Michael Pottruff

09/03/2026

Your estate’s value on paper isn’t necessarily what your beneficiaries will ultimately receive.

Taxes, liabilities and other costs can all affect what’s actually passed on.

Understanding the difference between your estate’s value and its potential after-tax value can be an important part of planning the legacy you want to leave.

Swipe through to learn more.

08/28/2026

Retirement planning is a long-term process, and the factors that shape an investment strategy may evolve over time.

As retirement approaches, considerations such as time horizon, retirement income, withdrawal planning, and tax considerations may play an increasingly important role.

Understanding why investment strategies may change can provide valuable context for long-term financial planning.

What questions do you have about retirement planning? Share them below, or feel free to reach out if you'd like to continue the conversation.

08/27/2026

What does a market decline actually mean for you?

A market decline doesn’t necessarily mean your long-term plan is off track. Your goals, time horizon, and financial circumstances can help put short-term performance into perspective.

Have questions about your investment strategy? Feel free to reach out.

08/26/2026

Your emotions may be influencing your investments more than you think.

Fear, excitement, and overconfidence can affect how we view our investments and the decisions we make. Sometimes, the urge to make a change comes from how we’re feeling in the moment rather than a change in our financial goals. Recognizing this can help separate an emotional reaction from a decision based on your long-term plan.

Read the article below to learn more, or contact me to discuss your investment strategy and long-term goals.

08/24/2026

💡 4 Common Investing Misconceptions

Some investing ideas are repeated so often that they can be mistaken for facts.

Here are four common examples:
💰 Investing is only for the wealthy.
🛡️ Cash is always safer.
📈 You need to predict the market to be successful.
⚖️ More risk always means better returns.

Understanding common investing misconceptions can help build a stronger foundation for making informed financial decisions. If you’d like to discuss your financial goals or investment strategy, feel free to get in touch.

08/22/2026

Time in the Market V.S Timing the Market

What if waiting for the “right time” to invest is actually part of the problem?

It can be tempting to wait for markets to fall before investing, or to sell with the intention of getting back in at a better time. The challenge is that doing this successfully requires getting multiple decisions right, including when to leave and when to get back in.

That’s why the amount of time spent invested can be an important consideration when thinking about long-term financial goals.

Read the article below for a more in-depth look at time in the market versus timing the market or contact me today to discuss your investment strategy and long-term goals.

08/21/2026

Registered vs. Non-Registered: What's the Difference?

Where you hold an investment can be just as important as what you invest in.
Registered accounts can offer tax advantages but come with specific rules and limits. Non-registered accounts offer greater flexibility, but investment income and realized gains may be taxable.

Understanding these differences can help explain how investment strategies are structured. Have questions about registered and non-registered accounts? Share them below or feel free to reach out.

08/20/2026

Risk tolerance and risk capacity are often used interchangeably, but they represent two different aspects of investing.

Risk tolerance is how comfortable you are with investment risk and market fluctuations.

Risk capacity is how much risk your financial situation can reasonably support.

Your goals, time horizon, and financial circumstances can all play a role. Are your risk tolerance and risk capacity aligned? Share your thoughts below, or feel free to reach out.

08/19/2026

When markets drop, your first instinct may not always be your best one.

Market ups and downs are a normal part of investing, but that doesn't make them easy to navigate. When markets become uncertain, it can be tempting to focus on what's happening right now rather than the bigger picture.

Understanding volatility and how it can influence investment decisions can help you make sense of these periods and stay focused on your financial goals.

Read the article below for a more in-depth explanation, or contact me today to discuss your investment strategy and long-term goals.

An article to answer all of your burning questions about market volatility.

08/18/2026

Why Investment Portfolios Aren't Just "Set and Forget"

When people think about investing, it's easy to assume that once a portfolio is built, you can simply leave it alone.

In reality, markets change, investments perform differently over time, and personal circumstances can evolve.

That's why investment portfolios are reviewed periodically—not because changes are always needed, but to help determine whether an investment strategy continues to reflect an investor's financial goals, time horizon, and risk considerations.

Sometimes a review confirms everything is still on track. Other times, it may identify areas worth discussing.

Every investor's journey is different. If you'd like to discuss your financial goals or investment strategy, I'd be happy to help. Feel free to get in touch.