Helping Military Families Understand the True Cost of Convenience Buying a candy bar or sports drink at the gas station or an impulse purchase at the grocery store are common examples of spending leaks—dollars unintentionally spent. Meal delivery services are another example of a significant spending leak, with Americans spending an estimated $26.5 million per year on food delivery, including […]

A Hitchhiker's Guide to Intertemporal Discounting: Using Time Preference to Predict Client Behavior Long held as mysterious and almost impossible to predict, new insights into human behavior and behavioral finance reveal surprisingly predictable patterns. When understood and used properly, these patterns can help advisers serve their clients in remarkable ways, largely by allowing us to predict outcomes and intervene in […]