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Where do you keep your house rules? Are they hanging on the fridge, framed in your study or simply preserved through an unspoken mutual understanding? The fourth installment of our True Family Wealth series is about intellectual capital, which includes the framework for making decisions in wealthy families. The intellectual capital topic often sits untouched and unarticulated. Here’s how it can help you.
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This is the third in our series on true family wealth. We previously discussed the most obvious form of wealth — financial capital — and the most important form - human capital. Today we move on to social capital. Your family’s social capital is used to care for others beyond your family. According to wealth and family expert, Charlie Collier, social capital can comprise money, time and talent, and is limited only by your imagination. Why is this family social capital so essential to family wealth, and what does it mean for you and your family?
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This is our second in a series exploring the elements of true family wealth. Last week we covered the obvious and most easily measured one, financial capital. This week we’re on the most important one, according to family and wealth expert, Charlie Collier. As you consider your own family, this category deserves lots of attention. So what is it and why’s it so important?
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Following the popularity of last week’s article, we’re launching a four-part series and taking a deeper dive into Charlie Collier’s philosophy of true family wealth. Charlie spent 25 years advising Harvard’s largest philanthropic families. Over the next few weeks, we’ll explore each of the four wealth components in more depth. We’re starting today with the foundation of wealth, your Financial Capital. How should it fit into your family?
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When you think about wealth in your family, are you only thinking about financial assets? Charlie Collier says there’s much more to the story. Charlie, a former Senior Philanthropic Adviser at Harvard University for 25 years, is considered one of the world’s top experts on family wealth. Based on his extensive experience at one of the largest philanthropic organizations in the world, second only to the Vatican, he says it’s important to think past money when considering wealth.
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Is a machine up to the task of managing your money? A lot of venture capital money is betting yes as more and more “robo-advisors” hit the market. Fascinating stuff, but the closer you look, the more algorithms, formulas and artificial intelligence come up short. Technology has a big role in investing, but there are still many circumstances when human touch and insight just can’t be replicated. Here’s a guide for managing your money in the robo age.
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You probably know someone in this situation, or maybe you’re in it yourself: holding a large position in a single stock. You might have earned it over a long career at the company, or inherited it from a spouse, or received it as a loving gift. Through appreciation and steady, increasing dividend reinvestment, the position has grown quite large. But has it grown too big? Has this legacy stock become a potential problem, representing needless and dangerous risk? Here are some thoughts:
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There’s a big difference between data and insight. The financial world has been great at generating the former, but notably weak at taking the next step by creating insights. At Osbon Capital, we see that as a major shortfall and have invested heavily in reporting capabilities that let you take control of your financial information. With our industrial strength financial portal, our clients have all the information they need to understand where they are and how to reach their goals. Here’s the latest in technology.
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Savings are so important to your financial goal. How many times have you started the year by resolving to put more money into savings and investments? If it’s more than once, it’s safe to say the resolution didn’t work. With New Year's resolutions you may maintain your resolve for a few months, but if old habits take over, it’s back to the drawing board the following year. It doesn’t have to be that way. Here’s what we suggest to get out of the resolution loop.
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It just wouldn’t be late December without Festivus, the holiday for the rest of us. This wonderful fake celebration became part of American lore in 1997 when Seinfeld’s Frank Costanza described its bare aluminum pole, Feats of Strength, and the special dinner devoted to the Airing of Grievances. While we wish you nothing but the happiest holiday season, let’s talk Financial Festivus for a moment.
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Do you have a big decision that you’ve been putting off? You’re not alone. Many investors want to choose between options A, B and C, but end up choosing D, as in Do Nothing. Inertia can be a big roadblock to creating a portfolio and financial plan that match your needs. Here are a few situations we run into with clients that may help you extricate yourself from inertia’s sticky grip.
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Healthcare went through a revolution when MRI (magnetic resonance imaging) became commercially available in the ‘80s, courtesy of GE. X-rays could show bones, but MRIs could show soft tissue all around the bones, and even everything inside the skull. Doctors went from looking at skeletons to looking at whole bodies. Similarly, we take an investment MRI approach to portfolio analysis, looking past the basics of stocks, bonds, alternatives and cash. Our MRI reveals what is actually happening, why, and how. Here is what we look for: