The Phronesis Perspective Your most pressing financial questions, answered! As an experienced Certified Financial Planner™, Richard C. Osman is qualified to take the mystery out of complex financial issues with the Phronesis Perspective. Watch Richard's short videos to hear his thoughts on various financial topics of interest. The Secure Act 2.0 and "Catch-Up" Contributions November 2023There are changes coming to the Secure Act 2.0's "Catch-Up" Contributions. The original changes were amended on August 25, 2023 to now take effect in 2026, and not 2024. Cash Reserve 411 October 2023 Learn the what, why, and how of a cash reserve. From emergency readiness to seizing opportunities, it's your key to financial empowerment. How Does the Stock Market Work? September 2023Learn how stock prices reflect supply and demand, not just a company's value, and gain insight into market inefficiencies in this month's Phronesis Perspective. What to Do After a Loved One Dies August 2023 When a parent, a spouse or a close relative passes away, the last thing you want to think about are the things you can’t afford to ignore. Looking for a Financial Advisor July 2023 When looking for a financial advisor, there is a lot more to consider than just finding someone that you like. Fixing Just One Thing June 2023The one thing that needs to be "fixed" before moving forward with financial planning and investing. Financial "Spring Cleaning" May 2023Financial "Spring Cleaning:" Advice on what to keep, toss or donate when it comes to your finances. The Secure Act 2.0 March 2023In 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 February 2023The markets and the “R ” word have many worried. What can we learn from a forest fire that can help put our minds at ease? Visit our YouTube Channel for more videos.