Losing a spouse is one of life’s most painful and disorienting experiences....
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The financial markets, much like the vast oceans, are unpredictable and can...
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The older we get the faster life seems to move. In the...
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In 2015, there were over 100 pages providing instructions for Form 1040. If you’re...
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The investment landscape has never been more convoluted. There are so many...
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After decades of hard work, you’re getting ready to leave the grind...
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“Do a Roth conversion.” It’s one of the most common recommendations investors hear from advisors, CPAs, podcasts, and financial articles. And for many people, it can be excellent advice. But here’s the question every client should ask: Why? A Roth conversion isn’t valuable simply because someone recommends it. It’s valuable only if it makes sense
Gravity is invisible. You don’t always notice it, but it’s constantly there—pulling everything in a certain direction. Investing has its own version of gravity. There’s a constant gravitational pull in markets that quietly drags investors toward emotional decision-making. Fear during downturns. Greed during rallies. The urge to chase performance after markets rise and the temptation
Alpha (α) is an investing term that measures an investment strategy’s ability to outperform the market. When most people think about financial success, that’s exactly where their focus goes: what stocks to own, when to buy or sell, and how to beat the market. That’s what we call Investment Alpha. It’s what gets the headlines
For decades, mutual funds were the go-to way to invest. They’re familiar, easy to buy, and promise diversification in a single purchase. But for many investors — especially those with mutual funds in taxable brokerage accounts or old 401(k) plans — there are risks and hidden costs that can quietly erode returns and create surprise
Over the past 90 days, the narrative around the U.S. economy has shifted dramatically. While much of the media focus has centered on the war with Iran, the data suggests there are broader underlying issues at play. GDP growth from Q4 was revised to 0.7%, well below expectations of 1.4% and a sharp drop
If you’ve ever thought, “I should probably talk to a financial advisor… someday,” you’re not alone. Many people delay seeking advice — not because they don’t want help, but because of a few common misconceptions. Unfortunately, waiting can mean missed opportunities to grow, protect, and simplify your financial life. My Own Family Waited Too
Losing a spouse is one of life’s most painful and disorienting experiences. In the first year after such a loss, the days can feel overwhelming, filled with unfamiliar decisions, countless details, and emotions that seem to shift by the hour. It is natural to feel unprepared, uncertain, and even paralyzed at times. Please know, you
The Importance of the Full Picture When people think about financial planning, they often focus on the investments, the “wedding day” of financial decisions. However, just like a wedding day is only one part of a marriage, investments are only a small piece of the larger financial planning puzzle. Building a successful relationship with your
The financial markets, much like the vast oceans, are unpredictable and can sometimes be tumultuous. For soon-to-be retirees, navigating these choppy waters can be particularly daunting. After all, the stakes are high – your life’s savings are on the line, and the decisions you make now can significantly impact your retirement years.
Rational investors make better decisions—or so the thinking goes. However, new studies show that rational thought and emotions are both necessary to cut through the details, focus on what’s important, and get The science of economics has long been based on the assumption that people act rationally when making financial decisions. Money and math require
The older we get the faster life seems to move. In the blink of an eye, many of us go from starting at our first job to winding down for retirement, and everything in between. Keeping up with the pace of everyday life can be difficult. People often put projects on the back burner, such as
In 2015, there were over 100 pages providing instructions for Form 1040. If you’re unsure, Form 1040 is the simplest tax form. The time you take to read it while doing your income tax planning may double as you try to ensure you meet all the tax requirements. The alternative might be leaving yourself open to an
The investment landscape has never been more convoluted. There are so many opportunities available for the everyday investor. Many don’t take the time to think about what their options even are, let alone which one’s going to best serve them. In the United States, nearly 75% of investment plans are set up by an employer. This means that
Has a recent event made you realize the importance of financial security? Whether it is celebrating a new child, a wedding, or even a divorce, retirement planning is essential at any stage. If you’re clear about where to start when it comes to retiring in Delaware, allow us to provide some insight. Here are our top five tips for
Approximately 75 percent of Americans currently manage their own finances, and only 17 percent work with a financial advisor. Are you part of the former group? Have you been thinking about partnering with financial advisors to improve your approach to money management? If you’re considering working with a financial advisor, it’s important to know what they do
After decades of hard work, you’re getting ready to leave the grind behind. That’s right: retirement is right around the corner and you’re ready to jump in headfirst. But before you do, we highly recommend that you speak to a financial advisor. Wondering why retiring in Delaware is best accompanied by the help of such an advisor?
Are you a Delaware resident looking for the best financial advisor in your area? There are over 218,000 financial advisors in the United States but the one you pick can have a significant impact on your future. Before you begin the search for your financial advisor, you need to understand what a financial advisor does and why
You’ve worked hard your entire life. Retirement looks like it may be an exciting possibility soon. Through sacrifices and smart investing, you have accumulated some retirement funds and are planning for social security eligibility. Are you concerned about managing retirement funds and getting answers to legal questions? Hiring a financial planner may be an affordable option for making
Are you hearing wedding bells? Well, it might just be time to call a financial advisor.
Estate planning is something most people dread but it is better to meet with an estate planner sooner rather than later. We cover why in this article.
Are you afraid you may have missed out on your chance to start investment planning? In our latest resource, we’re sharing why that just isn’t true.
Many business owners rely heavily on their business for future financial security. This seminar explores how ...
Many business owners rely heavily on their business for future financial security. This seminar explores how ...
At Black Diamond Financial Solutions, we believe in proactive financial management. In these unpredictable times, a passive approach just won't cut it. We're committed to helping you navigate through these uncertainties and ensuring your retirement is secure.
Registered Representatives of and securities offered through The Leaders Group, Inc., Member FINRA//SIPC, 26 W Dry Creek Circle, Suite 800, Littleton, CO 80120, (303) 797-9080. Investment advice offered through BDFS Capital LLC, a registered investment advisor. The Leaders Group, Inc. and BDFS Capital, LLC are not affiliated.
