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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 2023
There 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 2023
Learn 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 2023
The one thing that needs to be "fixed" before moving forward with financial planning and investing.

Financial "Spring Cleaning"

May 2023
Financial "Spring Cleaning:" Advice on what to keep, toss or donate when it comes to your finances.

The Secure Act 2.0

March 2023
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

February 2023
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?

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