This material is intended for general public use.  By providing this material, we are not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity.  Please contact one of our financial professionals for guidance and information specific to your individual situation.


Registered Representative and Financial Advisor of Park Avenue Securities, LLC (PAS). Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. WestPac Wealth Partners, LLC is an agency of The Guardian Life Insurance Company of America® (Guardian). Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is an indirect, wholly-owned subsidiary of Guardian. WestPac Weatlh Partners, LLC is not an affiliate or subsidiarie of PAS or Guardian. WestPac Wealth Partners, LLC is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor.

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Important Disclosures 2018-59429 Exp 5/20.






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July 10, 2018

Because I view myself first and foremost as a financial coach to my clients rather than a financial planner, I, myself have several coaches I pay and engage with on a regular basis.  The purpose is mainly to continue to learn about and work on my own human behavior and...

January 9, 2018

WHEN markets turn it can come as a complete surprise to even the most experienced person.  We often don’t know when the market has officially turned while we are in the midst of it.  It’s easy to look back in history and look year to year or even month to month and rec...

October 24, 2017

Before Google was “Google”, before Facebook was “Facebook”, before AutoZone was “AutoZone” and before WalMart was “Walmart”, those names meant literally nothing to any of us. Seriously, what’s in a name? I mean what in the world is a “Twitter” or a “McDonalds”? By them...

July 14, 2017

One thing the human animal is notoriously bad at is learning from our own history.  I think this is because we are emotional creatures, not logical ones.  If we were truly logical beings, then we could analyze a data set and then only repeat good outcomes.  This wouldn...

June 19, 2017

Funny title for a financial blog huh?  As always, there is a backstory to it.  My 7-year-old boy recently started training Jiu-Jitsu. For anyone unfamiliar with this practice, it involves a lot of grappling, take-downs and submission holds.  If you’ve ever seen an MMA...

April 26, 2017

Everyone falls in love with an idea. The idea of being fit. The idea of having a loving and joy filled marriage. The idea of raising responsible and capitalistic children. The idea of having an abundant financial life. But only 10% of America will pay the price for tho...

March 23, 2017

We hear about “1 percenters” in the context of those who make a 1% tier income.  I want to talk to you about a different group of 1% people.

I’ve never watched The Matrix all the way through (fun fact: I played Keanu Reeve’s brother in the 1987 film The Prince of Pennsy...

December 14, 2016

Ask a group of people to raise their hand if they think they are a below average driver.  Hardly anyone raises their hand when asked that question because most people think everyone ELSE has the problem.  But by definition, half of the drivers in America are below aver...

December 14, 2016

I first heard that phrase in 1992.  My high school baseball coach used it as a response to some question.  I had no idea what he was talking about but it sounded pretty cool so I began using it too.  I probably used it in some very inappropriate situations…like when a...

November 15, 2016

I have written before about what I refer to as Lifestyle Addiction™.  Simply put this is an addiction to a Lifestyle to the point that, just like any addiction, if you were forced to no longer have that lifestyle, you would experience symptoms of withdrawal.  I’ve seen...

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October 24, 2017