getting a second opinion on your financial plan is probably just as important as getting a second opinion before you're going to go do a surgical procedure.

We hear this conversation all the time about markets being overheated, being overvalued. But that's really a function of time, right? So do markets go up, do markets go down? Absolutely.

Time horizon is different for each person. If you're in your 20s, you have a very different time horizon than someone who might be in their 30s, 40s, 50s, 60s, or 70s. So time horizon is specific actually to what you need the money for.

While bonds have historically been an important part of everybody's portfolio, you must understand that a bond, which represents debt, produces a fixed return on its coupon.

People have built significant wealth in non-traditional assets like Ethereum, Bitcoin, altcoins, and blue chip NFTs like BAYC and Punks, but if you die (rather, when you die), what happens to those assets?

Julian Schubach is honored to be a recipient of The American Bankers Association’s Under 40 Awards in Wealth Management. This award recognizes wealth management and fiduciary professionals who are committed to the highest standards of achievement at work and in their communities.

Clearly, the needs of retirees, who are busy spending down their retirement savings, are quite different from the needs of employees, who are (or should be) busy building up their retirement savings.

If you ask experts when it makes sense to start saving for college, they tend to agree most families should save as early as they can. This is partly due to the fact college is expensive, but it's also because the cost of higher education seems to go up every year.

Index funds are recommended by billionaire Warren Buffett and are often touted as one of the most popular ways to reach FIRE (Financial Independence, Retire Early).

While 401(k) plans typically come with benefits that promote long-term saving, you might find some drawbacks as well. Understanding the potential downsides of 401(k)s can help you better plan for your financial future.