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Most of us know we should be saving for retirement, but life has a way of getting in the way. Between running a business, raising kids, and trying to keep up with bills, saving for “later” can easily fall to the bottom of the list. But here’s the good news – it’s never too late to start. And every bit...

Financial planning isn’t just about the math. The numbers matter, but behavior and mindset determine outcomes. After two decades of working with business owners, retirees, and families, Todd Roselle has found that psychology often plays a bigger role than spreadsheets. These 8 truths reveal how values, emotions, and habits shape financial success and why aligning your money with what matters most is the real key to significance....

Financial planning isn’t just about the math. The numbers matter, but behavior and mindset determine outcomes. After two decades of working with business owners, retirees, and families, Todd Roselle has found that psychology often plays a bigger role than spreadsheets. These 8 truths reveal how values, emotions, and habits shape financial success and why aligning your money with what matters most is the real key to significance....

EBITDA is often used as shorthand for cash flow, but nothing could be further from the truth. EBITDA, or earnings before interest, taxes, depreciation, and amortization, is a metric that many believe reflects cash flow. What may have started as a rough estimate of cash flow for a specific industry has evolved into a widely used valuation metric across all...

Over the past decade, I’ve taken on a wide range of endurance challenges—from 5Ks and sprint triathlons to ultra marathons and full Ironman races. Each event has pushed my limits and, more importantly, taught me powerful life lessons. In this blog, I’ll share one of those lessons—and show you how it can transform the way you approach your personal finances....

Should your family’s legacy live within one trust or two? When it comes time to draft estate planning documents, a common question I hear is about whether it makes sense to have joint or individual trusts. Trusts are an unique planning tool that can help provide: As with most personal financial decisions – they’re more personal than finance so in...

If you’ve done the work of building a financial plan—truly building it, not just checking boxes—you’re ahead of the game. You’ve taken the time to think deeply about your goals, align your values with your dollars, and put a structure in place to help you move forward with intention. That’s not something most people do, and we see every day...

When most people think about their 401(k), the obvious benefits that come to mind are: building retirement savings through investments, employer matching (if available), and tax deferral. But there’s a lesser-known advantage that high earners and business owners should be aware of to ensure they are maximizing the benefit—the marginal tax bracket opportunity that comes with 401(k) contributions. This article...

Comparing your investment returns to the S&P 500 is like judging a restaurant’s success based only on its dessert sales—you’re ignoring the appetizers, entrées, and drinks that make up the full experience. Not to mention, you’re also not including the ambiance, food quality, quality of service and staff, etc. Wouldn’t you say that holds some weight in a restaurant’s success?...

President Donald Trump implemented tariffs as a strategic negotiating tool to address issues such as illegal immigration and drug trafficking, as well as to bolster U.S. manufacturing. Tariffs on Canada and Mexico: In response, Canada and Mexico agreed to a one-month delay in the implementation of these tariffs, committing to increased border enforcement and cooperation with U.S. efforts to address...