Behavioral Finance

Most portfolios don't have rules. They have allocations, projections, and assumptions. But when markets drop 20% and you need to take a distribution, there's no system telling you what to do. No rule for which account to pull from. No structure preventing you from panic-selling at the bottom. Every decision gets made under pressure, in the moment, when emotions are running highest. That's backward. And I learned exactly why during a war. When My Models Got Stress-Tested for

Consumer confidence just hit multi-year lows. Manufacturing sentiment is in contraction. People feel pessimistic about inflation, job security, and the direction of the country. And yet : Retail sales are strong. Industrial production ended 2025 with solid momentum. The unemployment rate fell in January. Jobless claims remain historically low. Something doesn't add up... This gap between how people feel about the economy and how they behave in it has been widening for over

Are you avoiding your "nest egg" number? Learn how our Financial Assessment provides clarity for Boise business owners using the R&R Investing framework.

Growing up on a farm in Idaho, I learned early that other families had more. Nicer trucks in the school parking lot. Better clothes on the first day back. Kids who talked about vacations while I was left kicking rocks on the farm. I didn’t have a word for what I felt then. I just knew the weight of it. That quiet math of looking around and coming up short. Years later, after managing capital in volatile, high-stakes environments, I found the word researching behavioral financ