Two 401(k)s and Nobody Watching Podcast Aug 6 Written By Paul Fenner <div class="video-caption-wrapper"> <div class="video-caption"> <p class="" data-rte-preserve-empty="true" style="white-space:pre-wrap;"></p> </div> </div> </div> <style class="transform-vars"> #block-d9a744d52ed930eabbba { --opacity: 100%; --translate-x: 0px; --translate-y: 0px; --rotation: 0deg; --scale-x: 100%; --scale-y: 100%; --skew-x: 0deg; --skew-y: 0deg; --origin-x: 50%; --origin-y: 50%; --block-transform: none; opacity: var(--opacity, 1); transform: var(--block-transform); transform-origin: var(--origin-x) var(--origin-y); } </style><style class="transform-overrides-vars"> </style> </div></div><div class="sqs-block website-component-block sqs-block-website-component sqs-block-html html-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/31b4e3a9-f074-411d-ae8f-0cd820aa59c6_811/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/31b4e3a9-f074-411d-ae8f-0cd820aa59c6_811/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="07c7ab2c7601410021db" id="block-07c7ab2c7601410021db"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">What if your money problem was never a behavior problem?</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">I keep coming back to the idea that doing well with money is mostly about patience and long-term thinking. I believe that. But what if you're already cleared that bar, and not where you want to be?</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">You saved through every downturn since 2008. You never panic sold. But your financial lives are still not where you want them to be, and it costs real money.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">I walk through what actually goes wrong: two 401(k)s that were never looked at in the same window, a household stock allocation that nobody chose on purpose, equity comp that quietly builds concentration and leaves a tax gap that shows up in April, and beneficiary forms that have not been touched in over a decade.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">None of these is a behavior failure. They are decisions with no deadline attached, which is a different problem entirely. I also talk about the deadline I had to invent for myself, and why it’s still uncomfortable to say it out loud.</p><h3 style="white-space:pre-wrap;" data-rte-preserve-empty="true"><strong>ADDITIONAL RESOURCES YOU MAY LIKE</strong></h3></div> <style id="container-styles">#block-07c7ab2c7601410021db { --stroke-style: none;--stroke-thickness: 6px; } #block-07c7ab2c7601410021db .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-07c7ab2c7601410021db { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-07c7ab2c7601410021db { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-07c7ab2c7601410021db { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-07c7ab2c7601410021db { } } @media screen and (max-width: 767px) { #block-07c7ab2c7601410021db .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style 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data-block-type="1337" data-definition-name="website.components.summary" data-sqsp-block="summary" data-website-component-id="400f3a39cada96acc2aa" id="block-400f3a39cada96acc2aa"><div class="sqs-block-content"> <div class=" summary-block-wrapper summary-block-collection-type-blog-basic-grid summary-block-setting-text-size-medium summary-block-setting-text-align-left summary-block-setting-design-list summary-block-setting-design-list-thumbnail-left summary-block-setting-metadata-position-below-content summary-block-setting-primary-metadata-date summary-block-setting-secondary-metadata-none summary-block-setting-show-thumbnail summary-block-setting-show-title summary-block-setting-show-price summary-block-setting-show-excerpt sqs-gallery-design-list " data-design=list data-image-aspect-ratio=1.5 data-slides-per-row=3 data-mixed-content=true data-column-width=270 data-gutter="60" data-list-image-size="30" data-active-alignment="" data-square-thumbs="" data-auto-crop="true" > <div class="summary-item-list-container sqs-gallery-container"> <header class="summary-block-header"> <div class="summary-heading" data-animation-role="content"> <span class="summary-header-text">Featured</span> </div> <div class="summary-carousel-pager sqs-gallery-controls" data-animation-role="content"> <span class="summary-carousel-pager-prev previous" tabindex="0" role="button" aria-label="Previous" ></span> <span class="summary-carousel-pager-next next" tabindex="0" role="button" aria-label="Next" ></span> </div> </header> <div class="summary-item-list sqs-gallery"> <div class=" summary-item positioned summary-item-record-type-text sqs-gallery-design-list-slide summary-item-has-thumbnail summary-item-has-excerpt summary-item-has-author " > <div class="summary-thumbnail-outer-container"> <a href="/blog/your-spouses-retirement-plan-and-yours-were-never-designed-to-work-together" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="Your Spouse's Retirement Plan and Yours Were Never Designed to Work Together" data-description="" aria-label="Your Spouse's Retirement Plan and Yours Were Never Designed to Work Together" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1785782352304-K11G69XGYP0X8XMWETLU/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1785782352304-K11G69XGYP0X8XMWETLU/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="Your Spouse's Retirement Plan and Yours Were Never Designed to Work Together" data-load="false" class="summary-thumbnail-image" elementtiming="summary-thumbnail-image-list" /> </div> </a> <!