Blog
Here you'll find articles and blogs written about various financial topics, current events, and TeamTyo itself. If you want to learn more about how TeamTyo approaches financial planning and understanding the markets this is the best place to start.
Practice Update: Alex is Moving On
Normally a practice update is a time of excitement where I can talk about the next big development here at Team Tyo, but today I have sad news to bread. My Junior Partner, Alex Cal, will be leaving the practice. Alex and I have...
Read MoreWhat Can the Government Do About Inflation?
Whenever a problem effects society, it’s a common refrain to ask government to try and fix it. Today, I want to talk about what the government can do to reduce inflation. A blunt instrument The causes of inflation are complicated...
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What’s Going on With the Banks?
Last week the US saw the second and third largest bank failures in history. I’m sure it’s left many of you wondering: What is going to happen next? Do I need to be afraid? Let’s dig into what happened and then answer...
Read MorePortfolio Update
With the crazy rollercoaster ride in the markets, Matt and I wanted to share some changes we’ve made to the portfolios. Before diving in, please remember volatility is completely normal and healthy in a dynamic economy, even if...
Read MoreThe World Doesn't End All the Time
Wednesday was a gut punch of a day across the financial markets, and I’m sure like me you’re all tired of the negative financial news. I can’t promise everything will be positive anytime soon, but I can tell you...
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TeamTyo Summer Reading Recommendations
It’s the height of Summer here in New England and along with BBQ’s, beach days, and much needed time off work and school, that means Summer Reading lists. Schools, magazines, news organizations, heck even accounting firms...
Read MoreThe Chemistry of the Markets as the Selloff Continues
We’re set for another rough day in the financial markets and, Alex and I have been grappling with the questions of how this started and why. We think we’ve found our answer by looking at our predictions and a little chemistry...
Read MoreWork, Fun, & Balance
“Do what you love” “Pursue your passions” “If you do what you love you’ll never work a day in your life” I’ve always disliked sayings like these. Whenever I hear them the flinty New...
Read MoreHave You Made a Time Budget?
I loudly and frequently tout the advantages of having a budget. It’s easy to see the benefits of tracking and setting limits to your spending with the aim of having a happier and less stressful financial life. But what happens...
Read MoreQuarterly Update: Team Expands, Portfolio Changes, and Looking Ahead
It’s been quite a quarter and I’m particularly excited to share with you all that’s been going on behind the scenes. First, I’d like to introduce you all to my newest team member, Alex Cal. Alex is a fully...
Read MoreHow to Get Rich Quickly
I’ve been getting this question more often recently, generally from younger folks: “How can I get rich?” Generally, they’d like this to happen as quickly as possible. Now, it’s easy enough to write this...
Read MoreThe Teacup Part II
If you missed part one, please check it out here before continuing with this part two. Now that you’ve had a bit of time to sit with one of my favorite Zen stories, let me tell you why I hold in such high regard. For me, the...
Read MoreThe Teacup
I was told this story by my confirmation teacher a long time ago, but it’s one I often think about. I’ll give it you here with only minor changes to help with brevity and due to gaps in memory. While My Teacher was...
Read MoreTen Year Retrospective Part I: The People
This March marked my tenth anniversary as a Financial Advisor. To celebrate this decade milestone, I’m taking a look back over the years and doing some retrospective write-ups. I’ve decided to start by looking at the people...
Read MoreIt's Important to be Wrong
It’s easy to get the impression that we all have to be right 100% of the time. When we see high profile individuals on TV, whether in business or politics, it seems the script is to deny you were ever wrong and insist that you...
Read MoreFirst Quarter Practice Update
First Quarter Practice Update The first three months of the year are behind us and already a great deal has changed. For the first time in over a year I feel like I can see the light at the end of the COVID-19 tunnel. With many of my...
Read MoreI'm a Boring Financial Advisor
It’s true, and I’m not sorry to say it. I’m a boring Financial Advisor. I came to this realization not too long ago while having a casual conversation with a new acquaintance. We got to the part in small talk where...
Read MoreCold and Alone
I was probably ten years old. On a backpacking trip in the White Mountains with my father and uncle, we hit the trail with high spirits. that is until we saw the trail snaking forward. We'd seen the incline on topographical maps before...
Read MoreCast Iron, Soap, and Received Wisdom
"Don't use soap on your cast iron!" It's a piece of advice so common that it turns up on TV shows and the internet has made a meme about it. It's advice I've given and heeded myself over the years, until one day I broke this first and...
Read MoreIt's All Connected
The Tip of the Iceberg Nature is the best teacher. A lesson I've learned many times over, most recently when my wife and I bought our house almost five years ago. The yard was a bit worse for wear, so I set about trying to impose order...
Read MoreResolutions? Try this instead!
It’s a new year and that means New Year’s Resolutions. While I enjoy the idea of setting goals for the new year, I dislike the specificity of normal resolutions. I feel it sets you up for failure and normally quick failure....
Read MoreRemember to Breathe
When I’m sitting painting my models, sometimes I catch myself being so focused on getting the paint just right that I realize I’ve been holding my breath. The funny thing is that by holding my breath I’m actually...
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My Secret for a Satisfying Retirement
I recently asked someone how they would define retirement. "Not having to work anymore," they said. I think that's what most people would say, but I don't think that's the best way to think about it. After all, do you really want...
Read MoreHow Are You Giving This Season?
This time of year, along with the constant reminders of flash sales and special door buster deals, my inbox starts to fill with pleas to give. Charities and organizations local, national, and international know this is a time of year...
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3 Simple Tips to Control Holiday Spending
3 Simple Tips to Control Holiday Spending They say, “It’s the most wonderful time of the year”, but for many this represents a time of overspending followed by remorse and hardship in the New Year. Especially in a...
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Eat Your Vegetables!
Eat Your Vegetables, Stick to Your Budget I caught myself saying, “Eat your vegetables” to my kids the other day, and every time I’d heard that said to me flashed before my eyes. “Eat your vegetables” is...
Read MoreDo I Need a Financial Advisor? Ask These 4 Questions
When people find out my profession, I often get asked the question, “How do I know if I need a Financial Advisor?” To be fair, no one needs an advisor like we need food or water, but some people certainly benefit much more...
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3 Lessons from the Garden for Your Finances
Gardening is my favorite hobby and certainly the most rewarding. Walking around the yard hearing the hum of the bees and seeing the butterflies fly never fails to give me a sense of calm. But I’ve learned gardening is no bed of...
Read MoreThe Consumer Will Decide the Shape of the Economic Recovery
We hope you are enjoying the summer and staying healthy in these trying times. Now that we are officially in a recession, we are looking for clues on how long we will stay in it and what the recovery will look like. The good news is...
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