It’s 2020 and you’re in the future

Happy New Year and welcome back to work / normal retirement! This week’s The Distillery eases us back into our lives and offers a refreshing and entertaining way to think about the new decade that’s upon us. Now I know that each of you have already listed budgeting, save more, live more, and generally be a better person in 2020 as your resolutions, so we’ll skip those pieces for now and look forward to having those conversations with you in our office this year. Enjoy!


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The Rise and the Fall

This week’s The Distillery is a GIF, so I think most of us will be happy that it requires little reading. As investors we know that each decade’s returns are completely different from the next, but in case that knowledge has ventured towards the backs of our minds lately with the US continuing to outperform, here’s a nice visual reminder of the last 4 decades.

Happy Holidays!

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Nest Egg Breakfast

This week’s The Distillery is for those of you who missed our Nest Egg Breakfast with Dimensional Fund Advisors (DFA) a few weeks ago. We recorded the event and have posted it here for your listening pleasure.

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What Happens When You Fail at Market Timing

This week’s The Distillery comes from Dimensional Fund Advisors (DFA). If you attended our recent breakfast presentation you know that they trust markets and are not market timers. Enjoy this week’s nice and light piece.

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America’s Decade

This week’s The Distillery matches up quite well with our sentiment regarding investing domestically vs overseas. Historically, investors have been rewarded fairly equally over time for investing in both parts of the world….except for the last decade. Why? Well we don’t know exactly why, and admittedly, the author doesn’t either. This is why markets are so extremely difficult to invest in. You can have seemingly non-rational markets for a decade or longer, to the point in which you finally blurt out, “this time is different!” Of course at that very moment, the markets will have turned the other direction, reversing previous gains dictated largely by the collective emotions of the herd.

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No Shave November – You are invited to participate!

It’s that time of year again, when the days get shorter, but our mustaches grow longer. For the 3rd year in a row, the men of The Advocates will spend the month of November growing out their facial hair for a good cause. However, during this year’s “No Shave November” we present to you a twist! We would like to invite you to join Read More >

The Happiness Advantage: Linking Positive Brains to Performance

This week’s The Distillery is a bit different in regards to the delivery of the content. A few of us from the office attended a financial planning conference in Austin earlier this week. While there, we had the pleasure of attending a presentation by Shawn Achor, a Positive Psychologist who graduated from Harvard University. Shawn’s company, Aspirant, is dedicated to the study of those people in the population who are happier than the average (i.e. the outliers). From his research he aims to gain insight into how to increase happiness for not only the employees of the companies that hire him, but also for those of us who struggle with lower or average levels of happiness.


Happiness, or lack thereof, affects not only our personal lives and families, but also how we perform in school and at work, which often determines the success / outcome of our financial plans. If you have 12 minutes of time to invest, we hope you enjoy this captivating video by Shawn Achor.

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Three Big Things: The Most Important Forces Shaping the World

This week’s The Distillery is a long but fascinating read that takes a look at what the author believes to be the 3 “Big Things” that will have a profound impact on the coming decades because they’re both transformational and ubiquitous: Demographics, wealth inequality, and access to information. Enjoy!

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Half of Retirees Afraid to Use Savings

This week’s The Distillery brings up a real issue amongst retirees: spending down their savings. Retirees have worked so hard to save enough money to last them throughout Retirement, but once there, it’s hard to flip the switch in the other direction and begin winding it down. If there’s one takeaway from this week’s piece, it’s that the feeling is pervasive across retirees and you shouldn’t feel alone if you too feel this way.


With the weekend fast approaching, we encourage you to go out and feel good about spending that hard earned money, especially if you have a plan in place and your spending is aligned with you and your family’s values 😊

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