Educational Resources

Discover why Hermes, the French high-end fashion brand, is a strong long-term investment. Learn about the scarcity and Recession Proof nature of the exclusive Birkin bag.

Heirloom's mid-year 2025 update: Market resilience, foreign stock outperformance, and a focus on free cash flow, valuation discipline, and long-term compounding.

Discover the "triple tax threat" of HSAs: tax-deductible contributions, tax-free growth, and tax-free withdrawals for medical expenses. A versatile, forgotten IRA alternative.

Is the 4% retirement withdrawal rule still reliable? Learn why the 60/40 portfolio and the 4% rule are risky, and discover better strategies for managing retirement withdrawals.

Why do so many people earn good money but still feel stuck? In this video, Mike and Jamie break down the top five reasons people don’t get ahead financially—and how mindset, habits, debt, and time horizon quietly shape long-term success.

Owning more stocks doesn't mean you're diversified. Mike & Jamie break down the 5 real types of diversification — from correlation to tax buckets — that actually protect your portfolio.

Annuities: Good or Bad? Learn about this complex, insurance-based financial product, its guaranteed income potential, comeback, high fees, and suitability for retirement planning.

Are dividend stocks still a good investment? Explore the debate against high bond yields, the benefits of dividend investing, and key metrics like the dividend cushion.

Avoid massive vet bills! Learn why pet insurance is crucial for your financial plan and pet's health, covering unexpected costs like Gus's $20,000 brain surgery.

Learn why balance sheets are essential for investors. Discover the simple formula (Assets = Liabilities + Equity) and why a positive net cash position signals a strong business.

Learn what bear markets are, how portfolios can stay resilient, and why diversification matters during downturns and uncertain economic environments.

Bonds are making a comeback! Learn why high-quality bonds offer over 6% starting yield, providing positive real returns and stability compared to cash or money markets.

Plan now for major tax changes! Current tax laws sunset in 2026, possibly reverting to 2016 brackets. Learn about planning opportunities like Roth conversions.

Should you buy a house now or wait for lower rates? Learn how mortgage rates are tied to the 10-year Treasury and why waiting might lead to paying more for the house.

Discover the best trades of the year (Cocoa & Corn) and how trend following in managed futures increases returns and decreases risk through non-correlation.

Learn how to convert up to $35,000 from a 529 College Fund to a Roth IRA, with a $7,000 annual limit. A powerful retirement planning tool for your child.

Learn about Discounted Cash Flow (DCF) valuation, a universal approach for valuing investments like stocks, bonds, and real estate by forecasting and discounting future cash flows.

Learn about "Diworsification" and how many holdings (around 15-20) you need for proper diversification. Avoid diluting returns with excessive funds and expenses.

The economy isn't as bad as you think! This video debunks common fears about the job market, inflation, and household health, offering positive rebuttals for your next dinner party.

Elections make markets noisy, but data shows the political party in office doesn't matter for long-term investment returns. Don't try to time the market based on election results.

Learn about fractional shares, stock splits (2-for-1), and reverse stock splits (1-for-2). Understand how these actions affect stock ownership and price.

Market update 11.3: Fed holds rates, bond yields drop. Strong earnings for Mercado Libre, Novo Nordisk, Hermès. Economic risks linger with high debt & low savings.

Heirloom Wealth Management's 2023 year-end update: market performance, stocks up 29%, bond rally, AI investments (Google, Microsoft), and healthcare holdings.

Heirloom Wealth Management discusses the bond market, rising rates, inflation, portfolio yields, and the US credit downgrade, offering advice for today's investors.

Heirloom Wealth Management discusses the latest market update: government shutdown, Fed rate hikes, 20-year high interest rates, bond investment opportunities, and defensive portfolio positioning.

Markets fluctuate. Learn why staying patient and invested long-term, even during downturns, has historically rewarded investors, and why timing the market is impossible.

Discussing current portfolio bond positions, the role of bonds as diversifiers against stock market risk, and the historical context of Fed rate hikes and their impact on bond yields.

Summary of the "Big, Beautiful Bill": lower for longer tax brackets, $30M estate exemption for married couples, updated SALT tax rules, and big tax incentives for R&D and business investment.

Learn Heirloom Wealth Management's macroeconomic framework for investing, driven by economic growth and inflation. Incorporating alternative assets has led to top-tier returns.

