Blog
Welcome to our Blog. Since there's so much industry material on our website, this Blog will mostly be David's photographs and short commentary. We’re glad to have you reading along.
Don’t Let Sequence of Returns Risk Cause You to Outlive Your Money
Most investors believe average returns determine retirement success. In reality, timing matters more. Sequence of returns risk refers to the danger of experiencing poor market returns early in retirement while you are withdrawing income...
Read MorePreserving Family Legacy
Preserving Family Legacy: The Art of Multi-Generational Stewardship in Wealth ManagementAs a wealthcare professional who has guided high-net-worth families through the complexities of financial planning for decades, I have witnessed...
Read MoreThe One Conversation High-Net-Worth Parents Avoid But Shouldn’t
The One Conversation High-Net-Worth Parents Avoid—But Shouldn’t. For many successful families, the topic of inheritance sits quietly in the background—felt by everyone, spoken by no one. Parents hesitate because they don’t want to...
Read MoreMy Webinar For Healthcare Folks 11/11/2025
Happy to announce I'll be hosting another webinar for wealthcare professionals Tuesday November 11, 2025 at noon.
Read MoreMy Photo: "Hairy Potter"
Happy to report my photograph, Hairy Potter, is being included in the West Hartford Art League's juried art show this September. Competition was stiff. Visit the show to see many high quality local artists' works.
Read MoreShow All
New Webinar for Business Owners
Happy to report I hosted a new webinar for business owners on my LinkedIn site recently, and now have posted it for everyone on my YouTube channel here: https://youtu.be/_DyJ2B1l83k?feature=shared
Read MoreRed White & Blue American Barn
Happy to report my "American Barn" image is being included in the New Britain Museum of American Art's annual fund raising event. You can bid on this and hang it in your urban home!
Read MoreWebinar tomorrow at noon ET on LinkedIn
Here's the link to my webinar now on my YouTube channel. Even though it's directed to healthcare professionals, much of it applies to all families. https://youtu.be/mnnkOWq1qtk?feature=shared
Read MoreWebinar Announcement
Happy to announce my upcoming webinar for Healthcare Professionals by a Wealthcare Professional! Hope you can tune in. (Here's the link to this webinar now on my YouTube channel: https://youtu.be/mnnkOWq1qtk?feature=shared)
Read MoreMerry Christmas - AI Image by Grok
Merry Christmas and Happy Holidays to all. I used AI (Grok) to create an image of Mary and baby Jesus in a manger. AI imagery is getting better and better. May you all have a happy and healthy holiday season with family and friends.
Read MoreHappy To Sponsor The American College of Physicians
Happy to have sponsored and participated in, for the second year in a row, the American College of Physician's annual networking event. My table offered these newly minted doctors lots of financial planning and investing materials for...
Read MoreMy Photo: "North American Bison" update
Happy to report my photograph, North American Bison, is being included in the New Britain Museum of American Art's annual fund raising event. You can bid on him and hang him over one of your fireplaces!
Read MoreOne Solution to Not Being Able to Retire
I recently posted an article from Investopedia on my LinkedIn page entitled "Nearly a Quarter of American Gen Xers Say They Won't Retire, Survey Shows". And I posted a comment explaining how concerned grandparents can help their newly...
Read MoreStock Market Trends from 1935 to 2024
We all can have a hard time thinking about the stock market in its longer time frame ("TF"). Traders view the market across multiple TFs (time frames). Each TF tells its own story of where the market's been and where it might be headed...
Read MoreRecently Completed My Finance Book for Young Professionals
Our schools (both public and private) have dropped the ball on teaching basic financial concepts to all of us. So here you go! Please share this as widely as you'd like. It can help all ages at all life stages. Onward!
Read MoreAnother great year ski instructing
This group photo is Ski Sundown's Saturday instructors. The ski school has about 150 great instructors total, all of us helping our students advance their skiing skills. This was my 12th year teaching all ages and all skill levels....
Read MorePrice Changes Since 2000
Here's an interesting chart form the Bureau of Labor Statistics showing how prices in various categories have changed since the turn of the century (2000 to 2023). The overall inflation rate has been 82.4% or 3.6% per year annual...
Read MorePhotographers partnering with AI
As a professional photographer, I've been following AI and its ability to produce "AI generated image elements" which, in Photoshop, can be composited with photographers' "camera generated image elements". Recently a couple AI engines...
Read MoreHappy to sponsor the American College of Physicians
We were happy to support the recent event of the American College of Physicians here in Connecticut. Many new and old doctors sharing their science and ideas at this all-day conference. One highlight was the "Doctor's Jeopardy" game in...
Read MoreMy Second Article Published at DocWorking
Happy to report I recently wrote an article for the DocWorking community of over 10k working doctors. You can read it here:https://docworking.com/2023/09/29/financial-independence-is-a-dream/
Read MoreRed Tail Hawk too close for comfort!
