Apprise Wealth Management

09/01/2026

What does retirement have to look like?

For many of us, the default answer is something like this:

You work until a certain date. Then you stop.

But life doesn't always have to change that way.

Sometimes you can turn the dial before you flip the switch.

That could mean working fewer hours, giving up some responsibilities, taking more time away, trying something new, or simply creating enough room to figure out what you want next.

I've experienced both approaches in my own life. There have been times when turning work down gave me more time for the people who mattered most. There have also been times when I eventually needed to stop preserving my options and commit.

That's part of what I explore in this week's blog.

The question I'd leave you with is:

What could you turn down in your life before deciding whether you need to turn it off?

Read the blog here: https://buff.ly/XNi3zm1

A retirement transition doesn't have to happen all at once. Learn how flexibility can help you discover what you want your next chapter to become.

08/31/2026

Living.
Changing.
Dreaming.
Giving.
Enduring.

Five ways money can support a life.

Which one matters most to you right now?

Request a complimentary copy of Even More Than Money: https://buff.ly/QhJhzrK

08/27/2026

I have a limited number of complimentary copies of Even More Than Money available.

I’m especially offering them to women navigating change or thinking about what they want the next chapter to make possible.

Request a copy here: https://buff.ly/QhJhzrK

08/25/2026

Good Returns Can Still Cost You

Strong investment returns tell only part of the story. Fees, taxes, and lost flexibility can materially change your financial outcome.

Good investment returns matter.

But they do not always equal a good financial outcome.

A portfolio can perform well while also creating significant taxes, carrying higher costs than you realize, or making future changes harder.

One example: two funds can both seek to track the S&P 500 while charging very different annual expenses.

At a $1 million balance, the difference between expense ratios of 0.54% and 0.03% equals about $5,100 for that year alone.

Then things can get more complicated.

If you have held the more expensive investment for years, selling it may create a large taxable gain.

And a portfolio with strong returns can still generate significant short-term gains that leave you with a sizable tax bill.

Taxes should not dictate investment decisions.

But you should consider them before the trade, not discover them afterward.

My latest article looks at what tax-efficient investing really means and why your investment return may tell you less than you think about your actual financial outcome.

Tax-efficient investing means looking beyond returns to fees, taxes, and flexibility. Learn what your investment statement may not show.

08/24/2026

What is your money for?

Not someday.

Now.

That question sits at the heart of Even More Than Money.

I have a limited number of complimentary copies available.

Request a copy: https://buff.ly/QhJhzrK

08/20/2026

A major transition can change the financial plan.

It can also change the life you are planning for.

What do I want now?

That question is one reason I contributed to Even More Than Money.

Request a complimentary copy here: https://buff.ly/QhJhzrK

08/18/2026

Sometimes waiting is the decision.

We usually think about the financial risk of acting:

What if I spend too much?
What if I retire too soon?
What if markets fall?

Those questions matter.

But there is another side that's harder to put into a financial plan:

What if you wait too long?

Health can change. People can become less available. Opportunities can disappear. The same money that could create something meaningful today may not create the same value years from now.

My latest article explores the risks on both sides of some midlife financial decisions.

And one question worth asking:

Am I waiting because I need to? Or has waiting become my default?

Some financial decisions in midlife become less valuable when postponed. We discuss how to weigh the risks of waiting against the risks of acting.

08/17/2026

Saving for the future matters.

So does knowing when to start living the life you prepared for.

When does preparing become living?

That is one of the questions behind Even More Than Money.

A limited number of complimentary copies are available.

Request a copy here: https://buff.ly/QhJhzrK

08/14/2026

When life changes, it can help to get the decisions out of your head and onto paper.

What needs attention now?

What can wait?

Where would help make the decision easier or better?

I created a one-page worksheet called The First 90 Days Financial Reset to help you sort those questions.

You can download The First 90 Days Financial Reset from the link in the first comment:

08/13/2026

You may have enough money.

But do you have enough life?

A major transition can leave you asking what you actually want next.

That question is at the heart of my chapter in Even More Than Money.

I have a limited number of complimentary copies available.

Request one here: https://buff.ly/QhJhzrK