Joseph Stephens |

It happens when you least expect it - a fall from a ladder, a skiing accident, a serious illness- no one plans to become disabled. As a result, very few people

Joseph Stephens |

If you’ve ever seen it, it’s one of those things you’ll never forget – the mass migration of hundreds of thousands of wildebeest moving across the plains of

Joseph Stephens |

Most people looking to implement a financial plan are making decisions with the long-term in mind. While what “long-term” means tend to vary depending on