by Jeff Baker | Apr 9, 2026 | Blog
Many people think the biggest risk with money is losing it. A bad investment. A market crash. A bet that doesn’t pay off. But what if the most expensive financial decision isn’t a bad choice — it’s no choice at all? That’s what nearly a century...
by Jeff Baker | Apr 2, 2026 | Blog
It rarely starts calmly. A headline breaks. Markets react. Another update follows—then another. Before long, the story feels like it’s shifting by the hour. And with every new development, there’s that quiet pressure in the background: Should I be doing something...
by Jeff Baker | Mar 12, 2026 | Blog
Many retirement plans are built on a quiet assumption: that spending stays roughly the same from year one to year thirty. It sounds reasonable. But research suggests it’s not how retirement actually works — and planning around that assumption might create more...
by Jeff Baker | Mar 5, 2026 | Blog
If you scrolled through your news feed recently, the headlines felt loud. Stocks dropped. Gold soared. Tariffs were struck down, reinstated under a different authority, then increased again. It felt abrupt. It felt messy.¹ And if you felt unsettled watching it unfold,...
by Jeff Baker | Mar 5, 2026 | Blog
Mortgage rates have risen above 7%, leaving many buyers feeling like a reasonable mortgage is out of reach. While current rates look high compared to the ultra-low rates of the past decade, they aren’t outrageous from a historical perspective. The good news is...
