Financial Advisor | Austin, TX | The Art of Finance | Blog
The Art of Finance is a fee-based financial planning firm dedicated to helping creative minds negotiate the complexities of personal finance.
Financial Planner, Austin, Texas, Artist, Creative, Creativity, Actor, Dancer, Art of Finance, The Art of Finance, AoF, finance, money, personal finance, creative minds, ATX, TX, Capital
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01 Oct 5 Scary Things People Say About Their Money

Halloween decorations are popping up all over our neighborhood. And hey, I love a good scare as much as anyone else. But as a financial planner, there are a few phrases that send a chill up my spine faster than any campfire story.

What are they? Come in a little closer to the fire, and I’ll share them with you…

1. “I can afford the payments.” Whenever I overhear this at a party, the person is usually trying to justify a big purchase. A car, new furniture, a Macbook Pro, solar panels. And I get it. That $4,000 mountain bike I dream about is a lot less scary if it’s “just $179 a month.” But when I hear “I can afford the payments,” I know it probably means, “I can’t actually afford to buy this, but I’m getting it anyway.”

The hope is that you’ll be able to make enough money in the future to make the payments on time. But no one imagines getting sick or losing a job. And it’s easy to forget that we’ve already committed to make payments on a bunch of other stuff. Then, three or four years down the road, you wonder why it feels like there’s no breathing room to save, give to charity, or pursue a dream.

2. “You’ve gotta spend money to make money.” A classic catchphrase of entrepreneurs (like me and Julia). And there’s a nugget of truth in this one. To build and grow a thriving business or investment, it usually does take some money… eventually. But that doesn’t mean you can endlessly throw money at an idea, believing it’s the only way to grow.

If someone tells me they have to spend money to make money, what it usually means is “I don’t really understand how much risk I’m taking on.” Fast forward a year or two, and sadly that money often is gone, the dream dead and forgotten, and the person has moved onto something else.

If you decide to put money toward a dream or endeavor, make sure that you’ll be okay if things don’t work out as you planned. That way, if you spend money and don’t make money, you’ll still pull through.

3. “How can I create some passive income?” Ugh! Passive income: Money that shows up in your account without you having to do anything. Sounds great. It’s also a myth. It takes decades of somebody’s blood, sweat, and sacrifice to build a “passive” money machine like real estate or an autonomous business. If someone did that work for you, you’re lucky, but it’s still not exactly passive. What this really means is, “I think there’s a shortcut to wealth and the good life and I need to find it.”

Gary Vaynerchuck has a great video about this. In his characteristically blunt way, he explains how  passive income was created by tons of work done by you or someone else to create something of ongoing value. There’s nothing passive about building something like that. 

4. “My credit card is my emergency fund.” Oh boy. Real talk now: Julia and I lived this frightening reality for years early in our marriage. We rationalized, “If I have a $20k credit limit, and I can’t use it when times get tough, then what’s the point of having it?” But under the surface, we really were saying, “Expensive emergencies happen to other people, not us.” As we eventually learned, this is just a ticking time bomb. If you have an emergency, odds are good that paying off the credit card will suddenly become much harder. Think layoff, economic recession, or a long-term health problem. Using a credit card as a safety net is like wearing a lead life vest. With many interest rates above 20%, a financial speed-bump can quickly turn into a full-blown crisis. 

It’s safer to say, “I’m working to build up a three-month emergency fund so that a personal emergency isn’t suddenly a money emergency.” A little delayed gratification can go a long way to boosting your financial health.

5. “My partner has a spending problem.” Again, guilty as charged for saying this one. You might think your husband or wife spends way too much. But you may also have a stingy partner that doesn’t recognize how they’re part of the problem. I was this guy, the OCD reactionary spouse who resented every little purchase Julia made while ignoring my own big splurges.

In our experience, money problems are the fault of both partners. It’s never 100% on a single party. This situation cries out for a real, jointly created budget with realistic goals and boundaries. Also there needs to be some fun money for both partners with no strings attached so you can both be impulsive without resentment. And honestly, it probably calls for a little bit of counseling. Banish this monster in the closet by admitting, “We both have frivolous, silly things we love to buy and we budget with those in mind.”