Quick hit on HSAs: Learn about 2024 contribution limits ($4,150 single/$8,300 family), tax benefits, eligibility, and the power of letting these accounts grow.

Explore why the healthcare sector has flatlined for 24 months. Discover the impact of policy uncertainty, company weakness, and the weight loss drug compounding debate.

Learn how consumer sentiment acts as a contrarian market indicator. Low sentiment predicts strong future returns; high sentiment suggests poor returns.

Financial markets go through “fire drills” — sudden drops, scary headlines, and emotional reactions — more often than most investors realize. Learn how to stay disciplined, protect your financial plan, and keep perspective when volatility strikes.

Celebrate our milestone 10-year audited track record and see how our strategies have delivered strong long-term results across changing markets, highlighted in our new Q4 2025 factsheets.

Discover why free cash flow is crucial for stock picking, driving business value, and determining dividend safety. Learn about the dividend cushion metric.

Heirloom Wealth Management is excited to share our next chapter! Rick and Michael break down our company rebrand, from our new identity and vision to how this evolution enhances the way we serve clients.

Even financial advisors make money mistakes — and in this video, Rick and Mike share some of their personal dumbest financial decisions early in their careers and the valuable lessons they learned from them.

Heirloom Wealth Management's CIO Michael Houston discusses their unique internal investment management, enhanced diversification strategy, audited performance, and portfolios built for successful retirement.

Heirloom Wealth Management discusses its record Q1 2024 outperformance, including top performers Nvidia, ASML, Eli Lilly, Novo Nordisk, and Parker-Hannifin. Strong results driven by AI and managed futures.

Interest rates are dropping! Learn what the FED's changes mean for your bank account and discover safe, low-risk options like CDs and bonds for your cash.

Do you really need 20% down to buy a home or investment property? Learn about flexible financing options, self-employed solutions, and smarter ways to enter the real estate market.

Learn the Rule of 72 to double your money. Discover the power of compounding and how consistent savings, even small amounts like cutting coffee, can make you a millionaire.

Discover the secret to good investing: strong balance sheets. Learn why cash-to-debt ratio is crucial for business flexibility, navigating downturns, and growth.

Should you invest now? Explore data showing why "time in" the market beats "timing" the market, even at all-time highs. Forget the CAPE ratio for timing.

Deciding between pre-tax and Roth 401k contributions? This video explains why Roth contributions may be the better choice now, focusing on tax rates and future income.

Learn how tax loss harvesting works, when it applies, and how using investment losses strategically can reduce taxes and improve after-tax returns.

Before you say “I do,” make sure you’re aligned financially. We break down the top 5 financial red flags before marriage—from hidden debt to opposite money values—and how to protect your future together.

Behavioral biases can quietly derail even the best financial plans. Learn the top 5 money biases and how disciplined strategy helps keep your long-term goals on track.

Discover time arbitrage: why long-term investing outlooks (5.5 years vs. 5.5 months) offer a significant edge over impatient markets and average investors.

"Market down? Don't panic — prepare. Jamie & Mike break down 5 real opportunities created by market volatility, from Roth conversions to tax-loss harvesting. Turn turbulence into your advantage. 📈"

Most people never see these risks coming. Jamie & Mike break down the Top 5 portfolio risks to know before you retire. Is your plan ready?

Are you accidentally wasting money every month? From subscriptions and delivery apps to credit card minimum payments, these everyday habits can quietly drain your finances. Learn the top 5 money traps to avoid.

Learn what a bond is—an IOU or loan with fixed interest and a maturity date. Understand how interest rates, credit risk, and term to maturity affect bond prices and investment.

Learn what a dividend is, why it's a valuable cash flow for shareholders, and how dividends can provide tax-efficient, predictable income and inflation protection.

Learn what stocks and equities are, how they represent ownership in a business, and the benefits of owning them, like participating in growth and receiving dividends.

What is AI? Adaptive computing, powered by Nvidia's chips, is driving incredible growth across industries like automotive, finance, and healthcare. Learn about the fundamentals.

Heirloom Wealth Management discusses alternatives—a third asset class (not stocks or bonds) used to increase long-term return, reduce risk, and provide zero correlation.

Discover what's driving the gold surge. Learn about currency debasement, gold's value as an inflation hedge, and the different ways to invest (bullion, ETFs, futures).

We are hardwired to hate losing more than we love winning. Learn how negativity bias affects investing decisions and the historical difference between bull and bear markets.