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Chunks O' Chill

Insights to help you discover your ZeroCelsius.

Don’t Lose Yourself to Scammers

As the April tax filing deadline approaches, scammers are increasingly on the hunt for your personal information.

Con artists use unsolicited email and fake websites to lure potential victims into divulging personal information. Be leery of unexpected emails or phone calls from the IRS promising refunds or threatening to collect —  Read more →

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Though basically flat for the year, most major U.S. stock markets finished the week in positive terrority… The first time in 2016! This may have folks wondering what the first 11 weeks of the year was all about.
Another typical period in the life of an investor. {sigh}
For long-term investors — folks that get it — it was just AFGO, another effing(!) growth opportunity.

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Scan & Shred with Scannable App

The cheapest real estate on Earth is in the cloud.
Did you know that ZeroCelsius has been scanning documents as “PDF’s” since the turn of the century? For 16 years now, we’ve maintained a “paperless” filing system. That’s why you won’t see any file cabinets or shelves of notebooks at the Wealth Studio.
Fred hasn’t picked up on the whole “scan & shred” thing.

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Made in “Who Cares”

Did you know the last time you drank a Poland Springs bottle of water or ate a KitKat, you were contributing to the success of Nestlé, the world’s largest food producer? The company happens to be headquartered in Switzerland but draws a mere 2% of its sales from there.¹

In this brief video Ross explains the importance of global investing.
Read more →

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Average Is Not Normal

From 1928 through the end of 2015 the S&P 500® Index has produced an average annualized return of 9.5%.

How many of those 87 calendar years do you think the S&P 500 returned between 9% – 10%?

In this brief video Ross explains why average is not normal.
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Last 5 Years vs. Average 5 Years

Check this out… Let’s compare the last 5-year period with the average 5-year period.

The last 5 years have created one of the widest performance gaps we’ve experienced over the past 40 years. Five years is a long time for investors to endure historical “underperformance” from their portfolio’s primary diversifiers.

Check out these charts: Read more →

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Chart, Investing

Flat Years Don’t Foretell Next Years

How do think the stock market will perform this year?
While 2015 was an underwhelming year for the S&P 500 Index, it is interesting to look at what the index did following prior underwhelming years (defined as returns between -5% and 5%). Investors may think that an underwhelming year foretells more meddling returns in the following year. But check out this chart…Since 1926, there have been eleven periods (including last year) where the index fell in this range.

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Online Studio Sessions

Live web-based Studio Sessions designed to get you ‘there’.

— Session Recording —
Follow along as Ross guides you through the basics of risk & reward. This session is designed to remove the mystery and confusion from investing. In this hour-long presentation you’ll learn how to understand risk & reward so you can increase returns without increasing risk.

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Questions You Need Answered

Whether you’re investing for your future retirement or living it now, there are some important questions you need answered:

How much money will you need for your future self?
When will you need it?
How much can you save?
How much should you save?
How much do you need to earn on your savings?
How much risk can you take?
How much risk should you take?
How much Social Security income can you expect?
Is your investment plan designed to get the rewards you need?
Are you willing to downsize your ho…

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Insight, Planning

The Lost Years Club

“If you don’t know where you’re going, chances are you’ll wind up somewhere else.” – A Wise Pooh Bear
If you aren’t clear about where you are, and where you are going—financially-speaking, we get it. We understand what it’s like to be foggy about such things; we see it every day. People spend years—decades even!—lost in this fog. They are members of what Lee Eisenberg in his book, The Number, calls the Lost Years Club.

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Who We Are

Meet Ross + Robin

Who We Are

Know Where You're Going