Deliberate Money Moves
129 episodes - English - Latest episode: about 2 months ago -After 25 years in the corporate world, managing money for some of the country's largest foundations, endowments, and corporations, I was ready for a change. In my experience, family financial challenges always seemed to be an afterthought for Wall Street. I wanted to end the destructive risks taken as a result of false and misleading statements that come out of the financial world — instead offering a path for individuals and families to obtain a balance between financial aspirations, resources, and accepted risks. If done right, financial planning should help you use your resources to meet your life goals. But for your plan to support those goals, no matter what season of life you're in, you need to study the big picture.
What financial situation or environment is challenging you right now? If you don't quite have the answer or don't want to say it out loud just yet, that's okay. I do, however, urge you to start at episode one and hit play. Together we will navigate and translate your financial state so you can take purposeful action with your money based on your specific needs. We will uncover your true values and motivations to develop clear goals that will ultimately help you move forward, and guide you, eliminating any unnecessary anxiety. It's time to find a quiet spot, take a deep breath, grab a pen and a piece of paper, and join me your, thinking partner. Because together, we will point you in a direction to live your best financial life and make Deliberate Money Moves.
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Episodes
REPLAY - Portfolio Management Done Right
March 08, 2024 18:23 - 12 minutes - 17 MBJoin me in this episode of Deliberate Money Moves where we discuss what it means to have a successful stock portfolio, what is required to make your portfolio excel and how to stay on track. It’s time to stop sabotaging gains and earn a positive return! Previously Published Jan 29, 2020
How to Save Time on Your Finances
February 23, 2024 18:18 - 12 minutes - 17.1 MBWhen it comes to assessing and changing your financial life, what’s holding you back? Is it finally weeding things out and making the change? Is it the inertia or that you find yourself falling back into old habits? Join me in this episode of Deliberate Money Moves where we discuss what habits to break and how to commit to the change so you can spend less time and find more value in your finances! Previously Published Feb 18, 2020
REPLAY - How to Avoid Putting All Your Eggs in One Basket
February 09, 2024 02:08 - 12 minutes - 22.8 MBThe phrase in the title of this post is said to have been first used in the novel “Don Quixote,” and is written as follows, “It is the part of a wise man to keep himself today for tomorrow, and not venture all his eggs in one basket.” The message, of course, is that it can be quite risky to keep all your valuables in one place. Join me in this episode of Deliberate Money Moves where we discuss the best way to build an Investment Portfolio. Previously Published Mar 09, 2020
REPLAY - Why Volatility is Good
January 26, 2024 01:21 - 10 minutes - 12.1 MBHigher risk must be accompanied by higher potential rewards. To get that, we have to accept more volatility and that’s what the stock market provides. Join me in this episode of Deliberate Money Moves where we discuss that even a well-diversified portfolio will move up and down with the markets and learn how to structure a portfolio so we can live within the good times and the bad! Previously Published on May 8, 2020
REPLAY - Faith In The Future
January 11, 2024 22:06 - 8 minutes - 1.66 MBAny successful long-term investment strategy requires faith in the future. Join me in this episode of Deliberate Money Moves where we walk through “what” we should have faith in and why. We also discuss the recurring argument that “this time it’s different.” As a Danville Financial Advisor, I wrap up with the good news that once we have faith in the future, investing gets a lot easier! Previously Published on May 24, 2020
REPLAY - What is Financial Planning?
December 28, 2023 18:52 - 20 minutes - 7.1 MBAre you confused by all the terms my industry throws around? Frankly, I am too. And you want to know why? It’s because we professionals use these terms differently – we mean different things. Join me in this episode of Deliberate Money Moves where I describe my Financial Planning process using everyday language so you can understand and maybe apply something you learn here. As a Bay Area Financial Planner, I’m dedicated to helping you live your Best Financial Life! Previously published o...
REPLAY - 7 Mistakes Investors Make
December 14, 2023 20:57 - 9 minutes - 3.36 MBEver wonder what the most common mistakes are that investors make (and how to avoid them)? Here’s a hint: they have nothing to do with specific strategies and everything to do with our humanity. Join me on this episode of Deliberate Money Moves as we explore 7 mistakes that all investors struggle with. But don’t fret, there is a simple (but not easy) solution! Previously published on Jul 21, 2020
REPLAY - Rely on the Wisdom of the Crowd
December 01, 2023 00:32 - 8 minutes - 1.43 MBEver wonder why your fund manager can’t beat the markets? There’s a simple reason and the answer may entirely change the way you think about your investment strategy. Join me on this episode of Deliberate Money Moves as we explore a better way to create and manage your investment portfolio. Previously published on Aug 18, 2020
REPLAY - Protect Your Assets by Understanding Your Exposure
November 17, 2023 04:55 - 9 minutes - 1.68 MBEver wonder if you own too much company stock? If you’ve ever had that thought, then you probably do own too much! Join me in this episode of Deliberate Money Moves as we explore how this happens, why it matters, and what to do about it. Previously published on Oct 12, 2020, titled "Am I Overexposed?"
