Helpful Tips & Reminders

Top of Mind (Q3 2019)

Each quarter, we will share three things that we are keeping Top of Mind

Here's our latest list:

1.) Is your financial advisor independent?


Your wealth journey is exceptionally important. How confident are you that your advisor is working in your best interest? Windermere is an independent Registered Investment Advisor and acts as a fiduciary in its client’s best interests. But not all advisory firms are created equal. Take this quiz to test your knowledge of what independence in the financial advisory space truly means

2.) There is value in rest


“There’s something to be said for the state of quiet dormancy, where little apparently happens.”

This quote, from an article in the New York Times, brings up a fact that we all know is true - there are benefits to rest. And yet, we spend a large part of our lives fighting against this reality. We tend to believe that there is value in the hustle, a certain status in being “busy”, and that taking time to rest and not “do” is somehow weak. This article made me start to see things a little bit differently. I hope it does the same for you as summer is the perfect time to reset and recharge.

3.) Remembering death to help you live


I listened to a podcast recently where the founder of We Croak was the guest.

He has created an app (also called We Croak) that sends you five messages a day (at random intervals) to help you stop and contemplate death. It’s based on the Bhutanese folk saying: to be a happy person, one must contemplate death five times daily. The app helps bring you back to yourself and helps you focus on what really matters, oftentimes alleviating the stresses and worries of day to day life. I just downloaded it - maybe you will do the same!

Top of Mind (Q2 2019)

Each quarter, we will share three things that we are keeping Top of Mind

Here's our latest list:

1.) Reading List

I was recently asked about my “must read” news sources and daily email lists.  Seems like there is an endless supply of news to pick from but here are a few of my daily reads and favorites:


Newspapers of choice : Wall Street Journal and New York Times.  I receive the print edition of the WSJ (call me old fashioned!) but I read the Times online.  Both sites have excellent menu options that allow you to set preferences for your news feed as well as email alerts

Other business sites : I also review headllines from Bloomberg, CNBC, Dealbook, and Financial Times

Daily Emails :

  • The Skimm – part fun, part news.  This daily email curates the day’s top news and includes a lot of information and a bit of humor

  • Capitol Insights – written by Greg Valliere, a top Washington strategist, this daily email is an invaluable look inside Washington DC, with a focus on the markets

  • The Hustle – self described as “all the tech and business you need each morning, bite sized”

  • Seth Godin’s Blog - think this is only a blog related to marketing? Think again. These daily messages always leave me thinking and looking at my days in a whole new light

Podcasts – Prefer to listen on the go? Three news/business podcasts I enjoy include The Daily, Up First, and Recode/Decode

2. Check your Mortgage Rates


In 2018, it was widely believed that interest rates were headed in one direction – up.  Fast forward to today and interest rates (namely those at longer maturities) have actually trended lower. The reasons for these moves are many (we’re happy to explain further). But if you are a homeowner with a mortgage (especially one from late 2018) , it may be worth evaluating a refinance. Can’t hurt to look into it!


3.) Social Security – whether you are decades away from claiming benefits or are currently doing so, it is always a good idea to annually verify your earnings history with the Social Security Administration (“SSA”) . SSA receives your earnings from the IRS (via your tax returns) but as with most things in life, mistakes can happen.  Take the time to visit, retrieve your statement, and verify the wages listed.