Articles

Written by Max & John Osbon

Decathlon Raises $100k for the kids

July 26, 2017 - John Osbon

Over the weekend Max and I participated in our favorite event of the year, the D10. It’s a decathlon for professionals from the financial industry and other fields. Dozens of us spent Saturday at the MIT track running, jumping, throwing and lifting. We love the competition and the cause. This year’s Boston event raised $100,000 for pediatric cancer. 

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Four Ways To Give Up Certainty 

July 19, 2017 - John Osbon

In the investment industry, “certainty” is typically defined in terms of a specific guaranteed return. For instance, savings accounts and US Treasury Bills offer certain (but low) returns. T-Bills are finally paying some interest now, a whopping .98% annually. Call it one percent, or $10,000 dollars on $1 million, essentially risk-free. That’s the textbook definition of certainty, but when we talk to investors, their definitions of certainty are rarely so narrow and clinical. What else does certainty mean and how can you achieve it?

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To Give or Not To Give: How to Say No when Asked for a Donation

July 12, 2017 - Emily Scott

When asked what one of the bigger personal challenges a philanthropist faces, the answer often is “saying no when asked for funding, board participation, or a time commitment.”  At The Philanthropy Workshop, where I am an alumna, we refer to this as the investment of our time, treasure, and talent.

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Let the kids touch the money

July 5, 2017 - Steve Mott

Would you turn your family checkbook over to a twelve year-old kid? My mother did. It went better than you might expect.

I started writing checks when I was in seventh grade. This was no experiment in 1970s parenting; it was a medical necessity. My mother, Jackie, completely overdid it with some dull old pruning sheers in the back yard one weekend and ended up with tendon damage in her fingers and palm. She couldn’t operate a pen for weeks.

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A Peek at the Future

June 28, 2017 - Max Osbon

I spent the weekend at an invite-only financial regulation round table hosted by Jo Ann Barefoot, senior fellow at Harvard and a veteran of the financial regulation world. Jo Ann founded the Barefoot Innovation Group. Over the course of the weekend we discussed the symbiosis (interaction) of the old guard and the new in banking, lending, asset management and regtech (regulation technology). Here is what we learned.

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5 Summer Investment Goals For Your Kids

June 21, 2017 - Max Osbon

Given that the first official day of Summer was yesterday, June 21st, we thought it would be appropriate to suggest a handful of financial and investment goals for your family to explore over the next thirteen weeks. We’re all busy, so I selected these because they’re short, sweet and effective. See if you can manage to tackle all five before September 22nd.

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Four Reasons It’s Time To Sell

June 14, 2017 - Max Osbon

We’ve noticed that some clients have two problems: significant cash balances as well as significant capital gains. Clients can sometimes be torn between investing more, or lightening up. On an investment journey, those courses of action seem small now but are crucial over the long run. Here are four reasons you might want to sell.

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Another Crisis Anniversary

June 7, 2017 - John Osbon

It’s been one heck of a year. Almost one year ago our crisis year began. From Brexit to Trump to Brazil this past year it has been one unexpected event after another. How can a reasonable person invest through such chaos? If we look more closely, you’ll see there’s a way.

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The D10: Ten events. Infinite challenge.

May 31, 2017 - Max Osbon

Our favorite event of the year has a new name for 2017 – The D10 – but the big idea hasn’t changed. Each summer we run, jump, throw, lift and more, all for charity. The competition is fast approaching in July. We’re excited, working hard to get ready, and raising money for Dana Farber too.

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Investment Journey

May 24, 2017 - John Osbon

It happens to many of us. You get to the point where you decide about your family’s investment management. It can happen when the dollar amounts or time required to manage investments exceed what’s comfortable for a do-it-yourself situation, or the legal, tax or estate planning aspects get too complicated. Four prospective clients are going through that right now: an entrepreneur couple, a lawyer, an independent woman and an investment executive. If you are curious about how they do it, read on about this real-time investment journey with real people.

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New Technology For Estates

May 17, 2017 - John Osbon

Where do you keep your most important information and documents? Are they secure, easy to access and available to share with others who need them? A new tool from Fidelity just made that whole issue much simpler and more convenient – for you and your family. Fidelity now lets you store, access and share digital copies of your family’s most important documents, at no cost. This is cloud computing at its best and most personal. Read on for simple next steps.

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Three Budget Habits of the Truly Wealthy

May 10, 2017 - Max Osbon

Budgeting is like dieting, when it’s too strict it quickly falls apart. Fortunately there are simple ways to get around the challenges linked to budget discipline. Lead by example and teach your family members to follow these habits and you’ll ensure their financial stability in any environment. Here are three tried and tested habits:

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Are Your Millennials Missing Out? 

May 3, 2017 - Max Osbon

It’s not surprising that financial literacy is a top concern parents have for their kids. Whether it’s watching children struggle with money decisions, or worrying about them responsibly handling their eventual inheritance, parents have good reason for concern. Kids don’t learn much about personal finances in school, and in many families it’s not a typical dinnertime topic. Here are some steps you can take to build strong family habits around shared financial literacy:

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The First 100 Days. Now What?

April 25, 2017 - John Osbon

In one way, the United States has been a very stable place for decades. We’ve only had four Presidents in 24 years. They each got their First 100 Days. Now it’s time to focus the lens on our newest POTUS. What has he actually done, and can investors learn anything from it?

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Fear as an Enemy of Success

April 19, 2017 - John Osbon

Fear is healthy. It’s an essential instinct that has kept our species alive. We all know that gut-level feeling of fear, followed by a reaction of fight or flight. When fear strikes in the investment world, we often see investors trip and stumble as the urge to flee takes over. A race for the exits can be costly, and with the benefit of hindsight, is often the wrong reaction to the many varieties of panic, doubt, what-ifs, truly bad news, and sudden change that investors face.

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