The Phronesis Perspective

The Psychology of Money: Making Better Financial Decisions

Explore a topic that influences every financial decision we make.

Retirement Reinvented: Navigating Income, Longevity, and Lifestyle

Retirement isn’t what it used to be — and that’s a good thing.

Wealth with Purpose: Aligning Money and Meaning in 2026

Are you building wealth… but not sure what it's for? Design a plan that supports meaning.

Maximizing Employer Benefits in 2025

Stop leaving free money on the table! Learn how to max your 401(k) match, supercharge your HSA, and more.

What is a Financial
Second Opinion?

A second opinion can help uncover hidden gaps, optimize your investments, and help you reach your goals.

New Year,
New Financial Goals

Learn how to craft achievable financial goals, use the SMART method, and optimize your savings and investments.

Financial Bucket List Items to Check Off Before Age 60

From retirement planning to debt reduction, five essential financial goals you should aim for before turning 60.

Election Years and the
Stock Market

Election year market jitters? Don't get caught up in the hype, focus on long-term goals & avoid impulsive decisions.

Planning for Your Child's
Education

Proactive approaches to manage educational expenses, from exploring financial aid to strategic savings plans.

The Impact of Interest Rates on Investing and Retirement Savings

Curious about the link between interest rates and your retirement nest egg? Discover practical strategies.

Managing and Navigating
Financial Risks

We explore the multi-faceted nature of risk, and how personalized strategies can mitigate uncertainties.

Cyber & Information Security
and Retirement

The critical link between cyber and information security and their relevance to investing and saving for retirement.

Self-Managed or
Financial Advisor?

Richard and Matt tackle the age-old question: DIY investing vs. hiring a fiduciary financial advisor.

Active vs. Passive
Investment Management

Gain a deeper understanding of these investment strategies and uncover the key differences every investor should know.

How to Raise
Money Smart Children

See why it's important to teach your kids financial responsibility early, and to offer hands-on learning.

Active vs. Passive
Investment Management

Gain a deeper understanding of these investment strategies and uncover the key differences every investor should know.

The 411 on Leading
Economic Indicators

Learn how economic indicators can guide money managers and investors in predicting future economic trends.

2023
Year End Thoughts

With 2023 almost in the books, CEO and financial advisor, Richard C. Osman, shares some of his year end thoughts.

"Catch-Up"
Contributions

There are changes coming to the Secure Act 2.0's "Catch-Up" Contributions. These will now take effect in 2026, and not 2024.

Cash Reserve
411

Here's the 411 on the what, why, and how of a cash reserve and why it's your key to financial empowerment.

How Does the
Stock Market Work?

Learn how stock prices reflect supply and demand, not just a company's value, and gain insight into market inefficiencies.

What to Do After
a Loved One Dies

When a loved one passes away, the last thing you want to think about are the things you can’t afford to ignore.

Looking for a
Financial Advisor

When looking for a financial advisor, there is a lot more to consider than just finding someone that you like.

Fixing Just
One Thing

The one thing that needs to be "fixed" before moving forward with financial planning and investing.

A Financial
"Spring Cleaning"

Financial "Spring Cleaning:" Advice on what to keep, toss or donate when it comes to your finances.

The Secure Act
2.0

In this edition of the Phronesis Perspective, Richard addresses some of the top questions regarding the Secure Act 2.0.

The Markets and
the "R" Word

The markets and the “R ” word have many worried. What can we learn from a forest fire that can help put our minds at ease?