip the Script?
• Keeping Permanent Life Insurance Permanent
• College Knowledge: 136 Names for Student Loans
• That's Funny (And True).

August-2018-WestPac-Newsletter.pdf

July 2018

• On Fire For Retirement
• Paid-Up Whole Life Insurance- With Just One Payment
• Are Your Vital Records Certified?
• Business Built to Survive Creative Destruction

July-2018-WestPac-Newsletter.pdf

March 2018

• Re-Inventing Personal Finance
• Auto-Enrollment: A "Nudge" Toward More Debt?
• "Too Late Smart" About Life Insurance?
• Three Steps to Preventing The Lost Estate Plan

March-2018-WestPac-Newsletter.pdf

February 2018

• Who Passes Up a 400 Percent Return?
• The Tension between Opportunities and Guarantees
• Tax Management Can Be a Financial Emergency

February-2018-WestPac-Newsletter.pdf

January 2018

• College Education v. Debt and Savings
• Unintended Consequences: 401(k)s Clobber the Best Savers
• Term Life Insurance: It's Not So Simple

January-2018-WestPac-Newsletter.pdf

Newsletters prior to 2018 have been archived.