About Britton Gregory, CFP®
I’m a fee-only, fiduciary financial planner and investment manager in Austin, TX, and I specialize in working with tech professionals. I founded this firm in 2012 and was helping people with their finances for years before that.
I was an engineer for nearly twenty years, so I greatly prefer research- and analysis-based approach to finance, rather than flashy salesmanship. More tax-efficient investing and research-proven factors of increased returns, and less market timing and hedge funds.
Also, I stand out at financial advisor conferences, because I never wear a suit. Why? The better question is: why is a suit the official uniform of financial advisors? The answer is because our industry originated in sales; fee-only financial advisors such as myself are a relatively new invention, and still uncommon in the industry. Simply put, I don’t wear a suit because I’m not a salesman.
One of my favorite questions (generally asked only after a beer or two) is: if I’m so good at finance, why aren’t I retired and living the good life? The answer is: I am! Building something from the ground up, working hard on something I’m that helps people and that I’m passionate about — that’s my kind of retirement, and it wouldn’t have been possible without the financial skills I’ve built and been taught over the years.
Sound interesting? You can set up a meeting at https://seabornfinancial.as.
It's one thing to have your financial ducks in a row as an individual -- climbing the financial ladder, heading towards the 50/20/10 goal, figuring out retirement. Once you add another human being to the mix, things get an order of magnitude more complicated. (And if you're parents, you get another level of complexity -- and less time and energy to handle it with!)Here are a couple of strategies that can help.The foundation: money timeFirst and foremost, I recommend "money time". (Silly name,
Credit: xkcd.comI've seen it happen time and time again. Smart people -- particularly tech professionals -- fall victim to their own cognitive bias, in no small part because they believe they don't have any. I discuss overconfidence in my post on cognitive bias, but it's worth talking about in a little more detail, because we engineers tend to fall to a particularly pernicious form of overconfidence due to the Dunning-Kruger Effect.What's the Dunning-Kruger Effect?It's pretty easy to intuit
As of this writing, the US yield curve has partially inverted. What does that mean? What should you do? Short answers: nothing we can reliably predict, and nothing you shouldn't already be doing, respectively. If you already knew that, you can skip the rest. Want more? Read on.What's a yield curve?The "yield curve" is a graph of current bond interest rates, where the X-axis is the term of the bond and the Y axis is the interest rates. Here's a chart of recent yield curves:Source: