If you had to grade how much better off modern society is with financial products and services today versus what we had twenty or thirty years ago, what grade would you assign? A? A+? Or something even better?

Regardless of what your individual opinion is, it’s an indisputable fact that financial services have become much more democratized and widely available today than they have ever been in the past. Whether you want to invest, save money, track spending, borrow money, whether from an institution or from somebody else just like you, it’s all available right in your palm, with your smartphone.

Continue reading “The Unsuspected Dark Side of Modern Financial Products”


Think of the last five ads or pitches you recall seeing for any financial services products recently. What has been the primary theme or hook? My observation has been that most if not all of these products look to dangle the lure of more – specifically, of having or getting more, with the product or service being pitched. The assumption is that the prospect or intended “target” is sold because he/ she gets a better deal, and that’s the end of the story. This has always caused a low-grade dissatisfaction in my mind – I’ve always found them wanting and unsatisfactory as a pitch, and yet have never been able to pinpoint, leave alone articulate why that is the case, and what would truly make me happy or excited to try something new.

Continue reading “A Fascinating New Approach to Serving Women in Financial Services”


Along with resolutions to lose weight, get healthy or exercise more, getting a better handle on personal finances has to rank up there among the most ardently undertaken and broken resolutions of all time. Each time the lure is unfailing, with books, programs and magazines promising the utopia of fully balanced checkbooks, low credit card balances, and bulging wallets and retirement accounts.

Continue reading “The Missing Holy Grail in Personal Finance”


This post is respectfully dedicated to the memory of Chief Petty Officer Shannon Kent, the first American female service member to die in combat in Syria.

Quick, what are the three biggest financial items on your mind right now? Chances are that if you’re like most people, your list probably looks like this:

  1. Paying down debt (whether a mortgage, car loans, student loans or credit card debt)
  2. Retirement savings (or lack thereof)
  3. Protecting from the risk of bad things happening

Continue reading “The Missing Piece – the Case for Objective Credit Advice”


If I stopped you on the road and asked you the one thing that was characteristic of managing money, what would say? If you’re like many people, chances are you probably said “the math” or “the complexity” of tasks and decisions involved in managing your money. In fact, entire industries have come into being, and making very good profits, thank you very much, premised on this fundamental construct that effective finance means complex finance.

Continue reading “Just “Kiss” The Problem Away – Why Simple Is the New Black”