The Penn Valente Group at Baird

The truth is a little more complicated with these personal finance idioms.

The Latte Lie and Other Myths Check out this video to begin separating fact from fiction.

Having anxiety about paying off student loans is natural, but not always necessary. Before you work up a sweat, read about (and consider) your many potential options here.

The Smart Way to Pay Off Student Loans When it comes to paying off your student loan debt, you may have more options than you realize.

Making objective choices can be tough when investing, but many savvy investors know how to keep their decisions emotion-free.

What Smart Investors Know Savvy investors take the time to separate emotion from fact.

Equity markets fell on Tuesday as geopolitical tensions ramped up and global bond yields spiked.

In the Markets Now: Selloff Summary for January 20, 2026

What if your Social Security check was 20% lower than expected?

Could your retirement plan absorb the difference?

While Social Security isn't disappearing, policymakers may eventually need to make changes to keep the program financially sound. That's why I encourage clients to view Social Security as one component of a broader retirement income strategy and not the entire strategy.

The most successful retirees typically have multiple income streams: • Social Security
• 401(k)s and IRAs
• Taxable investments
• Pensions (if available)
• Other income sources

A simple question worth considering:

If your Social Security benefit changed tomorrow, would your retirement plan change with it?

That's a good stress test for any retirement plan.

When it comes to investing, you may be your own worst enemy.

Don’t Be Your Own Worst Enemy Emotional biases can adversely impact financial decision making. Here’s a few to be mindful of.

Looking for more retirement savings vehicles after maxing out your 401(k)? Explore the pros and cons of additional savings options like IRAs, Roth IRAs, Health Savings Accounts and brokerage accounts.

After You Max Out Your 401(k) Looking to make the max contribution to your 401(k) and then some? Here are some options to save even more for retirement.

Consider a bucket plan to go with your bucket list.

A Bucket Plan to Go with Your Bucket List A bucket plan can help you be better prepared for a comfortable retirement.

When a loved one reaches out for financial help, you have options around how you may choose to assist them. To explore a few choices that could benefit all involved, read here.

Helping Out a Family Member How do you offer money in a way that works for everyone?

Mike talks about the importance of stepping back to notice how far you've coming.

Bull & Baird: Perspective