Aptus Financial

We are always looking for great financial planners who want to help change the world. aptusfinancial.com/join-our-…

I’m a DIYer at heart and often reluctant to seek help from pros. If I’d worked with a trusted advisor throughout my life, though, there would have been far less financial drama. Talk to a planner. Your 50-year-old self will thank you. aptusfinancial.com/blog/advi…

It takes two to tango and a financial plan is a “we statement.” It is a lifelong dance. At its core, a financial plan represents a series of trade-offs of time and money, long-term and near-term. Those things are hard when one person...aptusfinancial.com/blog/fina…

It’s hard to consistently and systematically pick a portfolio of individual stocks that beats a simple index fund over time. There are many reasons why this is the case, but we’ll focus on three: market efficiency, competition from pros...aptusfinancial.com/blog/you-…

When we talk to our clients about saving for their children’s college education, there is usually a moment when we hear them pause to catch their breath. This usually happens right after we talk about the price tag. According to...aptusfinancial.com/blog/savi…

At the end of the day, your money is finite. Your money can work for you or it can work for the advisor. It can't work for both. Recognizing that trust is essential in any relationship with a financial advisor, we recommend you take...aptusfinancial.com/blog/fina…

Tyler's latest post on his experience navigating through a disability insurance claim...he ends with "If you love your dentist, dental hygienist, or their assistants, buy them a massage." whitecoatinvestor.com/my-den…

Many people who give financial advice have business models that make it hard for them to work solely for you and in your best interests. We believe you’re better off—and will have a greater sense of control...aptusfinancial.com/blog/avoi…

The most important decision of our lives, how much to save for retirement, has been an afterthought for many of us. For people barely skating by and living lives adapted to their salaries, the subject is painful and therefore delayed...aptusfinancial.com/blog/thin…

The keys to financial success are pretty easy to articulate, really. Find a job you love [or at least don’t hate], spend less than you make, save for rainy days and retirement, and invest simply and wisely. It all starts with...aptusfinancial.com/blog/one-…

If you have the DIY ethic, we believe you can manage your own money as a DIY investor. Self-educate, keep it simple and understandable, optimize tax-efficient accounts, automate your investment contributions, then set and forget it...aptusfinancial.com/blog/diy-…

A truism of investing is that there is no return without risk. In general, the higher the perceived risk, the higher the future returns. If the stock market seems especially risky, that probably bodes well for future returns. We...aptusfinancial.com/blog/the-…

Financial planning would be easy if our lives were predictable. Stuff happens though, right? We think it makes sense to think about the many potential contingencies in our lives in relation to their consequences and probability. In...aptusfinancial.com/blog/prep…

Tyler, we're thrilled that your journey from dentistry to happiness has landed you at Aptus! You have an incredibly bright future! whitecoatinvestor.com/out-of…

We’ve worked with hundreds of new attending physicians over the past several years and gained insights into some of the unique characteristics of their financial situations. For the most part, early-career doctors’... aptusfinancial.com/blog/10-f…

Most of our clients are parents. This of course means they’re dead-dog tired most of the time. Parenting is hard. And awesome. We sympathize and empathize with parents, so in an attempt to make things a wee bit easier we offer...aptusfinancial.com/blog/fina…

Simplicity almost always beats complexity. Simplicity requires planning, mindfulness and focus. It demands resolve, patience and sometimes benign neglect. Ultimately, simplicity inspires confidence, reduces anxiety and frees our time... aptusfinancial.com/blog/simp…

At Aptus, we believe that happiness, peace of mind, and financial freedom hinges on spending less money than you make. A good cash flow plan should help you determine the best balance of spending on important things like a home,... aptusfinancial.com/blog/a-ca…