If something happened to you tonight, would the person you love most know where to start? The Emergency Playbook: The document every family needs but almost nobody has.

Why we don't take the fund manager's stellar performance at face value? Every few months, someone shows us a fund that has been beating the market by 10 percentage points a year. The question is always the same: why are we not with them? It is a fair question. But if we were just chasing the biggest number on a league table, we would be doing you a disservice. We are trying to build something that lasts. And that changes everything about how you read a performance record. A g

Should you move your money when markets get scary? Most people confuse temporary volatility with permanent loss. They are not the same thing. Volatility is the price of admission for long term returns. Permanent loss of capital is the real risk. Warren Buffett has never met anyone who consistently times the market. Missing just the ten best trading days halves your portfolio. Stay invested. Read the market temperature. Adjust your formation without leaving the field.

Risk is at the center of all investment returns. Do you understand it well enough to harness its power?