-- Products: Quick View --> </div> <div class="summary-content sqs-gallery-meta-container" data-animation-role="content"> <div class="summary-metadata-container summary-metadata-container--above-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-08-03">August 3, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/your-spouses-retirement-plan-and-yours-were-never-designed-to-work-together" class="summary-title-link"> Your Spouse's Retirement Plan and Yours Were Never Designed to Work Together </a> </div> <div class="summary-metadata-container summary-metadata-container--below-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-08-03">August 3, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class=" summary-excerpt summary-excerpt-only "><p style="white-space:pre-wrap;" data-rte-preserve-empty="true">Good financial behavior is the floor, not the ceiling. Patience and long-term thinking are why you have money worth organizing, but they do not organize it.</p></div> <a href="/blog/your-spouses-retirement-plan-and-yours-were-never-designed-to-work-together" class="summary-read-more-link">Read more →</a> <div class="summary-metadata-container summary-metadata-container--below-content"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-08-03">August 3, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> <div class=" summary-item positioned summary-item-record-type-text sqs-gallery-design-list-slide summary-item-has-thumbnail summary-item-has-excerpt summary-item-has-author " > <div class="summary-thumbnail-outer-container"> <a href="/blog/the-form-that-overrides-your-will" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="The Form That Overrides Your Will" data-description="" aria-label="The Form That Overrides Your Will" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1785161811359-26I9HX9ZNA1BUOEZLW54/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1785161811359-26I9HX9ZNA1BUOEZLW54/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="The Form That Overrides Your Will" data-load="false" class="summary-thumbnail-image" elementtiming="summary-thumbnail-image-list" /> </div> </a> <!-- Products: Quick View --> </div> <div class="summary-content sqs-gallery-meta-container" data-animation-role="content"> <div class="summary-metadata-container summary-metadata-container--above-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-27">July 27, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/the-form-that-overrides-your-will" class="summary-title-link"> The Form That Overrides Your Will </a> </div> <div class="summary-metadata-container summary-metadata-container--below-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-27">July 27, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class=" summary-excerpt summary-excerpt-only "><p style="white-space:pre-wrap;" data-rte-preserve-empty="true">Your beneficiary designation overrides your will. The form, not the estate plan, determines who actually receives your retirement accounts, your HSA, and your life insurance.</p></div> <a href="/blog/the-form-that-overrides-your-will" class="summary-read-more-link">Read more →</a> <div class="summary-metadata-container summary-metadata-container--below-content"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-27">July 27, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> <div class=" summary-item positioned summary-item-record-type-text sqs-gallery-design-list-slide summary-item-has-thumbnail summary-item-has-excerpt summary-item-has-author " > <div class="summary-thumbnail-outer-container"> <a href="/blog/you-have-a-coordination-problem-not-an-investment-problem" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="You Have a Coordination Problem, Not an Investment Problem" data-description="" aria-label="You Have a Coordination Problem, Not an Investment Problem" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1784570065475-AG5CCVC66T5I92QVVW5F/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1784570065475-AG5CCVC66T5I92QVVW5F/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="You Have a Coordination Problem, Not an Investment Problem" data-load="false" class="summary-thumbnail-image" elementtiming="summary-thumbnail-image-list" /> </div> </a> <!-- Products: Quick View --> </div> <div class="summary-content sqs-gallery-meta-container" data-animation-role="content"> <div class="summary-metadata-container summary-metadata-container--above-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-20">July 20, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/you-have-a-coordination-problem-not-an-investment-problem" class="summary-title-link"> You Have a Coordination Problem, Not an Investment Problem </a> </div> <div class="summary-metadata-container summary-metadata-container--below-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-20">July 20, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class=" summary-excerpt summary-excerpt-only "><p style="white-space:pre-wrap;" data-rte-preserve-empty="true">Most senior professionals are running their financial life on settings configured for a version of themselves that hasn't existed in a decade. The defaults haven't gotten worse. The person living them has changed.</p></div> <a href="/blog/you-have-a-coordination-problem-not-an-investment-problem" class="summary-read-more-link">Read more →</a> <div class="summary-metadata-container summary-metadata-container--below-content"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-20">July 20, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> </div> </div> </div> <style> #block-400f3a39cada96acc2aa { --summary-title-font-size: 20px; --summary-excerpt-font-size: 14px; --summary-text-align: left; --summary-list-image-float: left; --summary-list-thumbnail-padding-left: 0; --summary-list-thumbnail-padding-right: 20px; --summary-list-qv-padding-left: 0; --summary-list-qv-padding-right: 20px; --summary-list-product-mark-left: 0; --summary-list-product-mark-right: auto; --summary-meta-above-display: none; --summary-meta-below-title-display: none; --summary-meta-below-content-display: block; --summary-show-title: block; --summary-show-thumbnail: block; --summary-show-excerpt: block; --summary-show-excerpt-clamped: -webkit-box; --summary-content-spacing: 10px; --summary-show-price: block; --summary-show-read-more-link: none; } </style> <style id="container-styles">#block-400f3a39cada96acc2aa { --stroke-style: none;--stroke-thickness: 6px; } #block-400f3a39cada96acc2aa .summary-block-wrapper { --tweak-summary-block-padding: 6% 6% 6% 6%; --tweak-summary-block-padding: initial; } #block-400f3a39cada96acc2aa { mix-blend-mode: var(--tweak-summary-block-blend); border-radius: var(--tweak-summary-block-radius); } #block-400f3a39cada96acc2aa { --tweak-summary-block-radius: 0px 0px 0px 0px; } #block-400f3a39cada96acc2aa { } </style> </div></div></div><div class="col sqs-col-5 span-5"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-html html-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/31b4e3a9-f074-411d-ae8f-0cd820aa59c6_811/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/31b4e3a9-f074-411d-ae8f-0cd820aa59c6_811/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="0def4d9e5c166949d936" id="block-0def4d9e5c166949d936"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Big Idea to Think About</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Good financial behavior is the floor, not the ceiling. Patience and long-term thinking are why you have money worth organizing, but they do not organize it.</p></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Way You Can Apply This</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Open both retirement plans in the same window and write down how much of each is in stocks. Do not change anything. Just find out whether anyone ever chose the number.</p></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Question to Ask</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Which parts of my financial life have a deadline attached, and which ones have been sitting there for years because nothing ever forced the issue?</p></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true"><strong>Resources Featured in This Episode:</strong></h4><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/podcast/ep231-paul-fenner-can-we-really-do-that?rq=can%20we%20really%20do%20that">Can we Really Do That?</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/blog/when-savers-and-spenders-share-a-life-finding-financial-balance-as-a-couple?rq=When%20Savers%20and%20Spenders%20Share%20a%20Life">When Savers and Spenders Share a Life</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/podcast/ep-192-paul-fenner-aligning-assets-and-liabilities-the-role-of-temporal-diversification?rq=Aligning%20Assets%20and%20Liabilities%3A%20Temporal%20Diversification">Aligning Assets and Liabilities: Temporal Diversification</a> </p></div> <style id="container-styles">#block-0def4d9e5c166949d936 { --stroke-style: none;--stroke-thickness: 6px; } #block-0def4d9e5c166949d936 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-0def4d9e5c166949d936 { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-0def4d9e5c166949d936 { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-0def4d9e5c166949d936 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-0def4d9e5c166949d936 { } } @media screen and (max-width: 767px) { #block-0def4d9e5c166949d936 .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div></div></div></div></div></div></div> <div class="blog-item-author-profile-wrapper" data-content-field="author"> <a href="/podcast?author=6568d8a4109e221f9097c768"> <span class="author-name">Paul Fenner</span> </a> </div> </div> <section class="blog-item-comments"> <div class="blog-item-comments-toggle-wrapper"> <div id="blogItemCommentsContent" class="blog-item-comments-content" data-content-field="comments"> </div> </div> </section> </div> </article> </div> </div> </div> </section> </article> <section id="itemPagination" class="item-pagination item-pagination--prev-next" data-collection-type="blog-side-by-side" > <a href="/podcast/the-one-page-form-most-busy-parents-miss" class="item-pagination-link item-pagination-link--next"> <div class="pagination-title-wrapper"> <div class="visually-hidden">Next</div> <div class="item-pagination-prev-next">Next</div> <h2 class="item-pagination-title">The One-Page Form Most Busy Parents Miss</h2> </div> <div class="item-pagination-icon icon icon--stroke"> <svg class="caret-right-icon--small" viewBox="0 0 9 16"> <polyline fill="none" stroke-miterlimit="10" points="1.6,1.2 6.5,7.9 1.6,14.7"/> </svg> </div> </a> </section> </main> <footer class="sections" id="footer-sections" data-footer-sections> <section data-test="page-section" data-section-theme="dark" class='page-section full-bleed-section layout-engine-section background-width--full-bleed section-height--custom content-width--wide horizontal-alignment--center vertical-alignment--middle dark' data-section-id="654fc246aba94f2bc8f14169" data-controller="SectionWrapperController" data-current-styles="{ "imageOverlayOpacity": 0.15, "backgroundWidth": "background-width--full-bleed", "sectionHeight": "section-height--custom", "customSectionHeight": 