Michael Guldin, CFP, Financial Advisor - Stifel

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In an environment where the media stokes fear and uncertainty, our goal is to provide clarity by filtering the noise from Wall Street to clearly identify, develop and implement a strategy that meets your short, middle and long-term goals.

Your 30s and 40s are when everything lands at once. Advancing your career, raising children, caring for aging parents, ...
10/19/2026

Your 30s and 40s are when everything lands at once.

Advancing your career, raising children, caring for aging parents, and somewhere in there you’re supposed to build a financial plan.

Last Wednesday, attorney Catherine Sears with Gross McGinley, LLP and I hosted “Navigating the Messy Middle” in Allentown to talk through the things this stage of life tends to push aside:

→ Saving for your kids and which accounts to prioritize
→ Why liquidity matters when expenses are at their peak
→ The estate planning myths younger families believe

These come up constantly with this group.

People in their 30s and 40s get overlooked, and they’re some of the most rewarding people I get to work with.

I watched Andrew Ross Sorkin tell 60 Minutes that a crash is coming. I do this for a living and I still felt it. He comp...
10/12/2026

I watched Andrew Ross Sorkin tell 60 Minutes that a crash is coming. I do this for a living and I still felt it.

He compared today to 1929: a long run-up, rising debt, and everyday people being invited into riskier investments. Then he said he can’t tell you when or how deep.

For a second, I wondered if I should move to cash.

I didn’t, because my money is in buckets with jobs and dates.

What I need soon sits safe. What I won’t touch for 20 years has the time to ride out a crash, like it has every time before.

That took me about a minute to work through.

But a 48-year-old with two kids in high school, sitting on the couch on a Sunday night, who has been saving for years.

They hear the same words and lie awake wondering if retirement is still possible with college bills coming first.

Your 30s and 40s can feel chaotic, but the decisions made during these years often have the biggest impact on your abili...
10/07/2026

Your 30s and 40s can feel chaotic, but the decisions made during these years often have the biggest impact on your ability to make work optional down the road.

Join Catherine Sears and me for a casual, informative discussion on financial and estate planning topics during life's messy middle. If you're interested, send me a message!

$46 for this picture from the San Diego Safari Park.The second I swiped my card, I knew it was a mistake.In my head, I h...
09/24/2026

$46 for this picture from the San Diego Safari Park.

The second I swiped my card, I knew it was a mistake.

In my head, I had it all justified. "We'll never be here again." "It'll make a good memory."

It was a perfect example of impulsive, emotion-driven decision making leading to a poor financial outcome.

I took 100 other pictures on my iPhone. Those memories were free.

But hey, this one will look great on the fridge.

"How was your day?" gets me "Good." "What did you do today?" gets me "Umm... nothing." But "What was something you enjoy...
09/23/2026

"How was your day?" gets me "Good."

"What did you do today?" gets me "Umm... nothing."

But "What was something you enjoyed about the book you read today?" gets me ten minutes on her teacher, her friends, and everything else I actually wanted to know.

Turns out that's not just a parenting trick.

During introduction meetings, "When do you want to retire?" gets a number.

"What's one thing about your relationship with money that you’re not happy with?" gets the real conversation.

52% of Gen Z investors have redirected money originally intended for investing towards sports betting in the past year. ...
09/17/2026

52% of Gen Z investors have redirected money originally intended for investing towards sports betting in the past year.

A 32 year old doing that with just $200 a month. Invested at a reasonable long-term return of 8%, that $200 a month over 30 years grows to roughly $300,000.

Put into parlays instead, the expected value is negative.

Time is the most valuable asset, and one every retiree wish they had more of.

A few extra percentage points of return can't make up for losing decades of it.

That $300,000 doesn't come from a hot streak.

One of the biggest regrets I hear from retired clients: they wish they'd spent more time and money on their kids while t...
09/15/2026

One of the biggest regrets I hear from retired clients: they wish they'd spent more time and money on their kids while they were working.

A client had a 98% chance of not outliving their money.

They'd spent years being cautious with money they didn't need to be that cautious with.

If they'd known that number 15 years earlier, they would've scheduled annual trips with their 2 kids without thinking twice.

You hit every number and still don't spend on what you actually want because nobody showed them the math that says it's okay.

We flew cross-country last week with our kids to visit family in CA. I was worried a 5 hour flight with two kids under 3...
09/10/2026

We flew cross-country last week with our kids to visit family in CA.

I was worried a 5 hour flight with two kids under 3 would be a disaster.

But it wasn't because we didn't wing it.

Snacks packed at home. Sticker books for the middle stretch. A downloaded movie in reserve.

We had a plan for every stretch so nothing caught us off guard.

Your relationship with money is no different.

Give every dollar a job before it lands so when the market drops or a bill blindsides you, you're not scrambling. You already packed for it.

The calmest families I work with are the ones who decided in advance what every dollar was for.

$972,000 to $698,000. In one year.That's the portfolio someone shared on Reddit that I stumbled on earlier this week.Bad...
08/27/2026

$972,000 to $698,000. In one year.

That's the portfolio someone shared on Reddit that I stumbled on earlier this week.

Bad trades, can't find their "mojo" again, and now they're sitting on a loser they refuse to sell because they don't want to lock in the loss.

So they're just holding and hoping.

A 28% loss in a year the S&P is up double digits.

They’re still holding that losing position because selling feels like admitting they were wrong. It’s classic behavioral finance.

Nobody plans to lose 28% chasing their mojo back.

This was a good reminder of why what we do as advisors is so important.

Dave Ramsey says there's no responsible way to use a credit card.I disagree, and my bank statement backs me up.Debit car...
08/21/2026

Dave Ramsey says there's no responsible way to use a credit card.

I disagree, and my bank statement backs me up.

Debit card fraud hits your actual cash. It's gone instantly, and you're waiting on the bank while your bills are still due.

Credit card fraud hits the bank's money. You dispute it, you're liable for very little, and your life keeps moving.

I check my spending a couple times a year using the summary my credit card builds for me.

I know exactly where my discretionary dollars go, down to how much I embarrassingly drop on groceries. This makes it easier to make spending habit changes.

Ramsey's advice is right for someone with zero discipline. He's talking to millions of people who need that guardrail.

But being discipline changes that. It’s allowed us to use our points to cover flights and hotels I never touched cash for.

Discipline is the variable Ramsey can't build into his advice.

Address

3701 Corporate Pkwy # 110
Center Valley, PA
18034

Telephone

+15702003060

Website

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