Personal Finance Blog | Skrobonja Financial Group
A man playing a stack game with wooden blocks, a metaphor for managing investment risk

Managing Investment Risk

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Have you ever been at an amusement park where they have a bridge, with a spinning drum surrounding the bridge? The drum has an optical illusion printed onto it and it is illuminated with a black light. You cannot see the actual bridge you are walking across, because it is pitch black, and the illusion of the spinning drum has…

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Close-up of a man discussing an asset allocation plans with a financial advisor

Asset Allocation

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Most everyone has heard the saying, “Don’t put all your eggs into one basket.” It is used as a cautionary suggestion to not rely on one thing for the results you are seeking. Over the years it has become a buzzword used by many financial advisors and investors when they suggest building a portfolio of investments. It is translated to…

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A young couple sitting across from a financial advisor, discussing their annuity options

Should You Buy An Annuity?

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Do you have questions about whether to buy an annuity? If so, you are in the right place. I am going to reveal to you what I have learned after 20+ years as a financial advisor. First of all, understand that nearly everything you have heard about annuities has likely come from someone who has something to gain (or lose)…

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A pen and investments spreadsheet on a table while financiers stand in the background.

Understanding Investments

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The idea of taking hard-earned money and placing it into an investment, which you do not fully understand or realize the risk associated with, can be a cause for uneasiness. Many people who bring their investments to me for review often do not know what they have, cannot read their statement, and typically have no contact with the company or…

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Happy multi-generation family walking in the countryside

Are You Leaving a Legacy or Leaving a Mess?

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It has been my observation that the financial services industry has done a poor job with truly helping people with wealth transfer. The public, and many professional advisors, have limited thinking about how wealth is created and transferred upon death. The existing mindset around estate planning normally leads up to the death of one generation and then distributes the assets…

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Inflation: The Silent Killer of Your Money

The Silent Killer of Your Money

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One of the main enemies of saving money is inflation. It is known as the silent killer and earns its reputation by its slow deterioration on the purchasing power of our money over time. Inflation impacts our life in small doses which make it easily overlooked from one year to the next but its effects can be problematic long term. Inflation…

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What is Cash Flow?

What is Cash Flow?

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One of the most challenging aspects of money management for the average person is the accountability of how it is used. Busy lifestyles and poor habits leave little time for us to properly manage our hard-earned money. It often becomes a cycle of addressing problems as they arise, and otherwise sinking into an out of sight, out of mind mindset….

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