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Is This You?

Is This You?

Most people have not planned for retirement.    Is this you?   —– Yet they all want to retire —– And if they have planned? IT IS FAR LESS THAN WHAT WILL BE NEEDED TO REPLACE THEIR INCOME My Father. Yes, my own Dad. Whom I loved so very much,...
What is Risk Pooling?

What is Risk Pooling?

“Central Banks are going all in”   Negative rates Substantial quantitative easing in Europe and Japan Presents long-term risks-globally   “Collapse of commodities followed by a decent recovery”   “Bond and Stock markets...
Falling From the Sky

Falling From the Sky

As I looked up into the sky, what I saw was a small white ball.  I was anxious, nervous, and excited all at the same time.  That white ball was the pilot chute behind my daughter’s parachute. This was her 16th birthday. She had talked about this experience for months,...