Contemporary artist Jay Wayne Jenkins suggests in one of his pieces of poetry that after saving substantial amounts of money his very next goal is to continue saving more. There is a great amount of wisdom to be taken from this approach when viewed from the frame of retirement planning.

He then refers to transferring as much of it as possible in a location that will not only be out of reach of temptation of impulsive spending but will also be sheltered from the federal government. I am unsure of what his exact intention was in this line of his poetry but it can also be applied to the retirement planning arena. Tax deferred accounts such as 401(k), IRA and Roth IRA’s are great places to save money for that future date when you no longer have to work for a living. The primary reason is that without the drag of annual taxation on capital gains and income earned on the investments inside of those accounts is sheltered from tax, which leaves more money in the account to continue its growth over the long term.

Frequently inspiration to take care of one’s finances comes from traditional sources such as newspaper articles, financial advisors or responsible friends or family. Sometimes it comes from a less traditional source like a contemporary poet such as Mr. Jenkins.

-Konrad Karwowski, CFP®

An interesting development in the life insurance industry that is a win/win situation. Contact us to see how we can help you save money on future premiums.


Interesting YouTube Video

This video does a good job of explaining how risk generally decreases as an investor’s holding period gets longer.



Here is an interesting article that I believe highlights what will be an emerging trend. Intelligent stock selection may outperform index strategies by taking advantage of their inability to adjust to market conditions.  Will taking advantage of the risk-on/risk-off nature of indexing be the next strategy that active managers implement?

A major part of planning for a healthy financial future  includes making sure you are able to provide for yourself or a loved one in the event that long term care or assisted living care becomes necessary.  Making “Long Term Care” (LTC) planning decisions, either for yourself or your loved ones, can often be a confusing and difficult process.  This short video has some great information about the types of LTC that are available and the steps you can take to ensure that you and your family are taken care of before the need arises.

Contact Ryan Marsh at Excalibur Financial Services at 904-619-5944 or by email at for further information or to assist you with creating a Long Term Care plan that will protect you and your family’s future.


Long Term Care Planning from Ash Brokerage on Vimeo.

In a surprise move the Swiss National Bank removed its rate cap on the Swiss Franc.  The effect on markets around the world was largely negative, demonstrating the influence that the central bank of even a relatively small country can have around the world.  Two good articles on the matter: