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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.

Cyber & Information Security and Retirement

We delve into 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?

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