Entries by Michael Rivas

Why Average Investors Don’t Beat the Market

Most people invest in order to grow wealth over time. It’s only natural to want the biggest returns possible as part of that process. But focusing on returns isn’t necessarily a sound investment strategy — and it could be part of what leads average investors to perform so poorly. In fact, average investors don’t just […]

Resist Progress at Your Own Peril

Ask most people who watch TV and cable news if they think the world is safer now than it was 30 years ago, and they’ll tell you no. But if we look at the data, it’s clear that in most parts of the world — and certainly in America — we’re safer now than we […]

Budgeting for Coffee Sucks, Try This Instead

Trying to cut back on your spending gets tedious when you focus on minute details. Yes, it’s important to track every dollar — but to feel anxious about spending on small purchases that you value because you’re trying to save more and spend less? That can quickly lead to budget burnout.   Preparing for and […]

In Times of Change, Focus on Your Financial Plan

No one can guarantee when the markets will go up or down. Lots of talking heads and so-called “experts” like to claim they know when factors like news items or current events will impact how the stock market behaves, but it’s all guesswork. It’s extremely easy to get caught up in a 24/7 news cycle […]

Generation X? I feel your pain!

Generation X has some problems—and not just their own. Perhaps the biggest one of all is that this group has everyone else’s problems too! On one hand, they’re dealing with aging parents. On the other hand, they have young kids, college-aged kids, or adult kids who are moving back home or need financial support because they can’t […]

Michael Rivas quoted in Investment News

The following content originally appeared in an article by Liz Skinner on Investment News on Nov 8, 2015. Forget boomers and millennials, Gen Xers need advisers’ help the most Even though they are in their peak earning years, they have the poorest financial habits Armando Castellano: Gen Xer turned to financial adviser for help with budgeting. Despite […]