A client asked me a good question recently, and it's one I hear often enough that I figured it deserved a post. There were a few planned expenses on the calendar for this particular client for the coming year (the fun kind, the kind you work your whole life to be able to afford). The question was whether to ask for the money a little at a time as …
When the Paycheck Stops, Where Does the Income Come From?
Last week somebody asked me the question that most conversations about living off savings start with: How do we get the portfolio to pay us an income without touching the principal? It usually shows up right when a paycheck is ending, which is exactly when it feels most urgent. I understand the instinct. For decades the rule was simple. You …
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Don’t Throw the Baby Out With the Bathwater: AI Can Help You Become More Financially Informed
There is no shortage of troubling news about artificial intelligence: inaccurate answers, privacy concerns, energy use, and the growing influence of large technology companies. Those concerns are real, and they deserve thoughtful attention. But I also want to say this clearly: AI—especially conversational tools such as ChatGPT and Claude—can be …
Rational at the Highs?
MARKET NOTES MAY 2026 PWJohnson Wealth & Legacy Crude is above $100, inflation is sticky, and central banks are tightening again — yet equities keep printing records. That looks like complacency. The numbers say otherwise. ~7 min read The …