Wozny Capital Advisors

10/29/2026

There's a reason restaurants take reservations.

A process creates order. It helps manage limited space, competing demands and a lot of uncertainty.

But anyone who has actually run a busy dining room knows the reservation book only gets you so far.

Someone arrives early. Someone stays late. A table opens unexpectedly. Another doesn't.

At that point, the job changes from following the plan to using judgment.

I've been thinking about that distinction lately because it applies to far more than restaurants.

Processes are useful. Rules are useful. But real life rarely follows the score exactly as written.

Sometimes you need the orchestra.

Sometimes you need a little jazz.

In "The Reservation Dance," I look at what happens when the process meets reality - and why judgment still matters.

There's a reason restaurants take reservations. A process creates order. It helps manage limited space, competing demands and a lot of uncertainty. But anyone who has actually run a busy dining room knows the reservation book only gets you so far.

10/28/2026

Bees. Sheep. Restaurant reservations.

I realize that may not sound like a particularly obvious path toward

financial planning.

But there has been a reason for the wandering.

This year, I've spent a lot of time writing about how we make decisions, how we respond to uncertainty and what happens when a simple rule runs into a complicated reality.

Those questions sit underneath an awful lot of financial decisions.

There are plenty of things we can calculate. The harder questions usually sound more like:

Should I pay off the mortgage?
When should I retire?
When should I claim Social Security?
How much can I comfortably spend?
Does the conventional advice actually make sense for me?

The answer is often, ""It depends.""

I don't think that should end the conversation.

I think it should start it.

My latest piece connects some of the ideas I've been exploring this year to the financial decisions we actually have to make.

"So, What Does This Have to Do With Your Money?"

You may have felt like my writing has wandered a bit this year. And I wouldn’t blame you. After all, bees, flocks of sheep and restaurant reservations — really? There has been some financial planning mixed in along the way, but the idea was to spend some time thinking about how you make decision...

10/26/2026

"It depends" may be one of the least satisfying answers in financial planning.

It's also often the most useful.

Should you pay off your mortgage before you retire?

When should you claim Social Security?

How much can you comfortably spend?

There are rules of thumb for all of these questions. And those rules can be helpful starting points.

But a starting point isn't the same thing as an answer.

Your income, taxes, goals, family, timeline and tolerance for uncertainty can all change what makes sense.

So when the answer is "it depends," I don't think the conversation has stalled.

Usually, that's where the real planning begins.

10/23/2026

It's that time again. Should you change your Medicare coverage this year?

10/21/2026

It's Medicare open enrollment.

It runs from October fifteenth through December seventh, and it's that annual time when you can take a look at your Medicare plan, your supplement plan, your drug plan, and determine whether or not you need to make any changes because last year's plan may or may not work for you.

But if you want some help navigating that, we've got a free checklist: https://www.wozcap.com/insights/should-i-change-my-medicare-coverage-during-open-enrollment

10/19/2026

You've probably heard the phrase "this is not financial advice" so many times that it barely registers anymore.

But there's actually an important distinction behind it.

General financial information can be useful. It can help you understand an idea, ask better questions or think differently about a decision.

Advice is different.

Real advice requires context.

Your goals. Your income. Your taxes. Your family. Your timeline. The other pieces of your financial life that can completely change what a sensible decision looks like.

That's why the same answer isn't right for everyone.

In this video, I explain why useful financial information and personal financial advice aren't quite the same thing.

10/15/2026

… I've spent this year writing about bees…I've spent this year writing about bees, sheep, restaurant reservations, and a strange territory for a financial advisor.

Link to article: https://www.wozcap.com/insights/should-you-own-your-home

10/08/2026

10/08/2026

There's always something competing for an investor's attention. An earning report. A geopolitical headline. A market valuation that looks unusually high or low. These things matter, but perhaps not in the way the daily news cycle would have us believe.

Over 30+ years in this business, I've seen plenty of headlines that felt significant in the moment. One of the most useful lessons I've learned is to separate what's interesting today from what's important to a long-term plan.

In this article, I look at three factors that tend to receive a lot of attention, and why long-term investors may be better served by keeping their focus on the bigger picture.

10/02/2026

What issues should you consider when inheriting a Traditional or ROTH IRA?

This flowchart may help you navigate this common financial situation.

Still have questions? Feel free to reach out.