This red tail hawk flew onto this perch with a flurry of feathers yesterday at lunchtime. It's just outside my office windows. Holy smokes! I usually only see mourning doves and English sparrows here. Grabbed this photo with my Samsung...
Read MoreTutor to help your school age kids with classes
Kahn Academy, a non-profit, has been helping students and teachers with their lessons for many years now. They've just added a heavily curated and controlled AI capability to their toolbox. So you might find this helpful with your...
Read MoreMy Recent Article Published at DocWorking
Happy to report I recently wrote an article for the DocWorking community of over 10k working doctors. You can read it here:https://docworking.com/2023/08/04/physician-retirement-sequence-of-returns-risk/
Read MoreGrandson checking me out!
Recent photo of one of my grandsons giving me the once-over. Not sure he knows what to make of me! "Who is this guy with all those wrinkles?" Happy to report we're up to three grandsons now. No granddaughters yet. (Click to enlarge photo.)
Read MoreMy name up in lights ... sort of!
Happy to report my solo photography show entitled "Wildlife Through the Lens" will be showing at the Gallery on the Green's Spotlight Gallery on the second floor in Canton, CT from July 7 to August 5. The first floor gallery will also...
Read MoreOn This Memorial Day
My father joined the navy at age 18 in early 1945. And with his other navy crew-members, they steamed off toward Japan to engage in the south Pacific. Most military experts at the time projected extremely large casualties. However,...
Read MoreAI helped me write my photo show description
My upcoming photo show at the Gallery on the Green needed a description to help market it to the public. So I turned to AI to see what ChatGPT could do. And the result was astonishing! My request to ChatGPT: Please write a...
Read MoreMy First AI Image
As a part-time professional nature photographer (www.dwmccary.com) I'm naturally curious about how AI will impact photography. So I tried making an AI image recently. I asked AI to produce an image of a hummingbird working flowers. And...
Read MoreChatGPT's Investment Advice!
The new artificial intelligence tool, ChatGPT, is newly released and free to use. (Google "chatgpt" to find it.) I recently asked it the best way to invest $1 million. Here's ChatGPT's answer (not bad!).
Read MoreSkiing at Snowbird, big snow year!
Had a great time skiing Snowbird, Utah with my son, son-in-law and their buddies recently. This season was one of the best for snowfall in the past five years. They'll easily surpass their usual 500 inches this year. My son and I have skied
Read MorePassed my CPWA® Certification exam!
I'm happy to report after many months of study I've passed my Certified Private Wealth Advisor® exam and am now a CPWA® professional. The Certified Private Wealth Advisor® (CPWA®) certification...
Read MoreHappy Thanksgiving
Happy Thanksgiving. Hope you enjoy your time with family. My daughter makes an excellent apple pie. This was last year's. I can almost smell this year's already!
Read MoreSponsored CT Society of Plastic Surgeons
Happy to report we were one of the sponsors of a recent gathering of The Connecticut Society of Plastic Surgeons, Inc. The keynote speaker was Dr. Bohdan Pomahac, Division Chief of Plastic Surgery, Yale School of Medicine. He's one of...
Read MoreFoliage mid-change
We're reaching peak in northern Connecticut. Caught this maple in "mid-change". The colors are always amazing in the northeast this time of year. Don't forget to get out and enjoy nature's show. (Click to enlarge the image.)
Read MoreAugust and Elephants
Thought I'd post my Elephant image this month, imagining how hot this big bruiser must be currently. Hope you're all enjoying your summer months and staying cool! (Click photo to enlarge.)
Read MoreFourth of July on the links
Celebrating our great country's 246th birthday this year on the golf course. Enjoyed seeing the US flag on every hole!
Read MoreHappy Mothers Day
My mother continues to be a great mother, pictured here with my grandson. Thanks to all you mothers, grandmothers and great-grandmothers for all you do for all of us. (Click photo to enlarge.)
Read MoreTelluride Ski Trip
Enjoyed a great week of skiing and sunshine at Telluride, CO this year with a great group of friends. Get out if you can. The season is short. Think snow! (Click photo to see the group.)
Read MoreRecent Podcast guest with a Legacy Planning Coach
I recently spoke with Angelina Carleton, host of Design Your Legacy Podcast. We had a lively 30 minute talk discussing how to create wealth across generations.
Read MoreSki season is upon us. Hit the slopes if you can.
Passed this classic Vermont barn on my way to skiing Okemo. Ski season is short. Get out if you can and enjoy the cold outdoors.
Read MoreMerry Christmas and Happy New Year
Holiday greetings from our family to yours.
Read MoreRecent Panelist Speaker at the Multi-Family Office & Wealth Management Summit
This panel had a lively discussion on the advantages of a Virtual Family Office in contrast to a Single Family Office or Multi Family Office. Contact me if you'd like to learn more.
Read MoreQuoted in Advisors Magazine
Happy to report I was recently quoted in this Advisors Magazine article entitled “Are You Being Sold or Advised?” A quick 3 minute read you might find helpful if you're looking for a financial advisor. Enjoy. http://www...
