When it comes to building lasting wealth, one of the most important principles is diversification across asset classes. A balanced portfolio isn’t just about picking the “right” investments, it’s about strategically combining different types of assets that complement one another. The three pillars of wealth: stocks, bonds, and alternatives each bring unique strengths to a portfolio. When used together, they create stability, growth potential, and effective risk management.

An Investment Policy Statement (IPS) is a written plan that outlines your financial goals, risk tolerance, time horizon, and investment parameters. It’s not just a formality, it’s the compass that guides every investment decision you make. 

If you’ve ever tried to save for a house, college, retirement, and that dream vacation all at the same time, only to feel like you’re making zero progress, you’re not alone. Most people spread themselves too thin, chasing every goal at once. The result? None of them ever gets fully achieved.

Selecting the right retirement accounts, whether it’s a 401(k), IRA, Roth IRA, HSA, or brokerage account, can dramatically affect how much you accumulate over time and how tax-efficient your withdrawals are in retirement. The Confluent Masterclass offers a clear roadmap to guide you through this decision-making process.

When it comes to retirement planning, one size doesn’t fit all, especially when it comes to risk. Identifying your risk tolerance isn’t just a good idea; it’s essential for building an investment strategy that supports your long-term retirement goals. Understanding your risk tolerance and the different levels of investment risk can give you a powerful edge when making decisions about your financial future.

Too many smart people get blindsided by something they never saw coming. Not market crashes. Not economic recessions. Not even bad investment picks.

They get destroyed by taxes and inflation.

And the worst part? They don’t even realize it’s happening until it’s too late.