Wisdom in Wealth

By William Beynon & John Walker - Key Takeaways Understanding the phases of financial life—Accumulation, Protection, and Distribution—is crucial for effective retirement planning. Choosing the right withdrawal rate against your[…]

By William Beynon & John Walker - In finance, historical data helps us understand market trends. Our study of 94 5-year periods on the S&P 500 shows that most had positive returns, with only six negative ones. Returns typically fell[…]

By William Beynon & John Walker - Key Takeaways Family Structure Consideration: Family dynamics, including blended families and differing sensibilities, must be carefully considered when assigning roles for financial and health[…]

By William Beynon & John Walker - In my travels, I have yet to meet a person who wishes that their children and grandchildren do worse than they do in life. Universally, I think that all parents want to give their children the best[…]

By William Beynon & John Walker - One thing that I encourage everyone to do is think in a forward way as one-year yields to another. Whether 2023 was a banner or a bust for your family, we can all start fresh on a new calendar year.[…]

By William Beynon & John Walker - In the last two years, things seem to have only gotten more difficult when it comes to making choices about asset allocation. The S&P 500 (SPY) is essentially flat as we look back 2 years to date as[…]

By William Beynon & John Walker - One of the luckiest blessings in my life is that I am constantly surrounded by thoughtful people who have unique insights on life. I was recently asked to participate in the crafting of a financial[…]

By William Beynon & John Walker - In governance, the rule of the powerful one is called a Monarchy, and the rule of the powerful few is an Oligarchy. Over the course of this year, we have seen what may appear as the masquerade of the[…]

By William Beynon & John Walker - Back in 1974, the ERISA Act established the legal base for the IRAs we all know and love. Just 4 years later, the legislation that created the 401k was born. Since that time, most Americans have[…]

By William Beynon & John Walker - In Part 1 of this discussion, we looked at the tax nature of gifts. We reviewed various types of assets to give and their taxable repercussions. We defined a gift in taxable terms as giving dominion[…]