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How to Update Your Plan Inputs Each Year

A guide to updating your financial plan inputs for Hesperian's ongoing planning clients.

Tiller: One of Hesperian’s Favorite Budget Apps

We recommend everyone use a budgeting app to track expenses. And Tiller is a great option, especially for those comfortable with spreadsheets.

Review of the New Vanguard Cash Plus Account

I review a new cash management option to get more of your cash reserves working for you.

How I Learned to Stop Worrying and Love Recessions

While we currently think economic risk is high today in the United States, recessions can just as well mean opportunity.

The Truth About Economic News Headlines

GDP growth and jobs reports are commonly reported in the economic news. But these data points have little predictive power for investors.

A Summary of Hesperian’s Investment Views

Beyond our tactical investment views, Hesperian would emphasize how powerful a diversified portfolio can be.

A Simpler Account Management Framework

Consider simplifying your financial life by merging accounts of the same type and rolling over old retirement plans.

How to Update Your Plan Inputs Each Year

A guide to updating your financial plan inputs for Hesperian's ongoing planning clients.

Tiller: One of Hesperian’s Favorite Budget Apps

We recommend everyone use a budgeting app to track expenses. And Tiller is a great option, especially for those comfortable with spreadsheets.

Review of the New Vanguard Cash Plus Account

I review a new cash management option to get more of your cash reserves working for you.

How I Learned to Stop Worrying and Love Recessions

While we currently think economic risk is high today in the United States, recessions can just as well mean opportunity.

The Truth About Economic News Headlines

GDP growth and jobs reports are commonly reported in the economic news. But these data points have little predictive power for investors.

A Summary of Hesperian’s Investment Views

Beyond our tactical investment views, Hesperian would emphasize how powerful a diversified portfolio can be.

A Simpler Account Management Framework

Consider simplifying your financial life by merging accounts of the same type and rolling over old retirement plans.

How I Learned to Stop Worrying and Love Recessions

While we currently think economic risk is high today in the United States, recessions can just as well mean opportunity.

The Truth About Economic News Headlines

GDP growth and jobs reports are commonly reported in the economic news. But these data points have little predictive power for investors.

A Summary of Hesperian’s Investment Views

Beyond our tactical investment views, Hesperian would emphasize how powerful a diversified portfolio can be.

A Simpler Account Management Framework

Consider simplifying your financial life by merging accounts of the same type and rolling over old retirement plans.

Better Cash Management: Simplify Your Financial Life

We describe a cash management framework that can simplify your financial life and reduce the number of accounts you have to keep track of.

Carbon Solutions Investing: An Introduction

Impact investors can now invest in Carbon Solutions to support the green transition and potentially earn an attractive return in the process.

An Update on Hesperian Giving Back in 2023

An update on how Hesperian Wealth is giving back.

Expensive Stocks & Higher-Yielding Bonds

An expensive US stock market poses risks, but bonds are finally offering an asymmetric risk/return opportunity in investors' favor.

The Importance of Year-End Planning

The planning opportunities available to close out the year.

Make Charitable Donations the Tax-Smart Way

Do you make sizable charitable donations? Here's how a plan can help you maximize the tax benefits of giving.

Home Prices and Mortgage Rates: What’s Going On?

Home prices have dipped a little, but in 2023 have actually appreciated. What comes next? Bubble, crash, or stability? Here's our perspective.

Mid-Year 2023 Impact Investing Update

An update on Hesperian's latest impact research and activism and also a discussion of current events going on in the impact investing world.

Investment Commentary—Second Quarter 2023

For those interested, in this quarter’s investment commentary I try to briefly summarize my market views, with charts and extended analysis.

Charitable Clumping For Young Savers

Charitable clumping is a tax-optimization technique used by the wealthy. But it can work for young savers too to generate big tax savings.

Better Than High-Yield Savings Accounts: Investing When Cash Is King

You can now get a decent return on high-yield savings accounts. But there are attractive investment alternatives to banking products.

Banking & Debt Ceiling Crisis—First Quarter 2023 Commentary

A banking crisis and a debt ceiling fight on top of already elevated recession risk? Here's why it matters to your portfolio.

Year-End Financial Planning

Year-end is the time to think about certain seasonal financial planning opportunities. Here's how we can lend a hand.

Happy Holidays 2022!

We wish all our clients a happy holiday season. We also want to thank them for their trust in us and for making it possible for us to give back.

Investment Commentary—Year-End 2022

The year 2022 has been an awful one for investors. While inflation risk seems to have peaked, we think recession approaches. Here's our latest investment thinking.

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