Fear is normal. It's part of why we're here.
How to take lots of money from average Americans. A primer.
Even Warren Buffett didn't beat indexing
Two paths for real estate investments
2019 in Review


A final thought for 2019...
Predictions and antifragility
The bowling alley of investing
Politics, investments, and change
Crashes and swans
Markets are high, but so is fear. Why?
Hedge fund training 101: go after indexing to get attention for your fund
After inflation, the average stock fund investor lost more than 11 last year. This is one reason why.
Will we have have a recession? The yield curve weighs in.
How financial firms make money from your cash
Looking back a year: 3 things to learn from the Treasury bond market
Dividends as a form of annuity
Something to think about on July 4th
Alternatives to tariffs
On emotions in investing
A cacophony of signals
The not-surprising decline of the internal combustion engine
Decisions made at the edge
Looking back to the future
Our obligation as we see it and first quarter notes
Share buybacks, an introduction
A way to think about market ups and downs
Is art an investment?
Europe vs the United States - an investor lesson
John Bogle, creator of the index fund, has died
2018 stock market observations


A final thought for 2018
Fear and risk protection
Peeling back the onion: the financial advice business
Explaining the Dow Jones
Keeping a wary eye out for inflation
Two thoughts on current markets
Consider the null hypothesis
What do we know?
The Chart of Shame
How nouns can help you
5 big tech stocks. And 5 of their strategies.
Saving a lot. Often. And again.
The chemistry of decision paralysis
The Soviet Union vs Microsoft
Peanut butter, jelly, and Wall St
Laggards and leaders
Every now and then, friction is good
Changing and not changing
The (arguably boring) importance of a strong Plan B
Finding Real Estate Joy
Fiduciary Rule R.I.P
Indexing and the Venture Capitalists
Signal vs Noise
The long-term, quiet glory of dividends
Elusive Simplicity
What makes up investment return. It's these three things


And one final thought for 2017...
Bitcoin: is it mania, or merely revolution?
Mutual fund survivorship bias
The end depends on the beginning
What we can learn from Scott Legacy
Preparing for downturns is like landing airplanes without engines: you have to practice
Unusual thoughts on saving
Social networks, dopamine, and their relation to investing
On the value of focusing
Firm update and some industry observations
Theologian teaches capitalists a thing or two
4 behavioral traits that a great investor must have
The oil business, and why industry sector bets are a terrible idea
On clients' minds when they first talk to us...
Investing is a probabilities game. (I'm 97% certain.)
The lessons of Puerto Rico, and an example of the fee machine of active funds
The hedge funder Warren Buffett trounced wasn't all wrong. Just mostly
Taxes float and the lessons of April 15th
Q1 observations, the drag of taxes, and our bull market's future
401K and 403B, Q1 Dividends, and the mechanics of why active managers almost never outperform
Optimism in investing wins, big time. Market timing doesn't.
Index fund portfolio construction. No yawning, this is important stuff
Fiduciary rule, and where investors lose big money
Oh attention-grabbing Dow Jones, you toy with us so...
Index Fund Fundamentals


2016 Wrap-Up Observations
A Heartfelt Thought
The predictable nature of unpredictability
We know at least 4 things to be true. Maybe more

How We Are Different
Low-fee index funds. Transparent & fiduciary financial advisors.
Local Financial Advisor
We are in your community We are local.
Investment Management
We tailor to each client. Index funds at the core.
About Us: Past and Future
Founded on a simple idea, growing fast.
Dan's Corner
Meaningful musings from our founder.
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U.S. Treasury Bonds
Use Treasury Bonds to reduce risk.
Book Recommendations
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When Should I Invest?
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Retirement: 401k and More
Retiring? Plan the future you want.
IRA Rollovers
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Active vs. Passive Investing
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The Investment Process
How we work: low-cost index funds, personalized attention.
Simplicity is the ultimate sophistication.
Investing: What to Focus On
Low-fee index funds. fee-only advisor.
Switching Financial Advisors
Can be uncomfortable, but an important step.
Advisor Recruiting
We attract top-tier talent. Not your usual firm.
Basic Investing
Let's start with Investing 101.
Understanding Your Financial Statement
Let's break it down to basics.
Index Funds
Broad market exposure, low expense.
Behavioral Finance
Nudge vs. Sludge.
Advanced Investing
Let's geek out on stats, figures, and fundamentals.
How Financial Firms Bill
Fee-based vs. fee-only, and lots more.
Who Supports Indexing?
Bogle, Swensen, Buffett, and others.
One click to see our fees.
Mutual Funds vs ETFs
Clarifying the difference.
Does Stock Picking Work?
The resaerch says no.
Countering Arguments Against Index Funds
What happens in a down market?
Lots of fees, little clarity.
How Do Mutual Funds Work?
Invest in the basket.
How to Relieve Financial Stress
New client? anxiety is normal.
Financial Terms Glossary
Common investment terms you should know.
Inflation through the investment lense.
Retired Investing
Retiring? Let us help.
Young Investors
Plant a seed, watch it grow.
High Net Worth Investors
Preserve and grow your wealth.
Investing an Inheritance
Prioritizing and planning for the future.
Widowed Investors
Managing money after a loss.
Female Investors
Your voice needs to be heard. We are listening.
For the Business Owner
Choosing what's best for your business.
Environmental Investing
Carbon intensity, fossil fuels.



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Frank Koster | Josh Kruk

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