REPLAY - I Just Sold Some Stock—Now What?
November 02, 2023 16:01 - 14 minutes - 2.56 MBYou just created a pile of cash. What should you do with it? When you face this situation – and I hope it’s often – consider creating a Cash Structure that will make sure you have enough money in your savings while maximizing your investments at the same time. Join me in this episode of Deliberate Money Moves as we explore how to create your Cash Structure and what it means to give every dollar a job! Previously published on Oct 20, 2020
REPLAY - How to Manage Your RSUs
October 20, 2023 03:32 - 10 minutes - 3.63 MBEver wonder what the best way is to manage your RSUs? With all the tax information and stock price movements, it can be difficult to create a plan that makes sense so that these funds support your life. Join me in this episode of Deliberate Money Moves where we explore a tax-smart way to transition your hard-earned RSU money into the rest of your Financial Life. Previously published on Jun 22, 2020
REPLAY - Get Value (and Joy) Out of Your Spending by Knowing Where Your Money Goes
October 05, 2023 20:45 - 7 minutes - 4.4 MBDo you know the price tag of your lifestyle? Are you thinking about your spending, but not really looking at it? Join me in this episode of Deliberate Money Moves as we explore how to get joy from your spending by making better value decisions once you know where your money goes. Previously published on Jan 16, 2021
REPLAY - Give a Job to Every Dollar You Have
September 21, 2023 15:17 - 7 minutes - 4.5 MBIs your money working for you? I mean ALL of your money? Even if it just sits in savings so you don’t have to worry about upcoming expenses, it’s doing good work for you! Join me in this episode of Deliberate Money Moves as we explore the importance of giving a job to every dollar you have. Previously Published on Jan 25, 2021
REPLAY - Make Your Extra Cash Work For You
September 07, 2023 15:00 - 7 minutes - 4.06 MBDo you have extra cash but don’t know what to do with it? If so, your cash is not really working for you. Join me in this episode of Deliberate Money Moves as we explore what’s right for that cash considering your specific circumstances. Previously Published on Feb 8, 2021
REPLAY - Successful Investing: The Value Of A 5-Year Cash Flow Plan
August 24, 2023 19:12 - 8 minutes - 4.77 MBSuccessful investing begins with understand what should be invested and what should not. Join me in this episode of Deliberate Money Moves as we explore how to build your Savings Target, allowing you to invest the rest of your funds in your Long Term Portfolio. Previously Published on Feb 22, 2021
Strategize Your Finances: Put Your Cash Where It Counts
August 10, 2023 17:14 - 2 minutes - 1.73 MBIf you ever want to spend any time without income in your life – whether it’s retirement, a sabbatical, or whatever – then you must earn more than you spend. Join me in this episode of Deliberate Money Moves where we explore cash placement, calculating your Savings Target and building wealth.
Get the Most From Your HSA
July 27, 2023 17:16 - 3 minutes - 2.12 MBIf you are in a health plan that qualifies as a cheaper plan with a high annual deductible, you can open an HSA along with it. Join me in this episode of Deliberate Money Moves where we discuss the 5 rules to know and talk strategy.
The Limited Significance of Your Money: Exploring its True Value
July 13, 2023 18:10 - 3 minutes - 2.51 MBThere are only four things you can do with your money: pay taxes, spend it, invest it, or give it away. Join me in this episode of Deliberate Money Moves where we explore the true value of your money.
Optimizing Your Cash: Where to Put It
June 29, 2023 13:00 - 4 minutes - 3.24 MBI’ve seen many people lose money in cash investments and it always happens the same way. Join me in this episode of Deliberate Money Moves where we explore the importance of liquidity, evaluate the risk of loss and the allure of yield.
Why You Need a Family Trust
June 15, 2023 19:16 - 3 minutes - 2.24 MBPlanning for your financial future includes the financial security of your loved ones and in California, having a family trust is an essential part of this security. Join me in this episode of Deliberate Money Moves where we explore how to preserve family harmony, avoid lengthy delays and expenses, and keep matters private.
