You can get there from here.

Welcome. I know what you’re thinking:  “Just what the world needs…. another personal finance blog.  Next!”  You’re right.  The last thing the world needs right now is another blog devoted to personal finance. There is no shortage of personal financial information being shared these days.  But that’s exactly why I’m writing.  There is too much financial information.  My goal is to help you filter out some of the noise, and provide you with a basic understanding of timely and relevant personal finance topics and products:

  1. What they are,
  2. How they work,
  3. When they might be useful (and avoided),
  4. Where you can learn more,
  5. Most important:  how to prioritize all of this information into a coherent personal financial plan.

Who Should Read This Blog?

You should be reading this blog if:

  • You have to work to pay your bills to cover living expenses.
  • You need to save and invest to achieve future goals, like buying a home, starting a family, or retiring.
  • You had to do those items listed in bullets #1 and #2, and are retired or about to retire.

It doesn’t matter to me whether you earn $40,000 or $900,000 a year, or whether you’re worth $50,000 or $1,000,000.  If you haven’t yet reached your goals (retirement in particular), then read on, because perhaps I can help.

What you’ll find here are explanations of topics that I consider critical to your getting from here to there.  “Here” means you current financial state – whatever that may be.  “There” means your goal – retirement, college funding, second home, etc.   I’ll recommend and prioritize for you what to focus on and what you can safely ignore (and why).

So, what you won’t find here are what I consider distractions – some harmless and useless, and others downright harmful and toxic to your financial health.  We’ll avoid market and company-specific commentary.  There will be no hot stock picks, and very few, if any, suggestions about anything (except general suggestions like “Save for retirement.” or “Get moving on your estate plan.”).  Although I will need to talk tax strategies from time to time, we’ll leave politics out of the conversation.

Like Miles Davis is reported to have once said about soloing, “It’s not the notes you play. It’s the notes you don’t play.”  So, read on, enjoy, and I’ll try to keep posts crisp, clear, and brief (begging an exemption on this post).

Which reminds me.  This blog is for informational purposes only. The posts are my opinions, not specific advice.  If you want advice, retain a professional.

More to come…

Daniel D’Ordine, CFP® is the owner of DDO Advisory Services, LLC, a full service financial planning and investment advisory firm in New York City and Rhinebeck, NY.
Follow me @DDOadvisory.

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