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  • Services
    • Wealth Management
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  • Process
    • Behavioral Finance
    • Investment Objectives
    • Types of Investments
  • Archives
    • Newsletters
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  • About us
Asset Location

Asset Location

Jan 11, 2022

“I’m proud to be paying taxes in the United States. The only thing is — I could be just as proud for half the money” -Arthur Godfrey There is some debate about how large the US income tax code is. If you are just talking about the literal statutes, it...

Using a DAF for Charitable Giving

Using a DAF for Charitable Giving

Oct 9, 2018

I was up in Houghton, MI a couple weekends ago to celebrate the 20th anniversary of the Applied Portfolio Management Program (APMP), a program I was a part of when I was a student at Michigan Tech and now serve on the board of. The program allows students to manage...

How Much Should You Have in Emergency Savings?

How Much Should You Have in Emergency Savings?

Jul 12, 2018

I recently received an email from Marcus—Goldman Sachs’ relatively new entrant into the online banking business—saying they increased the yield on my savings account to 1.80%. Synchrony Bank, the online bank formerly part of GE Capital, had upped the yield on their high-yield savings accounts to 1.75%, and Marcus simply...

Can Money Buy Happiness and, if so, How Much do I Need?

Can Money Buy Happiness and, if so, How Much do I Need?

Mar 14, 2018

“Can I ask you a question?” “Sure!” “Are you happy?” “Well, I got a boat, good friends, and a trampoline. You tell me.” That was a revelational series of dialogue from the 30 Rock episode where fictional GE executive Jack Donaghy went to Liz Lemon’s high school reunion and realized...

The Only Credit Card You Should Carry

The Only Credit Card You Should Carry

May 11, 2017

One summer, maybe ten years ago, I was sitting out on the deck of the Downtowner Lounge in Houghton, MI sharing a few laughs with good friends. We were enjoying the summer day with 2-for-1 beers and double cocktails, with the lift bridge that spans the Portage Canal serving as...

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This website is operated and maintained by EmeraldSpark Investments, LLC. This website is for informational purposes only and EmeraldSpark reserves the right to modify its contents at any time. The content provided is limited to the dissemination of general information pertaining to our services as well as general investment-related information. It does not constitute investment advice or a solicitation to sell securities.

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