You’re too busy. So am I. Pretty much all of us are. It’s like there’s a Busy Virus sweeping the nation and most of us are carriers. Call it the Busy Zombie Apocalypse. Some have managed to avoid the contagion, but not many. Signs of infection include packed schedules, overwork, exhaustion, stress, anxiety, and a [...]
30 day learning challenge: Croissant edition
by Joe Hearn on July 24, 2012 in Learning Challenge, Pursuits
“Patience!” That was the advice that a French pastry chef gave me when I asked him for pointers on making croissants. I should back up. What set of circumstances brought me to the point where I was getting cooking advice from the former personal chef to the king of Saudi Arabia? As many of you [...]
5 reasons to keep your life insurance during retirement
by Joe Hearn on July 18, 2012 in Insurance, Retirement
When entering retirement, it’s common to simplify your budget as much as possible by cutting all unnecessary expenses. Nix the expensive work wardrobe. Downsize to a smaller house. Stop making IRA and 401(k) contributions. Cancel your life insurance policies. Hold on. Not so fast. That insurance might come in handy during retirement. Income replacement is [...]
Case study: When can I retire?
by Joe Hearn on July 13, 2012 in Distribution Planning, Retirement, Social Security
I met with a prospective new client this week and he asked me the question I get asked by most people during introductory meetings: “When can I afford to retire?” We spent about an hour working through some numbers and coming up with the answer. I thought seeing a real world example would be helpful to [...]
Ray Bradbury on how to predict your future
by Joe Hearn on July 11, 2012 in Pursuits, Retirement
We recently passed the halfway mark for the year. Six months to go before breaking out the bubbly and Auld Lang Syne. How are you doing with your plans for the year? Are you making progress toward your retirement goals? Ray Bradbury, the vaunted science fiction writer (Fahrenheit 451), died a few weeks ago. Many [...]








