Don’t Be Your Own Worst Enemy: How Investor Behavior Can Affect Your Portfolio
Benjamin Graham, one of the most respected investors of the 20th century, once wrote that “the investor’s chief problem—and even his worst enemy—is likely to be himself.” That observation still rings true. Markets can be volatile, unpredictable, and emotionally exhausting. But many poor investment decisions do not come from the market itself. They come from […]
Dog Bites Neighbor. Now What?
A dog bite can happen quickly, but the financial and legal consequences may last much longer. Even a friendly family dog can react unexpectedly if startled, frightened, protective, or overstimulated. If your dog bites a neighbor, visitor, delivery driver, child, or another person, you may face medical bills, legal claims, insurance issues, and difficult conversations. […]
Does Your Portfolio Fit Your Retirement Lifestyle?
Most investment portfolios start with three core questions: What are your goals?How much risk can you tolerate?How long will your money stay invested? Those questions matter. They help shape asset allocation, diversification, investment selection, and long-term strategy. But retirement adds another important question: How do you actually want to live? At True North Wealth Management, […]
Does Your Credit Score Affect Your Insurance Rates?
Your credit history can affect more than loan approvals and interest rates. In many states, insurance companies may also use credit-based insurance scores when setting premiums for auto, homeowners, renters, or other types of coverage. That does not mean your regular credit score is the only factor—or even the same score insurers use. But it […]
Does Your Child Need to File a Tax Return?
Many parents encourage their children to work so they can learn responsibility, independence, money management, and the value of earning an income. But once a child starts earning money, parents often ask an important question: Does my child need to file a tax return? The answer depends on the child’s income type, income amount, filing […]
Diversification, Patience, and Consistency: Three Principles for Long-Term Investing
Markets change. Headlines shift. Interest rates move. Economic forecasts evolve. Some years reward risk-taking, while others test investor discipline. Through all of that uncertainty, a sound investment philosophy can help you stay grounded. At True North Wealth Management, we believe successful investing is not about reacting to every market movement. It is about building a […]
Disability and Your Finances: Protecting Your Income Before Life Changes
Your income supports almost every part of your financial life. It pays the mortgage or rent, keeps food on the table, funds retirement savings, supports children, covers insurance premiums, and helps you plan for the future. But what happens if an illness or injury prevents you from working? A disability can create a two-part financial […]
Directors and Officers Liability Insurance: Why Leadership Protection Matters
Directors and officers make decisions that shape the future of a business or organization. Those decisions may involve hiring, firing, financing, compliance, strategy, reporting, contracts, expansion, mergers, donor management, or shareholder communication. When those decisions lead to an actual or alleged financial loss, directors and officers may face claims personally. That is where Directors and […]
Deciding When to Take Social Security
One of the most common retirement planning questions is also one of the most personal: When should I start taking Social Security? The age you choose can affect your monthly income for the rest of your life. Claim early, and your monthly benefit may be permanently reduced. Wait longer, and your benefit may increase. But […]
Creative Ways to Motivate Your Employees
Every successful small business depends on people. One key factor that drives business performance is employee motivation. Whether you run a professional services firm, retail shop, manufacturing company, medical practice, nonprofit, or family-owned business, your employees help shape the client experience, daily operations, and long-term growth of the company. Motivated employees often bring better energy, […]