Read MoreHappy July 4th - USA's 245th birthday
Celebrating our great country's 245th birthday this weekend in Lake Placid, inside the Adirondack Park. The Park is 6 million acres, bigger than Yellowstone (2 million), Yosemite (0.8 million), Grand Canyon (1.2 million), and Great...
Read MoreFinancial Planning & Wealth Management Summit
Happy to report I recently participated as a speaker in the Financial Planning & Wealth Management Summit for Women Entrepreneurs. Follow this link if you'd like to hear my 20 minute interview with the host, Purvi Tantia (click here).
Read MoreHappy Mother's Day
To all you mothers out there, happy Mother's Day and thank you for all you do to make our lives possible. (Caught this mother yesterday hard at work!)
Read MoreLate father's jacket and tie
I wore my late father’s jacket and tie to church this cold, rainy morning. Warmed me inside and out.
Read MoreFinancial Planning Academy for High Schoolers
If you have a high schooler interested in learning more about financial planning (a worthy life skill), for a modest fee, they can apply to this one week virtual seminar offered through Texas Tech University. Here's the link:...
Read MoreBuy high, sell low problem once again in 2020
One of the biggest challenges we face as investors is controlling our emotions when it comes to our investment behaviors. Ideally we'd like to buy low and sell high. However, time and time again the data reveals we do the opposite. We...
Read MoreCovid Ski Season Surprising Success
Completed my10th winter season last week teaching skiing to all ages and all skill levels. However, at the beginning of this year's season, the ski school wasn't sure we'd even have a season this covid year. All instructors, lift...
Read MoreThe Benefits of Planning - a day on the slopes
Recently had the good fortune to ski Whiteface in Lake Placid, NY. The conditions were good and the views were even better. As I was hurtling down this steeper-than-average mountain, I was glad my edges were recently sharpened. I was...
Read MoreOur Winter 2021 Newsletter
In case you didn't see our Winter Newsletter 2021, click into this blog post and then look at the bottom for the hyper-link (Winter 2021 Newsletter) .....
Read MoreWisdom from Sam Snead, professional golfer
"Of all the hazards, fear is the worst." Sam Snead, professional golfer who won a record 82 tour events during his career
Read MoreMerry Christmas, Happy Holidays & New Year
Here's wishing you and your family a Merry Christmas, Happy Holiday and Productive New Year. Photo is our home after an unusually large snowfall this December 2020. Shortly afterwards, almost all of it was melted away!
Read MoreChoosing a Retirement Plan for Your Business
One survey found that 79% of small business owners expect at least some of their retirement income to come from tax-advantaged retirement savings accounts.1 If you have yet to develop a retirement plan for your business, or if you're...
Read MoreFall Foliage
Fall foliage is an annual reminder of nature's amazing planning cycles. You might consider your own planning cycles for your family's current and future well being. Whether you're a do-it-yourselfer or prefer to outsource investing and...
Read MoreRemembering 911
Remembering 911 with one of the better photographs (above) and one of the better commercials (click "Related link" below for short You tube video) at the time. Proud to be associated with the Anheuser family.
Read MoreInvestment Challenges of the Affluent Investor
High net worth investors face investment challenges that some would consider unique to their financial status. The fundamental tenets of investing apply equally to them as with any other investor, but the affluent investor needs to be...
Read MoreHappy 4th of July to All!
The founding of this great country is an example of great Planning that produced more than the founders could have imagined at the time. The compounding effect of their original Plan has created one of the the largest free economies on...
Read MoreA Salute To Our Veterans On This Memorial Day
My father joined the navy at age 18 in early 1945. And with his other navy crew-members, they steamed off toward Japan to engage in the south Pacific. Most military experts at the time projected extremely large casualties. However,...
Read MoreA Belated Happy Mother's Day to All You Mothers Out There
A belated Happy Mothers Day to my great mother and all you mothers out there. We couldn't do it without you!
Read MoreBlue Angels Fly-Over for Healthcare Workers
Yesterday the Blue Angels flew over New York City to honor all healthcare workers putting themselves in harms way. Excellent idea which took exceptional Planning! (Here's my photo of these same Blue Angels up close using my 400 mm lens.)
Read MoreBecoming an Adirondack 46er Blog
Click below to go to my hiking Blog, "Becoming a 46er", and follow my decade-long journey to hike up the 46 highest peaks in the Adirondack Park.
Read MoreSpring isn't quarantined!
Thankfully, Spring can't be stopped. "Nature amazes."
Read MorePelicans Formation Flying Over Pacific Sunset
These pelicans reduce drag by flying in formation. Financial planning can do the same!
Read MoreBuffalo Came Back With Long Term Planning
And we're glad they did. "Nature amazes."
Read MoreBest Time to Plant a Tree Was 20 Years Ago
The second best time to plant a tree is today. Planning helps make that happen.
Read MoreMikaela Shiffrin, World Class World Cup Skier
Mikaela Shiffrin. Excellence in sport and life at the young age of 25. That's planning from her whole family!
Read More