Blog

Introducing our new blog "A Wing and a Plan". We intend to write about personal financial planning and concepts, small business and networking in West Michigan, and the things that matter most: Faith and Family.

You can expect to find a new post here on www.provisioretirement.com  every Tuesday morning as well as on  LinkedIn .

Tuesday, October 26, 2021

Hello blog readers! Before we delve into our topic for today I wanted to express that I am so excited to begin contributing to the blog on a regular basis. I hope to keep the style congruent to that which Alex has already implemented....

Wednesday, October 20, 2021

I want to start this blog post by expressing my sincere apologies for being absent over the last couple of months. While this is not an excuse, I have been quite preoccupied with bringing on new clients, serving our current ones, and...

Wednesday, August 11, 2021

An odd phenomenon has occurred over the last year and a half. If I had not seen and experienced it myself, I never would have believed it. Yet, despite a period of economic instability, higher than average job loss, and general...

Monday, August 9, 2021

It is 9:38 AM EST on a Monday and I am pouring myself another cup of coffee and preparing to meet with our team for our regular Monday morning meeting. I turn on the TV and flip to CNBC (on mute) so that I can watch the market movement...

Monday, August 9, 2021

“We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to...

Show All

Thursday, June 24, 2021

I recently had the tremendous pleasure to appear on the "Hot Off the HYP" podcast hosted by Johannes Boot. This is the official podcast for the Holland/Zeeland Young Professionals or "HYP". I had a fantastic time speaking with...

Thursday, June 10, 2021

As an advisor, it is encouraging when a new client chooses to work with us as opposed to their current financial professional. It means that we are communicating our message of diligent financial planning and common sense investing and...

Tuesday, May 25, 2021

Experts and amateurs alike have been warning of the market’s inevitable crash for over a decade now. Economists and advisors for years have cautioned, and rightly so, that the bull market will come to an end. However, no one...

Monday, April 26, 2021

I have a terrible habit of constantly trying to “fix” everything. I ironically say that I am attempting to “solve the world’s problems” except sometimes I think that, in my pride, I might just believe that...

Tuesday, April 6, 2021

When President Biden took office earlier this year, one of the big-ticket items on his agenda was to roll back the Tax Cuts and Jobs Act of 2017 put in place by President Trump. The Biden Administration’s proposed tax plan should...

Wednesday, March 31, 2021

The name “Warren Buffett” is not often associated with the words, “panic sale”[i]. The famed investor and so-called “Oracle of Omaha” is often known for the exact opposite of panic. Mr....

Wednesday, March 17, 2021

In the words of Pam Beesly, “What a long, strange trip it’s been.” Well, at least it feels that way. In reality, it has only been a year but it has been strange nonetheless. When we started Provisio Retirement...

Wednesday, March 17, 2021

In speaking with clients, connections, family and friends it is inevitable that many people will share the same questions and concerns about their finances. This week, I want to take a moment to cover a few of the questions that I...

Monday, February 22, 2021

Last week, I wrote about the recent controversy regarding popular trading app, Robinhood. It got me thinking more about the whole concept of “free” financial advice and investing. We are increasingly living in a DIY world...

Thursday, February 18, 2021

When I wrote about my concerns regarding online stock trading app Robinhood back in July of last year, I had no idea what was to come in 2021. Nor did I realize fully the dangers associated with Robinhood. In other words, I had no idea...

Wednesday, February 3, 2021

A Roth IRA is a fantastic option for saving for retirement as it provides tax free withdrawals of both contributions and gains when taken in retirement. A majority of people are able to contribute $6,000 a year to a Roth or $12,000 for...

Wednesday, January 27, 2021

One of my all-time favorite phrases is, “you don’t know what you don’t know”. When directed at an individual, it is meant to highlight their overconfidence on a subject that they are actually quite ignorant...

Tuesday, January 19, 2021

As many of you mourn the loss of The Office from Netflix, I thought it might be a good time to revisit one of my favorite blog topics from last year. That is right, more finance lessons from everyone’s favorite Dunder Mifflin...

Wednesday, January 13, 2021

How do I start investing? It is a simple question and an understandable one at that. With the seemingly endless strength of the stock market and the rise of easy-to-use investment apps like Robinhood[i], everyone wants to try their...

Tuesday, January 5, 2021

In continuing my series on financial terms and ideas that are widely misunderstood, I thought it best to start the year off with a topic that is on everyone’s minds after this past year: Risk. No not the risk that you will run...

Tuesday, December 22, 2020

What a year it has been. Yes, I realize that is an understatement, but I want to avoid the hyperbole that is so frequent in our news and social media. Let us just say that 2020 was a year that will lend plenty of material to the...

Thursday, December 17, 2020

It is not difficult to see why so many people have not started investing or planning for their future. With a myriad of financial terms, products, and companies, one can easily become overwhelmed and suffer from “analysis...