Nobody’s perfect with money…not even financial planners. We all fall prey to these mindsets from time to time and find ourselves slipping into habits that don’t work in our best interests.

Give yourself a treat this Halloween and start to remove some of these scary phrases from your life. What steps have you taken to move away from these or other financial pitfalls?

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02 Sep 10 things we learned from our 5 week trip.

We are finally back after an incredible 5 week trip to the PNW. It’s a trip we’ve been planning and dreaming about for the last two years. We’re so excited that we finally made it happen. And we learned a lot along the way.

  1. Replace your radiator caps. We drove our 2001 Honda Accord all the way up and all the way back. It’s obviously an older car (we walk our talk guys) so we made sure to get it checked out and fixed up before we left. We first went to the steady-eddy neighborhood place that has done right by us in the past. But we got spooked at seeing a 3k estimate. So we got another quote and split the needed work between two shops because the second shop ended up quoting us a few hundred dollars less for the biggest piece of the work. Cut to 5 days later and 70 miles out of Albuquerque, the hood starts to smoke and the engine starts to buck. So we end up on the side of the road, in the middle of the desert. Literally the exact scenario we were trying to avoid. Thankfully, we only had to wait about 2 hours for an (expensive) tow into town. And wouldn’t you know it, it ended up being our radiator cap busting and melting the whole thing down. Turns out our steady-eddy first shop DID point it out to us but we breezed right past it and the second shop didn’t mention it at all. The lesson here is; when you find someone worthy of trust…TRUST THEM. Don’t penny-pinch when it comes to repairs.

2. Stopping for people is a good thing. Like I mentioned above, we were stranded with Clem on a fairly busy highway.  But no one stopped for the first 45 minutes of the 2 hours we were out there. Thankfully we didn’t really need anything physical. We had water, we had umbrellas to shield us from the burning desert sun, we had snacks, we even had a tow truck on the way but it was demoralizing to feel like no one really cared. But every time I felt sad about that, I equally felt called out by my own history of inaction. Here’s a classic situation of when you know better, you do better. So next time you see someone, do your best to get over safely. They might not need your physical help, but it can be a huge morale boost just to know that a random stranger cares enough to check-in. Let’s not forget, we’re all on this spinning ball together here, lets act like it.

3. This country is enormous. No matter what you think, we truly have so much uninhabited space in the US. I’m not saying people should take over every inch of that space, but I was in awe of the true vastness of our landscape and how much physical space we have to grow into. It might just be me but judging by the political landscape we find ourselves in, there’s this deep feeling of scarcity. Am I saying that we have infinite resources? Of course not. But I think we have way more than we give ourselves credit for. 

4. Babies are natural addicts. Apparently in the PNW there is an abundant blackberry crop. It’s actually an invasive species, which is too bad. But hey, you can stop on the side of the road and stuff yourself with blackberries all over the place. Clementine quickly learned what these bushes were and would ask for “moh!, moh! moh!” all the time. A cute, but slightly worrying, intensity of fixation. Woe to the parent who had to eventually pull her away.

5. Maps never tell you the full story. When we booked our Airbnb, we booked it about 3 miles out from a Portland WeWork office with the intention of biking to work. What the Google map doesn’t tell you is that it’s basically one 3 mile long, will-breaking hill. It was easy to get there, but so so hard to get back. It’s just a reminder that you can prepare as much as possible, but there’s always a curveball.

6. Whenever you’re on a trip with family, you’re gonna need alone time. Philip and I were both intentional about giving each other space to explore on our own and to not be tied down to the daily things every day. It was good for our mental health to have time apart and to do the things we really wanted to do without everyone in tow.

7. The Enneagram hype is legit. Yes, the enneagram is technically a personality test, but it’s more than that. A lot of work has gone into it over many decades. It’s a great roadmap and more complex in it’s findings than the Myers-Briggs. Turns out, Julia is a 7 and Philip is a 1 and we’re working on figuring out what that means and how we can use it to better understand ourselves and each other.

8. Always buy Tillamook ice cream. We went to the Tillamook Creamery, the temple of all things dairy (sorry diary-free people!). If you care about dairy products, you need to make the pilgrimage. While it seems like a big behemoth of a company, it’s actually owned by a co-op of about 90 farming families. While they had the best grilled cheese sandwich I’ve ever had, it was the ice cream that really blew me away. It’s better than Bluebell. I know, I know…Texas sacrilege. But don’t shoot the messenger. Go try it!