Don’t Set It and Forget It
June 01, 2023 15:59 - 2 minutes - 1.95 MBOk, so you’ve bought into ignoring short-term market fluctuations, but it’s likely not that simple. Join me in this episode of Deliberate Money Moves where we explore having an Investment Philosophy and the benefits of a Financial Advisor.
Unlocking the Power of Diversification: The Key to Financial Success
May 18, 2023 17:50 - 2 minutes - 1.89 MBIt is unfortunate, but to understand why diversification works, we must understand a little math. Join me in this episode of Deliberate Money Moves where we explore the mathematical magic to construct a diversified portfolio.
Maxing and Relaxing
May 04, 2023 17:25 - 1 minute - 1.41 MBSo, you want to live comfortably in your future years and you’re not so sure it’s going to happen. What to do? Join me in this episode of Deliberate Money Moves where we discuss maximizing your savings.
The Rising Price of A Good Time
April 20, 2023 16:49 - 1 minute - 1.2 MBHow much will you spend in the future? This is an important question, and we can get nearly there by looking at your current expenses. Join me in this episode of Deliberate Money Moves were we discuss the importance of planning for inflation.
Why SVB Is Important For Your Portfolio
April 06, 2023 15:12 - 2 minutes - 1.52 MBOn March 8th, SVB was trading at $267 per share. By March 10th, you couldn’t give your SVB stock away. Investors lost $16 billion in 2 days. Join me in this episode of Deliberate Money Moves where we explore the lesson to be learned here.
How to Use Roth Accounts
March 23, 2023 14:28 - 2 minutes - 1000 KBI like to call Roth Accounts the “Never Taxed Again” account because you are taxed on the money you put in, but you are not taxed when you take it out nor are you taxed on the earnings. Join me in this episode of Deliberate Money Moves where we explore how you can create income and pay no tax!
How to Use Traditional Retirement Accounts
March 09, 2023 19:59 - 1 minute - 915 KBTraditional Retirement Accounts are tax-deferred. This means you get a tax deduction when you put money in, and you pay tax when you take money out (usually in retirement). Join me in this episode of Deliberate Money Moves where we discuss how to use Traditional Retirement Accounts in your investment allocation.
Where to Put Your Extra Money
February 23, 2023 15:00 - 2 minutes - 1.16 MBOk, so, you are maxing your retirement plans, you’ve got your college funding figured out and you have plenty of money for emergencies and other upcoming expenses – but you still have money left over. What to do? Join me in this episode of Deliberate Money Moves where we discuss what a Taxable Account is and how it can help.
Why Diversification Works
February 10, 2023 00:08 - 3 minutes - 1.53 MBIt is unfortunate, but to understand why diversification works, we must understand a little math. Join me in this episode of Deliberate Money Move where we explore the mathematical magic that is the key to constructing a portfolio that your well-thought-out financial plan deserves.
Why Use a Trust?
January 27, 2023 16:07 - 3 minutes - 2.35 MBA revocable living trust is a legal method of passing assets from one owner to the next without going through probate. Join me in this episode of Deliberate Money Moves where we explore three reasons to use a trust.
The Three Types of Account Taxability
January 12, 2023 15:19 - 3 minutes - 2.21 MBWe have many choices when investing. Today, we are going to look at the different ways an account may be taxed: now, in the future, and never again. Join me in this episode of Deliberate Money Moves where we explore the tax benefits of each.
The Rising Cost of a Good Time
December 29, 2022 15:47 - 1 minute - 1.29 MBHow much will you spend in retirement? This is an important question, and we can get nearly there by looking at your current expenses. Join me in this episode of Deliberate Money Moves where we explore the effect of inflation and the investment plan geared for retirement.
Retirement May Not Mean You Actually Retire
December 15, 2022 14:59 - 2 minutes - 1.82 MBHow much time do you have left? Knowing the answer to this question would greatly ease your financial planning process. Join me in this episode of Deliberate Money Moves where we explore a couple ways to increase confidence in our Financial Plan.
Why It’s Best to Ignore Individual Stocks
December 01, 2022 15:00 - 2 minutes - 2 MBBuying an individual stock is like placing your money on a single number in roulette, but much, much worse. Join me in this Episode of Deliberate Money Moves where we explore the different types of analysts and why the Individual Stock game is rigged against you.
The Upside To A Market Crash
November 17, 2022 15:00 - 3 minutes - 2.34 MBIs a market crash good or bad for you? Think I’ve fallen off my rocker for even asking? Join me in this episode of Deliberate Money Moves where we consider stock prices vs company value and why diversification matters.
