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How to Destroy Your Financial Plan, Part 3: Lost in the Woods
Many financial plans slowly unravel as people stray from their path, lost in the woods of conflicting advice and doubt.

Jonathan Harner, CFP®
5 days ago


How to Destroy Your Financial Plan Part 2: The Explosion
Trying to save a few bucks can cost you everything, like carrying all the grocery bags at once, one rip and your whole plan can fall apart.

Jonathan Harner, CFP®
Jun 19


Your 401(k) Is Not a Plan: Why a pile of money is not a retirement strategy.
A pile of money isn’t a plan. True retirement readiness comes from a strategy—one that aligns savings, spending, taxes, and real-life goals.

Jonathan Harner, CFP®
May 29


Invest Early Because Regret Only Comes In One Flavor: Bitter
Avoid the bitterness of regret. Invest early, invest consistently, and let time and compounding do the heavy lifting for your financial future.

Jonathan Harner, CFP®
Apr 24


Risk vs. Volatility: Understanding the Difference Can Save Your Retirement
Understanding the critical difference between risk and volatility can change your investing perspective, and ultimately protect your retirement dreams. Diversification shields you from genuine risk, while embracing volatility and staying invested through ups and downs positions you for long-term success.

Jonathan Harner, CFP®
Apr 17


Memo to Clients: Navigating Market Uncertainty Amid Tariffs
Markets hate uncertainty above all else, and tariffs are a wrench in the global economy. But companies adapt, market corrections are common, and diversification provides stability. Volatility is the price of long-term wealth creation. Stay the course, we’ve weathered storms before and come out stronger. You don’t have to go through this alone.

Jonathan Harner, CFP®
Apr 11


The US Dollar vs Crypto: Understanding the Key Differences
Both crypto and the US dollar rely on trust, but only one has a long history of stability, regulation, and global acceptance.


Beating the S&P 500
A real financial planner aligns your money with your life, not just market returns. Chasing performance isn’t a plan—financial independence

Jonathan Harner, CFP®
Mar 27


Should I Invest in “X” or Not? The Question No One Asks (But Should)
Should I invest in X? If it’s a clear win, go for it. If it’s a disaster waiting to happen, run. Most often? It depends on you.


How to Start Your Year with Purpose and Financial Clarity: Part 2
Align your values, goals, and cash flow to build lasting momentum. Simplify financial decisions with expert guidance this year.

Jonathan Harner, CFP®
Jan 22


Fee-Only, Fiduciary: What Does It Actually Mean?
Discover what 'fee-only' and 'fiduciary' mean, and why choosing the right financial advisor can secure your financial future.

Jonathan Harner, CFP®
Dec 13, 2024


Is a Financial Advisor Worth It? Understanding the True Value of Financial Planning
Discover the value of real financial planning with holistic advice on taxes, cash flow, risk, and more.

Jonathan Harner, CFP®
Dec 4, 2024
Let’s Make Smart Decisions, Together.
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