Redeem Financial Group

Redeem Financial Group We exist to help you align your financial resources with what you value most.

Studies of individual investor returns consistently show a meaningful gap between what investors earn and what their fun...
08/07/2026

Studies of individual investor returns consistently show a meaningful gap between what investors earn and what their funds earn.

Not surprisingly, the only difference between those two numbers is the investor’s behavior — selling during drawdowns, buying during rallies, getting in and out at the wrong moments.

The good news is that the only thing you have to do to earn the full return the fund has to offer is to own it and never sell.

It is that simple, but that doesn’t mean it will always be easy.

Imagine I handed you a coin and told you it lands heads 74% of the time. When it lands on heads, you win an average of 2...
08/06/2026

Imagine I handed you a coin and told you it lands heads 74% of the time. When it lands on heads, you win an average of 21.4% of your stake. When it lands on tails, you lose an average of 13.4%.

Would you flip the coin?

Most people would flip it as many times as they were allowed.

It won’t surprise you to know that the coin I just described is the S&P 500 since 1926.

Same coin. Same odds. And yet when it lands tails — even once — many investors put the coin in a drawer and walk away.

History doesn’t promise the next flip will be heads. But it does say the long-run odds have favored the ones who kept flipping.

07/31/2026

We are starting a new thing! Here is Redeem’s quarterly market review. Houston guides our clients through our thoughts process on how we view markets and how we position our portfolio. We hope you enjoy!

Market volatility is often framed as something investors must endure.But it can also be something investors use.When mar...
07/22/2026

Market volatility is often framed as something investors must endure.

But it can also be something investors use.

When markets decline, several planning opportunities can appear:

Rebalancing portfolios.
Tax-loss harvesting.
Roth conversions.
Putting available cash to work.

None of these eliminates volatility.

But they can help turn periods of uncertainty into moments of action rather than reaction.

07/16/2026

What would your 90-year-old self thank you for doing right now?
Not what you’d regret — what you’d be grateful for. The trip while you can still climb the stairs. The hard conversation while the relationship’s still repairable. The time with aging parents.
None of it feels urgent. All of it matters more than your inbox.
The gap between what fills your calendar and what your future self would thank you for — that’s where the real work starts.

The two hardest things to do as an investor:1) Sell an asset that’s been going up.2) Buy an asset that’s been going down...
07/16/2026

The two hardest things to do as an investor:

1) Sell an asset that’s been going up.
2) Buy an asset that’s been going down.

Both feel wrong every time, but this is what “buying low and selling high” is all about.

While doing this on any given day may seem incredibly difficult on the surface, a systematic rebalancing approach can do this for you without you having to make a single buy or sell decision.

And when done consistently across decades, rebalancing has historically been a meaningful source of returns.

07/15/2026

The best retirement plans don’t just ask “can you afford to retire?” They ask what you’ll actually do once you do.
For most people, work has been their identity for decades - Where they spend their time, how they introduce themselves, what gives their week structure. When that ends, something has to fill it.
The retirees who do this well don’t retire from something. They retire to something. The ones who skip this step often feel great for six months, then quietly unmoored.
A retirement plan worth its salt considers both questions. Save this for your next planning conversation. 📌

When the market is hitting new highs on a regular basis, many investors tend to get wary about putting money to work, an...
07/15/2026

When the market is hitting new highs on a regular basis, many investors tend to get wary about putting money to work, and might even consider getting out of the market for a while.

They think “the market is too high” is a prudent reason to sell.

When faced with this decision point, there’s a quote (paraphrased) that I return to again and again from Nick Murray in response. Mr. Murray said,

“If you think the market is too high right now, wait 20 years.”

One look at a long-term chart of the market and you will find the truth of this quote to be self-evident.

07/13/2026

Stop checking the price. Start counting your shares. 📈
Most investors obsessively track one of the wrong numbers — daily price moves, percentage swings, portfolio value. It might be interesting, but it’s rarely useful. In fact, it’s usually the source of the most emotional, behavioral mistakes investors make.
Here’s the number that actually matters: how many shares you actually own.
Every share is a claim on a real business. Your portfolio is nothing more than a collection of those claims. The steady, patient accumulation of shares — not the noise of daily prices — is the real mechanism behind long-term wealth building.
Zoom out. Own more. Let time do the rest.
💬 Which number are you watching — price or shares? Tell me below.

Imagine you’ve just been told a major market drawdown is coming. You don’t know exactly when, just sometime in the next ...
06/16/2026

Imagine you’ve just been told a major market drawdown is coming. You don’t know exactly when, just sometime in the next few years. You also don’t know how bad; it could be 20%, or 50%. You just know it’s coming.

Now imagine you have to design your portfolio with that information in hand. What would you do? You can’t very well sell out of the market, because the decline could be a few years off, which could cause you to miss out on some incredible gains in the meantime. But you can’t do nothing either.

A few questions you’d probably want an answer to: How much money will I need to live on during the drawdown? How long should we expect the bear market to last? If I had to sell something during that period, what would I be willing to sell?

These are the exact questions a thoughtful portfolio process is designed to answer before a drawdown ever arrives, and they deserve answers.

Because here’s the thing. We know a decline is coming. Bear markets are common. While we’ve been enjoying a long bull market for quite some time now, historically, we should expect a bear market about once every four years.

We just can never know the timing. This gets to the heart of why short-term assets matter.

They are our source of liquidity when the big, bad (but historically temporary) bear market shows up. They provide us with the confidence to ride out declines and uncertainty.

In other words, they “create the conditions for patience to exist” when patience is what is most needed.

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Gilbert, AZ
85295

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