9. Moab is magical. Google told us to go through Moab on the way out to Portland. What Google didn’t tell us is that it’s like being on a completely different planet. Now, I’ve seen beautiful classic American southwest landscapes, but nothing has ever been as intense or dramatic as Moab. I hiked over red rock fins in Arches, Philip mountain biked a majestic canyon, stargazed on a full moon night, and even saw Saturn’s rings through a borrowed telescope. Remember, when times get tough or overwhelming, just get out there, look at the stars and get some perspective.

10. Always have backup form of payment. Not only did Moab take my heart, it also ended up taking my debit card. Ok ok, I left it there at a diner on accident. But no biggie, we’ve got Philip’s card right? Well, someone in a foreign country decided to use it to buy themselves a Netflix account…sooo there went that!  We don’t use credit cards so our only backup ended up being our business debit cards. Which is normally a total no-no for us, but we didn’t have a choice. We moved things around in YNAB, came up with a new budget, and properly tracked it, but it was a headache. So, ALWAYS have a backup, even if it’s just a $20 bill.

Other than the debit and desert debacles, it was truly an all-around incredible trip. We can’t wait to level it up next summer.

Tell me, what is the greatest lesson that traveling has ever taught you?

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12 Dec The Vet Bill

She was covered in blood.

I almost didn’t notice because people in front of me had walked right past her.

But there was something about her that made me pause and take a closer look. She had her phone up to her ear and a look of shock on her face.
“Are you ok?” I asked. (Ugh. Only the lamest question the English language can put together.)

“No. My dog just got run over by a car. I’ve had this baby for four years. I can’t believe this.” Now the blood and matted dog hair all over her made sense.

I came across her while at a conference a few weeks back, standing outside a vet’s office, as I was moving from one session to another. But I just couldn’t pass this woman by. And here I was, in a horrible situation of desperately wanting to help but feeling like there was nothing I could do.

She watched as the car that had dropped her off sped by and said, “Oh, I think they kept my money.” Apparently the person who hit her dog had stuffed a few dollars in her hand but then her ride drove off with it.
So, we just fumbled about as best we could. I ran over to our conference HQ and grabbed a handful of granola bars and kombucha and tried to convince her to come and sit down somewhere. But she understandably wanted to stay at the vet’s office. I told her to holler if she needed me and that I would be close by. Of course, I didn’t get her full name or number. Dumb dumb dumb. And all night I just thought about her and wondered what I could have done differently.

Then it struck me. Maybe it wasn’t too late! There might be something I could still do.The next day, when I returned to the conference I walked into the vet office and asked what had happened. Turns out it was the worst of the worst: her poor pup had to be put down. I asked, “Does she have an outstanding vet bill?” Yep. $545 dollars. Can you imagine? Being heartbroken and having a massive bill to pay? So out comes my phone and I check the giving line-item in our YNAB budget. “I’ll pay it in full,” I said.  

“Are you sure?” Darn right I was sure.

Now listen up. I am not some super generous angel person. I drive by people I could easily help every day of my life. It’s not something I’m proud of, but that’s the truth. But I truly think MOST people would want to do the exact same thing in this scenario. After all, I wasn’t the only person who gave toward that bill! Apparently, 2 or 3 other strangers who had come in contact with her had done the same thing. But if I’m honest, I look at personal budgets all the time and depressingly few of them have a single line-item for giving. So I am just sharing this story as a reminder. Somehow all of us (including myself) are continuously convinced that taking that next dream trip, buying that outfit, or upgrading our living space will give us that “thing”. You know what that “thing” is for you right? I know I do. And sure, it does, sort of. But it’s kind of like candy. Sweet and fun and gone in a few days, if not a few moments.

Spending money like this is like eating a healthy, delicious meal. It’s not like a party but it’s deeply satisfying. It’s as though, somehow, my money is getting to do what it’s truly MEANT to do.

