Aptus Financial Blog
Every so often, we put up an Aptus Financial blog post on subjects related to financial planning, budgeting, debt planning and related topics.
Follow me on Facebook to get updates as I post them.
When I started Aptus five years ago, I asked some simple questions: Why can’t young people get financial planning? Read More
There is no shortage of financial credentials, and the fact is that most investors have no clue about what they mean. Credentials are important – they are a way to differentiate or “signal” special expertise and quality. Read More
Clients find that our plans are detailed and comprehensive, particularly when compared to experience with other planners, yet our price for financial planning is a small fraction of the typical planning fee for the first year. Read More
For the average investor, myself included, the best long-run investment strategy to create wealth is a passive strategy. In contrast, active managers attempt to “beat the market” and earn what investment professionals call “alpha.” They do this in a couple of ways. Read More
I want anyone to be able to access financial planning. To understand my goal it is first important to understand the industry. Let’s be clear. Financial planning is an industry. It has its own designation, the CFP (which I have), and a cadre of thousands of people who offer this service. Read More
I think a couple of factors have made me become passionate about financial planning and investment advising. The first dates back to graduate school where I learned from people way smarter than I that for the average person the optimal investment strategy is to buy and hold the “market” portfolio. Read More
During my adult life, money got very complicated. I can almost remember the exact day it occurred to me. I was sitting with a well-educated client and her well-educated husband who, by their own admission, were absolutely clueless about how to handle their money. Read More