Financial Planning Articles

Close-knit, high-trust relationships make people feel happier, but they also make them more resilient and capable of banding together, coming alongside each other, sharing resources, combining talents, accomplishing great feats, and bouncing back quickly from fearsome setbacks. Our history is replete with inspiring examples of this phenomenon.

Social wealth is priceless. But like all forms of wealth, it must be stewarded – protected, grown, and deployed - wisely and carefully, with an eye towards the greater good…

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For any of you who are interested here is a simplified synopsis of the newly enacted One Big Beautiful Bill Act (H.R. 1)—signed into law by President Trump on July 4, 2025—focusing on its key impacts for families and individuals…

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We are now living, as the fabled Chinese curse prescribes, “in interesting times.”

That is not a comforting opening line, I know. But under the circumstances, if I were to attempt to be comforting, it might sound hollow to you. For the record, it would certainly seem so to me. There is nothing comforting about any of what we’re experiencing in financial markets, geopolitics, international trade, or our current sense of overall stability. Everything is in flux, and it would be surprising if you weren’t at least a little unsettled…

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At Lucien, Stirling & Gray Advisory Group, we are profoundly aware that trust and confidence comprise the foundation of any great financial partnership. That's why we're excited to invite our valued clients and trusted friends to explore our Client Testimonial Page

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In today’s financial landscape, navigating the rules surrounding Retirement Plans can be daunting. Regulations are constantly evolving, so it’s essential to stay informed so you can make optimal decisions for your retirement planning…

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Happy New Year from Lucien, Stirling & Gray

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Happy Thanksgiving from Lucien, Stirling & Gray

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True wealth comes in many forms, and plenty of incredibly valuable investments have very little to do with money. If you’ve been reading these essays for any length of time, you have seen me express these deeply held beliefs before…

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In today’s financial landscape, navigating the rules surrounding Individual Retirement Accounts (IRAs) and inherited IRAs can be daunting. With regulations evolving, especially concerning Required Minimum Distributions (RMDs), it’s essential to stay informed to make the best decisions for your retirement planning. In this newsletter, we’ll break down the current rules...

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In the world of investment planning, certainty is a rare commodity. Markets fluctuate, economies evolve, and unforeseen events can upend even the most meticulously crafted plans. Embracing ambiguity, therefore, becomes not just a strategy but a necessity. Investors who learn to navigate uncertainty can adapt more effectively, seize opportunities, and ultimately achieve better outcomes.

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I believe that life - for all of us - is just a long adventure trip into the unknown wilderness. I also believe that the role of a trusted advisor is like that of a guide.

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I have a crystal ball in my office. It doesn’t help me foretell the future, but it does speak to me in some very powerful ways – some humorous, some more philosophical, and some that are both.

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If our investment assets and bank accounts are the tip of the iceberg, the mere 10% that sticks up above the surface and easily catches your attention, what lies beneath?

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Last month we touched on the notion that there are other meaningful dimensions to wealth besides the current market value of all that you own. But how do we define those dimensions? 

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HOW DO YOU DEFINE “WEALTH”? - It’s a question I’ve spent 33 years asking people – in one-on-one meetings, in small groups, and in larger seminars. I’ve asked clients, colleagues, friends and business associates. I’m curious to hear people’s answers, because how they define “wealth”, individually and collectively, is one of the keys to helping them plan and invest effectively.

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Now, more than ever, we live in a world that is constantly evolving, the intersection of technology and healthcare has become a beacon of hope, promising a future where our well-being is not only preserved but enhanced. In this edition of our newsletter, I delve into the positive strides being made in futuristic inventions that are reshaping the landscape of healthcare. From groundbreaking technologies to revolutionary medical advancements, the future is brighter than ever for the possibility of people living longer and healthier lives.

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We live in an unpredictable world, and other than death and taxes, nothing is certain. Everything is subject to change, often at a moment’s notice. The huge conundrum, and indeed the greatest temperamental challenge that all long-term investors have always had to confront is that the future we all invest in and for is unknowable.

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As 2023 comes to a close, you and your family reflect on where you’ve been and where you’d like to go.

As the year wraps up, it’s natural to think about your goals — professionally, personally, and financially. It’s something that you and your household will want to assess and talk about openly and honestly.

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We are living, and investing, through a time of significant and accelerating change. It’s impacting every single aspect of our lives. Everywhere around us we can see and feel the signs of fatigue and heightened emotion that go with it.

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As we pass the midpoint of the year, it seems that more than a few outspoken market prognosticators have been caught by surprise that stock markets across the board have rallied substantially. The brutal recession that many had vociferously forecast as the inevitable result of rising interest rates has failed to materialize…

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