And gosh, now with a baby, I feel like my empathy is on a whole new level. I see my child’s face everywhere; Syria, Guatemala, in Flint, Michigan. And I see my own face as a mother everywhere. Sometimes I just get so overwhelmed by it all I sort of break down. But that’s no way to live. So let’s just not forget in our busy lives that this is why we’re really here. To look out for one another. And yes, sometimes we look out for people with our MONEY. And if you want to get to be the person who buys groceries for your hard-up friends or smashes GoFundMe’s in the face, then determine that THIS is the day.

Today you’ll decide to finally promote yourself to CFO of your own life. Heck, that’s what we do! So call us. Or pick up a book. Start that course. Climb on board the financial peace train, my friends, however you choose to hop on. It’s not an easy ride all the time, but it’s so, so worth it.

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10 Feb Oh boy! … or girl

Looks like a small human (with a very distinguished profile) is going to be making an appearance in the Olson household in 2018.

We had been toying with the idea of 2017 being the year of the opening the family door for a while. So barely two months before little bub showed up, we started the “Baby Fund” line item in the budget. Yep. Our baby’s first “appearance” was in our budget. But I didn’t take it deadly seriously. It was just meant to be symbolic of a slight shift. A dinky $200 towards something that might never even happen. But looking back, I think this was more than just a new line in the budget. It was a way for us to irrefutably document our decision to give this crazy thing a shot, together.

Honestly, this area is one of the few things where I have felt a gap of understanding between me and our clients. I’ve paid off debt when I’d rather go in vacation. I’ve scrimped and scraped to save an emergency fund. I’ve bought a house. I can personally commiserate with all that. But supporting kids? It’s just not something that I have had to do.

But here we are.

Trying our best to plan and prepare for the unknowable.

Every day I have doubts. Have we put enough away? How can I make sure the business keeps humming in my absence? Will it be healthy? Will having a biological kid totally mess up all my adoption plans? Holy moly, what about college? Am I literally going to shift from human to animal from sleep deprivation? Labor?! I can’t even…

But the horrifying truth is, we are all looking into the dark when it comes to the future. There is nothing guaranteed about life, let alone the next five minutes. All we can do is commit to learn from whatever gets sent our way to help ourselves and those around us.

Thanks in advance tribe for your support. We look forward to sharing parts of this new journey with you all.

Now I’m gonna go get some more sleep.

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26 Jan The Tax Man Cometh

Surprise surprise, it’s the end of the year!

Time to address everyone’s favorite subject:


Or more specifically, Public Law no. 115-97 “The Act to provide for reconciliation pursuant to titles II and V of the concurrent resolution on the budget for fiscal year 2018.”

Catchy, no?

Unless you’ve been living under a rock (which I wouldn’t blame you for) you know that the tax reform bill is now law. Taxes are the #1 expense in your entire life, MORE than food or shelter. So it pays to pay attention here. Here are a few changes that you might want to be aware of.

1. You will probably pay less. – With the standard deductions doubling and some of the tax brackets shifting, it’s quite possible you will pay fewer taxes for 2018. The IRS is set to clarify the new withholding tables sometime in January. So, in February you can choose to change your withholdings so you don’t end up overpaying. Just ask your employer for a new W4 form if they don’t already offer it to you on an annual basis.

2. If you’re self-employed in any way, you will almost certainly pay less on that income. – If your business is a sole-proprietorship, a partnership, an LLC or an S-Corp, the income you peel off from your business is “pass-through income”. You will now be able to deduct 20% of that income right off the top. Nice right? But of course, it’s not quite that simple for everyone. There are a bunch of if/and’s/but’s in there. This article was helpful in breaking it all down in plain English!

3. Child tax credits will double – These credits will shift from $1,000 per kid under 17 to $2,000. (Nice timing little Olson girl/boy). The income-based phase out for this is also shifting up from $110,000/couple to $400,000.

4. No more “individual mandate” – The penalty for not having health insurance is dead. It’s assumed that many of the lower-risk people who bought into the exchange because of the penalty will hop back out. So, many of the people who do not get insurance through employers could have their premiums spike as a result. We shall see.

5. Mortgage deductions are changing. – I have heard a lot of people worrying about this . But they probably shouldn’t. Mortgage interest deductions are already capped at loans of $1 million. All they’re doing is sliding that down to $750,000 for all newly purchased first and second homes. Unless you’re planning on borrowing more than $750,000 for a mortgage sometime after 2017, don’t worry about it. And even if you ARE, it’s still not that big a deal.

