Improving lives through sound financial planning.

Most Recent Posts

Retirement Redefined: From Green Tees to the Danube

By Robert W. Tull | July 1, 2025

Last summer, I reflected on the idea of choosing your own path in retirement—symbolized by my decision to not play from the green tees during a golf tournament. That moment sparked a deeper realization: retirement isn’t a one-size-fits-all destination. It’s a journey, and it should be one you design intentionally. Recently, my wife Cathy and […]

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Leadership Wanted for a Sustainable Retirement

By Robert W. Tull | February 29, 2024

Recently I listened to an interview with Fred Smith, the highly respected founder and executive chairman of FedEx Corporation. He shared how over the next months or years policy changes need to be made when it comes to government spending and debt. Federal spending has risen dramatically to where almost $2 trillion was borrowed last […]

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Financial Lessons From It’s a Wonderful Life

By Robert W. Tull | May 3, 2023

The reason so many of us love watching the holiday special It’s a Wonderful Life is the main character, George Bailey. Through George, we learn of the importance of sacrifice and redemption, small-town values, and, yes, the virtues of small banks. In a critical moment in the film, George hopes to prevent a run on his family’s […]

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14 Years After the Bitcoin Blockchain Was Invented, Little of “This” Promise Has Been Realized

By Robert W. Tull | February 28, 2023

In 2022, we watched the former FTX CEO Sam Bankman-Fried and his FTX cryptocurrency exchange collapse. With investors’ concerns it may result in another Bear Stearns moment, that collapse dealt a catastrophic blow to cryptos reputation and the plans and aspirations of many in this unique industry. The question now is, is this the end […]

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Tax Loss Harvesting: Combating Inflation and a Lagging Market

By Robert W. Tull | July 6, 2022

The Labor Department announced earlier this month that the consumer-price index increased 8.6% in May from the same month a year ago, marking its fastest pace since December 1981. This was above analyst expectations of 8.3% and sent U.S. stocks down as consumer sentiment dropped along with them. With ongoing inflation and a lagging stock market, you […]

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