There are other risks we sometimes don’t think about. When an investor or financial advisor thinks about diversification, it is generally with market risk in mind. It’s worth remembering that there are other potential risks to your money – and diversification can be valuable in helping you cope with them. Business risk. Even today, there [...]

At Rainstone Financial we create plans designed to help clients make good decisions and accumulate them one on top of another. The challenge has always been how to make good decisions to begin with, especially when there is so much uncertainty in the future. We work off of four first principles that seem to stand the test of time. Regardless of fluctuations in the financial markets, recessions, how old someone is or what type of work they do, these principles still hold true.

What does it mean for people and companies? Is 70 the new 65? It may be, for many Americans are electing to postpone retirement as an effect of the recent volatility in the financial markets. If 70 is the new 65, some workplace changes are worth noting – these trends may be affecting you, your [...]

Four tips for recovering from unemployment. Any period of unemployment is fraught with stress – both personal and financial. While landing that formerly-elusive new job can be a relief, it is only the first step on the road to recovery from unemployment. This transition time is akin to breaking the surface after being underwater for [...]

Rolling the dice on returns. When a man walks into a casino in Monte Carlo and rolls a pair of dice at the craps table, he has a 1 in 36 chance (62=36) of the dice lying face up in any particular combination. He knows this because each of the six sides of each die – [...]