There are obviously many more changes than the ones I listed here. Here’s a great breakdown of more of them. Whether this tax bill ends up being “good” or “bad” for the country, I’ll leave that to you to decide. I at least just want you to be informed on the basic facts. Please don’t take what you see on Facebook as gospel about this stuff. Do your own reading then talk to your CPA and financial planner about how this could be affecting you starting next year.

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12 Jan Our PBS show!

It was a MASSIVE week in The Art of Finance world last week.


You guys. I cannot CONTAIN the caps on this one. We have been working on this for almost two years and are so excited to finally bring this out into the world. We partnered with Andrew and Katie Matthews (the amazing husband/wife production team behind The Best Worst Movie and Zero Charisma) and created a brand new online show called “Two Cents”. They’re similar in format and content to the videos we’ve made in the past only way way WAY better.

So far, our pilot episode is around 910,000 views. Holy moly.

To be clear, it is not going to be on your TV. It will only be accessible through Facebook’s new video platform called “Watch”.

Check it out here!

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06 Dec Freezing credit

While it might not be freezing right now in Texas, there is something that you should consider putting on ice.


Your credit. 


As you may be aware, hacks of large financial and retail organizations are becoming worryingly commonplace. The most recent and large-scale of which was Equifax, one of the largest credit-reporting agencies on the planet.
As of October 2017 they have reported that information for as many as 146 million Americans has been compromised. This means you have a 50/50 shot of your information being up for grabs by some rather unsavory characters. And this isn’t just any old boring, out of date information. This is your social security number, your birth date, your addresses; all the information it takes to open new credit cards, bank accounts and a host of other things.


So what is a normal, not-normally-paranoid person to do?


Well, the best option at this point would be to put a freeze on your credit. This just means placing a hold on any new credit being opened in your name with your information. Now, don’t do this if you’re in the middle of getting a mortgage, renting a new apartment or anything that necessitates a credit check. But if you’re not in need of any of those things for the near future, we recommend taking the following steps.


The four largest credit reporting agencies are Equifax, Transunion, Innovis and Experian. You can sign up for a freeze with each one. And yes, three will charge you to do this. It’s definitely annoying. However, Equifax is waiving the the fees through January 31st, 2018.


I personally worked through every one of these in order and it took me 13 minutes to complete.


Transunion: (this one cost me $10)
Experian: (this one cost me $10.83)
Innovis: (this one was free)
Equifax: (free…for now)
Believe it or not, but Equifax has yet again fumbled the ball. I filled out the credit freeze form and got this wonderful answer below. Seems like their site can’t handle the number of credit freezes that people are requesting. Guess I’ll try again in a few hours.


Keep in mind that you will be setting up PIN numbers for most of these. You’ll need to have that on hand when you want to un-freeze your credit in the future.


Best of luck!
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20 Oct When spending doesn’t work anymore

July was the largest month ever for our business. So, we paid ourselves a lovely bonus on top of our normal salary.
Being the budget evangelists that we are, we made sure to put the extra money toward some goals as well as pump up a few of our normal categories.
We increased our dining out budget from $200 to $300.
Our grocery budget from $500 to $600.
That sort of thing.
How fun! I thought. We’ll get to loosen up a bit and go to a few extra places just because! How fancy! And in the back of my mind, I thought this would equate to turning up the super-happy-fun-dial.
And yes, I’ve gone into to restaurants I normally pass by. Hit up my favorite thrift stores more than once. Even set aside a chunk for new furniture! But somehow, I feel less content than I did before. Analysis paralysis seems to haunt everything little thing I buy. Guys, I stood in line at a register for what must have been eleven million hours, just trying to decide what to order. We haven’t even spent most of the increases we’ve applied! What on earth is going ON?! I thought I was going kind of crazy so I asked Philip “Has having more money to spend on eating out made you happier?”. This man LOVES eating out y’all. It’s his thing. So I honestly expected him to say yes. But he just paused and said “Hm. No, not really.”
HOW AM I SURPRISED BY THIS YOU GUYS?! I preach this stuff all day! And yet, I still struggle with putting money on the pedestal it doesn’t deserve to be on.  Maybe I always will.
Fun fact: you know the only part of my budget I’ve remained super jazzed about? Giving. We give a set percentage of our income, so a big bump in pay means a big bump in giving. Playing fast and loose with that money has totally played out like I thought it would. I kinda wish everything else had.
I’m not sure if I have a crystal clear lesson today friends. Just wanted to share the realness. Since this money stuff is kind of my job, I feel the need to dig down and come up some gold nugget of wisdom for you. Usually working on these newsletters helps me get to the bottom of things! But all the threads I followed don’t seem to lead to anywhere clear.
So I’d be interested to know, have you had a similar experience?
Gotten more money to do something you’d always wanted to do and found it a let down? Or am I the odd woman out here?
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29 Sep A Workshop!

