Harry Markowitz brought us Modern Portfolio Theory (MPT) in the 1950s and this model became the standard used by Wall Street and DC regulators. Even today, nearly three quarters of a century later, you see MPT everywhere. What’s the problem? It’s beautifully precise, but still not accurate.

Death is not the opposite of life, but a part of life. And still, this topic is very taboo. Being financial planners, factoring in your ultimate death is always part of our work, but it can still be difficult to address. As a death positive financial planning firm, it’s our promise to meet you where you, actively listening while being open, honest and empathetic.

We understand that planning for your financial future can seem overwhelming. But having a solid financial plan can make a world of difference. Here are five ways financial planning can help you achieve your goals and bring peace of mind.

Lifetime Financial is a Registered Investment Advisor (RIA) and we see a lot of consumer confusion regarding what a “fiduciary” is. Learn about its origins and the regulatory missteps that has made the public more vulnerable to bad actors.