Thursday, December 17, 2020

Several weeks ago, I broke from my normal theme of financial literacy to speak to the growing disregard we seem to have for one another in this country. Particularly, the great divide there seems to be in politics, ideology, and...

Friday, October 23, 2020

As the world begins to open up again, I am finding myself finally being able to meet with people in person (albeit safely distanced of course). This means seeing my clients face to face but also getting introduced to new contacts and...

Wednesday, October 14, 2020

For many around the country (particularly down south) the college football season began over a month ago. But for those of us who’s loyalties lie in the B10 Conference, October 24th can’t come soon enough. The season will...

Wednesday, October 7, 2020

There comes a point in all of our lives where the prospect of retirement appears like a speck on the horizon. It is still a ways off but you can see it coming. Likely, you are in your prime earning years and have 10-20 years until...

Wednesday, October 7, 2020

For the past five months I have been trying (and failing) to publish a new blog post every Tuesday. For the most part I have focused on financial topics that I feel will benefit my readers. I sincerely hope that whether you are a...

Wednesday, October 7, 2020

On November 3rd, Americans around the country will perform their civic duty by either going to the polls or filling out a mail-in ballot. As that day fast approaches, I have heard from many in my circles who have vastly different...

Wednesday, October 7, 2020

It is no surprise to anyone who knows me well that I am a huge fan of “The Office”. Behind the ridiculous, cringe worthy moments, is an accurate portrayal of working in an office setting (albeit hyperbole). I have often...

Tuesday, August 25, 2020

It’s 6:30 on a Tuesday night and you are already ready for this week to be over. Your stomach grumbles to remind you that you have not eaten since breakfast. At home, you have a pantry full of groceries and healthy foods to cook...

Tuesday, August 25, 2020

This week I want to talk about something that has been on mind a lot lately. Fair warning, this has little to do with finance so if you would prefer not to read my rambling stream of consciousness then I suggest that you click away...

Thursday, August 13, 2020

Financial products in general are often looked at through the lens of skepticism because, as with many industries, there is a history of past abuses. The “annuity” is a prime example of a product that is sold almost as...

Thursday, August 13, 2020

I can always tell when the question is coming. It is the same question I get all the time, and it is almost always asked with awkwardness and uncertainty. I suppose that those who ask it do so out of respect for my time and efforts,...

Thursday, August 13, 2020

In 1975, Jack Bogle wanted to offer the average investor a way to achieve market returns without paying a steep fee to a fund manager[i]. Thus, index investing, and investment manager behemoth Vanguard, was born. Bogle initially...

Friday, July 17, 2020

If you are a do-it-yourselfer and a millennial then odds are you have stumbled across the mobile app, Robinhood. Even if you do not fit into that category there is a good chance that you have heard of Robinhood as it has been surging...

Thursday, July 9, 2020

The first half of this year was brutal and included a nationwide lockdown and quarantine to our homes. The pandemic has driven mass layoffs in numbers that are hard to believe. Thankfully, the jobs are beginning to come back, and our...

Wednesday, June 24, 2020

Ah yes, life insurance, the great paradox of financial products. The only product that you will ever purchase that you hope you will never use. Easily the least exciting thing that I discuss with clients as the conversation typically...

Tuesday, June 16, 2020

It has likely happened to all of us. We leave a job in search of greener pastures and in the process leave an old 401(k) behind. 401(k) plans are a great way to accumulate wealth while working for an employer especially if that...

Tuesday, June 2, 2020

My wife and I have been married for five years now and one of the hobbies that we have come to enjoy together is taking hiking trips. One of our favorite places to hike is the Pictured Rocks National Lakeshore in Michigan’s...

Tuesday, May 26, 2020

I do not have a military background, nor do I come from a family with a large number of veterans. My great-grandfather fought in the Pacific during WWII but regretfully I was not as close to him as I would have liked. When Memorial...

Tuesday, May 19, 2020

Look, as a financial advisor I would love to have everyone and their brother work with me to create a killer financial plan. But as I continue to talk with those in the early stages of planning, I am seeing a couple of common threads...

Tuesday, May 12, 2020

I have had many conversations that go something like this: Me: “So, what have you done thus far to plan for your future financially and what do you hope to accomplish with your investments?” Prospective Client: “Well,...

Tuesday, May 5, 2020

My schedule right now feels weird. I get up, eat breakfast, make a pot of coffee and then…. go down to my office in the basement to work on my laptop for 8 hours. It is very strange not being able to see my clients face to face...

Tuesday, April 28, 2020

As human beings, we have a need for a sense of security. A sense that we have it all together even if it is just an illusion. The same can be said for our personal finances although we certainly hope our financial security is not just...

Tuesday, April 21, 2020

One of my new favorite quotes comes from the author James Clear in his book “Atomic Habits”. Early in the book he states,"Habits are the compound interest of self-improvement.” This quote resonated with me both as...