I’m obsessed with marriage and relationships.
I read books about it, I’ve paid experts for years to teach me about it, and of course, I do all of the online quizzes.
Maybe it’s because I got married so young, or maybe it’s because I’m a hopeless romantic.
I’m not sure.
But here’s what I AM sure about:
Learning how to financially thrive while being attached to another human does not happen by default. And financial strain in a relationship is almost ALWAYS merely a symptom of a relational strain. 
So we decided to take a stab at addressing both sides of the issue!
We’re combining our financial brains with the heart and smarts of a dear friend and highly sought after marriage therapist, Melody Li, into a one-of-a-kind workshop you’re not going to find anywhere else. We’re calling it Love, Money, Growth!
Things to note:
1. It’s going to be VERY small. Only 10 couples max.
2. This is not going to be a five-hour-lecture. God forbid. This is going to be a workshop. Where we’re going to work alongside you on making tangible things you can walk away with.
3. If working with a financial planner or working with a marriage counselor is super intimidating, this is a GREAT way to dip your toe into the pool instead of jumping into the deep end.
4. We are offering an early bird discount! $50 off if you reserve before Oct 15th!
Check out the video below and SIGN UP HERE TODAY to reserve your spot. (It also makes a great early Christmas gifts for the newly-weds in your life!)
Ps- Let us know if you have questions!
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21 Jul Socially Responsible Investing

Your money is a gift. You are blessed with the ability to earn it and use it to make a positive difference in your own life and the world at large.
That’s what Julia and I believe anyway.
These days, multitasking purchases with social good is becoming commonplace. Think of TOM’s shoes, Burt’s Bees or The Body Shop. These brands have their missions interwoven throughout their products. Through your purchase, you become a part of that mission. It’s only natural that many people, especially us idealistic creative-types, want to do the same with the money they invest. So we wanted to give you a very quick guide to navigating this relatively new and expanding world of “Socially Responsible Investing”
What is it? 
Socially responsible investing is an investment strategy that factors in both financial return and social good when picking investment vehicles. With the ultimate goal to bringing about social change.
Most people take part by putting their money into mutual funds that invest in groups of companies with similar missions or structure.
What do I need to know? 
Twenty years ago, socially responsible funds simply omitted companies involved in tobacco, guns and alcohol.
Now, the landscape is much more diverse. Different fund groups focus on different things. Some group companies that pass certain environmental impact benchmarks. Some are all about women-led corporations. While others can be about forgoing foreign child-labor or treating employees especially well.
You need to look closely and do research before putting your money anywhere. Just because it says “socially responsible” doesn’t mean it’s focusing on the thing that YOU actually care about. Get specific on what your personal mission is and try and focus there.
What’s the cost?
Everything costs something.
What if I asked you to go into a grocery store and find me the absolute best deal on my dinner ingredients, but you could only shop on two aisles.  That would be tough right? As Wealthsimple puts it “there is a good reason for the higher fee: someone smart needs to screen for the most socially responsible companies by combing through reams of data and designing cutting-edge analysis tools. And smart people usually don’t work for free.”
Sometimes they can lag the market at large as well.
Where can I find them? 
Thanks to Google…all over the place! Some robo-advisors like WealthSimple offer them at the click of a button. You can also check out if you want to get really nerdy with it.
I think the most important thing to remember about this kind of investing is that the perfect fund doesn’t exist. All companies are flawed in some way because all people are flawed in some way. But don’t let the quest for the perfect become the enemy of the good!
Have more questions about this? Hit us up!


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