The dividends-versus-total-return debate has (mercifully) cooled. Most investors now accept there’s nothing magical about dividends – it’s just cash carved out of total return. The real “magic” is reinvesting, i.e., putting the slice back into the cake so it keeps baking. And yes, ex-dividend, a stock’s price typically drops by roughly the dividend amount –…| Boomer & Echo
We just got back from Scotland – a trip that involved epic hiking in the Highlands, duck-feeding along Loch Ness, and a quick stop in Glasgow so our daughter could “manifest” her future university choice. We covered nearly 500 miles in a rental car, used our umbrellas exactly once, and, thanks to some smart credit…| Boomer & Echo
Like a lot of money nerds, I’ve always loved a detailed budget. There’s comfort in seeing where every dollar goes, especially when life throws its usual mix of irregular income and surprise expenses. Still, I was curious: what would happen if I ditched the details and looked at our finances the way author Ramit Sethi…| Boomer & Echo
Lately I’ve been noticing a familiar pattern among parents: they want to get their kids investing early. Like, really early. The dream is to harness the power of compound interest so little Kale or Kyla can coast into early retirement before they’re even out of high school. Look, I get it. Starting early is great.…| Boomer & Echo
One lesson I’ve learned from my retired clients is that it’s human nature to feel anxious about spending money – especially when the paycheque stops and you’re drawing down your own savings and investments. After decades of watching account balances go up, it’s deeply uncomfortable to watch them go the other way. It just doesn’t…| Boomer & Echo
I share how I invest my own money to help you simplify your portfolio, reduce your costs, and ultimately lead to a better long-term outcome.| Boomer & Echo
Fee Only Advice You can call me a fee-only advisor, fee-for-service planner, advice-only planner, or a money coach - it does not matter. What does matter is that you get unbiased financial advice from someone who's knowledgeable and trustworthy. But what exactly is fee only advice? At Boomer & Echo financial planning, I don't sell products or get paid commissions to refer you to someone who does. Instead I offer sound financial advice to help you get out of debt, manage your spending, and dec...| Boomer & Echo