Thief – Overcoming Social and Economic Barriers to Human Capital Recovery

Posted November 29, 2018 “My life was a raging dumpster fire!” – Anonymous, after two weeks at a residential drug rehabilitation treatment center. So, how does the practitioner or client engage in financial planning while the client is driven to desperately and surreptitiously feed their addiction or fearfully concede to a dependence on opiates?  When … Continue reading Thief – Overcoming Social and Economic Barriers to Human Capital Recovery


Posted November 14, 2018 Something is stealing your human capital. Human capital is intangible collective resources possessed by individuals and groups within a given population. These resources include all the knowledge, talents, skills, abilities, experience, intelligence, training, judgment, and wisdom possessed individually and collectively, the cumulative total of which represents a form of wealth available to nations and organizations … Continue reading Thief!

Your Cyberspace Assets

Photo by Markus Spiske on I am always fascinated by a great action packed or science fiction movie that appears to foreshadow the direction our country is going when it comes to technology, global geo-political-military affairs, or the human condition and how we relate to each other.  Whether it’s Soylent Green and the … Continue reading Your Cyberspace Assets

Decluttering For Dollars

Wow!  My heart jumps with just a little bit of excitement when I discover some cash in the pocket of a jacket that I have not donned for a couple of years.  Have you ever picked up laundry from your local drycleaner to find a twenty-dollar bill pinned to the claim check!? Winning!  (Insert visual … Continue reading Decluttering For Dollars


A waypoint is a point of interest or an intermediate stop along a journey.  Ideally, the relevant waypoints have been determined and the final destination has been identified BEFORE a journey begins.  What we have to remember is that in financial planning, as it arguably is with all planning, a waypoint is not a final … Continue reading Waypoints