The Importance of Having Access to Your Money
November 03, 2022 14:00 - 2 minutes - 1.68 MBNeeding access to your investment accounts in an emergency creates enough of a logistical hurdle but holding investments that may take weeks or months to sell can really cause a problem. Join me in this episode of Deliberate Money Moves where we explore why simple portfolios matter and why it's important to have a plan.
Your Investments Should Be Experienced
October 20, 2022 14:00 - 3 minutes - 2.13 MBChasing the latest strategy or the exclusive financial product is a great way to go broke. Join me in this episode of Deliberate Money Moves were we explore why your investments should be experienced and boring equals stability.
Use The Markets Like a Tool
October 06, 2022 14:00 - 2 minutes - 1.8 MBInvesting has become a game to most, but it should never be approached this way. From meme stocks to crypto, many of you are being far too cavalier with your investments. Join me in this episode of Deliberate Money Moves where why investing for the long-term makes the most sense.
Realize That…You Just Don’t Know
September 22, 2022 14:00 - 2 minutes - 1.76 MBHaving invested other people’s money for more than 30 years and studied other managers doing the same, it is clear to me that the markets cannot be beaten. Join me in this episode of Deliberate Money Moves where we explore a better approach to weathering the inevitable market downturns that come.
A Guarantee That’s Not Truly Guaranteed
September 08, 2022 14:00 - 2 minutes - 1.49 MBDo you want a guaranteed investment return? Many people avoid the markets because they are “too risky” and offer no principal or return guarantee. Join me in this episode of Deliberate Money Moves where we explore the steady growth of the global economy.
Don’t Just Do Something! Stand There!
August 25, 2022 14:00 - 2 minutes - 1.75 MBWhen we make moves in our portfolio, we are much more likely to be losers rather than winners. Join me in this episode of Deliberate Money Moves where we discuss why its best to put a long-term investment plan in place.
Guns vs. Butter
August 11, 2022 14:00 - 2 minutes - 1.54 MBLife is a series of trade-offs. We have limited resources, be they friends, family, money, skills, experience, or whatever. Join me in this episode of Deliberate Money Moves where we discuss the key to finding your own financial happiness.
You Can Never Go Back
July 28, 2022 14:00 - 4 minutes - 2.97 MBOur technological progress has only just begun. Join me in this episode of Deliberate Money Moves where we discuss the best approach to participate in this growth financially.
Here’s a Secret: Your Financial Plan Is Wrong
July 15, 2022 02:10 - 1 minute - 666 KBHow can you plan for the future? Join me in this episode of Deliberate Money Moves where we discuss why its important to update your financial plan on a regular basis.
Do Not Consider Investing in Real Estate (Including Your Own Home) With More Than 20% of Your Assets
June 23, 2022 14:00 - 1 minute - 3.1 MBI understand that your home may, itself, be greater than 20% and I’m ok with that because it is much more than just an investment. Join me in this episode of Deliberate Money Moves where we discuss why you don't want to dabble in investment real estate.
Sell Your RSU and ESPP As They Vest
June 16, 2022 14:00 - 1 minute - 3.6 MBYour Company Stock awards are part of your total compensation for work. They are not a bonus and they are not lottery tickets. Join me in this episode of Deliberate Money Moves where we discuss the best way to begin diversifying out of Company Stock.
Make No Predictions of Markets Over Short Periods of Time
June 09, 2022 14:00 - 2 minutes - 3.94 MBStock prices are determined by buyers and sellers, of course, but those buyers and sellers are entirely human. Join me in this episode of Deliberate Money Moves where we discuss how human emotions can effect the markets.
Rebalance Your Portfolio
June 02, 2022 14:00 - 2 minutes - 4.92 MBYour Long-Term Portfolio has target percentages for each fund and asset class. Join me in this episode of Deliberate Money Moves where we explore why rebalancing is so important.
Structure a Portfolio Whose Behavior in Market Crashes is Acceptable
May 26, 2022 14:00 - 2 minutes - 4.12 MBIf you are 40 years old, you will likely experience 5 to 8 more market crashes during the rest of your life. Join me in this episode of Deliberate Money Moves where we discuss how to balance your stocks to survive inevitable market crashes.
Keep the Same Investment Strategy Regardless of Your Stage in Life
May 19, 2022 14:00 - 2 minutes - 4.21 MBThe markets do not care what stage of life you are in. I know that sounds funny, but we can sometimes think we should invest differently because of something going on in our own life. Join me in this episode of Deliberate Money Moves where we discuss why changing your savings patterns is a better way to go.