by David C. Branch | Jul 3, 2025 | blog, David C. Branch, Finance
Retirement planning is often seen as a numbers game—calculating savings targets, estimating investment returns, and projecting future expenses. But behind every spreadsheet is a human mind shaped by emotion, bias, and behavior. This is where behavioral finance plays a...
by David C. Branch | Jul 3, 2025 | blog, David C. Branch, Finance
Market corrections are an inevitable part of investing. They occur when the stock market declines by at least ten percent from a recent high and are often triggered by economic uncertainty, geopolitical events, or changes in investor sentiment. While corrections can...
by David C. Branch | Jul 3, 2025 | blog, David C. Branch, Finance
Inflation is often called a silent thief. It does not cause sudden losses like a market crash, but over time, it slowly eats away at the value of your money. For investors and savers alike, understanding how inflation works—and how to protect against it—is essential...
by David C. Branch | Jun 3, 2025 | blog, David C. Branch, Finance
Personal finance often comes down to smart decision making and clear priorities. One of the most common questions people face is whether to save money in an emergency fund or invest it for long term growth. Both strategies are important, but they serve very different...
by David C. Branch | Jun 3, 2025 | blog, David C. Branch, Finance
Investing in the stock market can be intimidating, especially when prices swing dramatically. Volatility often leads to emotional decisions that hurt long-term financial goals. That is where dollar cost averaging can be a powerful and practical approach. It removes...
by David C. Branch | May 7, 2025 | blog, David C. Branch, Finance
When it comes to retirement planning, most people focus on how much they’ve saved. But just as important—if not more—is when you start withdrawing your money. This is where sequence of returns risk comes into play. It’s a lesser-known concept that can...