10, "horizontalAlignment": "horizontal-alignment--center", "verticalAlignment": "vertical-alignment--middle", "contentWidth": "content-width--wide", "customContentWidth": 50, "sectionTheme": "dark", "sectionAnimation": "none", "backgroundMode": "image" }" data-current-context="{ "video": { "playbackSpeed": 0.5, "filter": 1, "filterStrength": 0, "zoom": 0, "videoSourceProvider": "none" }, "backgroundImageId": null, "backgroundMediaEffect": { "type": "none" }, "divider": { "enabled": false }, "typeName": "blog-side-by-side" }" data-animation="none" data-fluid-engine-section style="min-height: 10vh;" data-sqsp-section="fluid-engine" > <div class="section-border" > <div class="section-background"> </div> </div> <div class='content-wrapper' style=' padding-top: calc(10vmax / 10); 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Two 401(k)s and Nobody Watching Podcast Aug 6 Written By Paul Fenner <div class="video-caption-wrapper"> <div class="video-caption"> <p class="" data-rte-preserve-empty="true" style="white-space:pre-wrap;"></p> </div> </div> </div> <style class="transform-vars"> #block-d9a744d52ed930eabbba { --opacity: 100%; --translate-x: 0px; --translate-y: 0px; --rotation: 0deg; --scale-x: 100%; --scale-y: 100%; --skew-x: 0deg; --skew-y: 0deg; --origin-x: 50%; --origin-y: 50%; --block-transform: none; opacity: var(--opacity, 1); transform: var(--block-transform); transform-origin: var(--origin-x) var(--origin-y); } </style><style class="transform-overrides-vars"> </style> </div></div><div class="sqs-block website-component-block sqs-block-website-component sqs-block-html html-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/31b4e3a9-f074-411d-ae8f-0cd820aa59c6_811/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/31b4e3a9-f074-411d-ae8f-0cd820aa59c6_811/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="07c7ab2c7601410021db" id="block-07c7ab2c7601410021db"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">What if your money problem was never a behavior problem?</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">I keep coming back to the idea that doing well with money is mostly about patience and long-term thinking. I believe that. But what if you're already cleared that bar, and not where you want to be?</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">You saved through every downturn since 2008. You never panic sold. But your financial lives are still not where you want them to be, and it costs real money.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">I walk through what actually goes wrong: two 401(k)s that were never looked at in the same window, a household stock allocation that nobody chose on purpose, equity comp that quietly builds concentration and leaves a tax gap that shows up in April, and beneficiary forms that have not been touched in over a decade.</p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true">None of these is a behavior failure. They are decisions with no deadline attached, which is a different problem entirely. I also talk about the deadline I had to invent for myself, and why it’s still uncomfortable to say it out loud.</p><h3 style="white-space:pre-wrap;" data-rte-preserve-empty="true"><strong>ADDITIONAL RESOURCES YOU MAY LIKE</strong></h3></div> <style id="container-styles">#block-07c7ab2c7601410021db { --stroke-style: none;--stroke-thickness: 6px; } #block-07c7ab2c7601410021db .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-07c7ab2c7601410021db { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-07c7ab2c7601410021db { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-07c7ab2c7601410021db { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-07c7ab2c7601410021db { } } @media screen and (max-width: 767px) { #block-07c7ab2c7601410021db .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div><div class="sqs-block website-component-block sqs-block-website-component sqs-block-summary-v2 summary-block summary-v2-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.summary/920875ff-a388-4f5f-bcd8-303fd2cc1a00_529/website.components.summary.styles.css"]" 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data-block-type="1337" data-definition-name="website.components.summary" data-sqsp-block="summary" data-website-component-id="400f3a39cada96acc2aa" id="block-400f3a39cada96acc2aa"><div class="sqs-block-content"> <div class=" summary-block-wrapper summary-block-collection-type-blog-basic-grid summary-block-setting-text-size-medium summary-block-setting-text-align-left summary-block-setting-design-list summary-block-setting-design-list-thumbnail-left summary-block-setting-metadata-position-below-content summary-block-setting-primary-metadata-date summary-block-setting-secondary-metadata-none summary-block-setting-show-thumbnail summary-block-setting-show-title summary-block-setting-show-price summary-block-setting-show-excerpt sqs-gallery-design-list " data-design=list data-image-aspect-ratio=1.5 data-slides-per-row=3 data-mixed-content=true data-column-width=270 data-gutter="60" data-list-image-size="30" data-active-alignment="" data-square-thumbs="" data-auto-crop="true" > <div 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and Yours Were Never Designed to Work Together" data-description="" aria-label="Your Spouse's Retirement Plan and Yours Were Never Designed to Work Together" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1785782352304-K11G69XGYP0X8XMWETLU/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1785782352304-K11G69XGYP0X8XMWETLU/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="Your Spouse's Retirement Plan and Yours Were Never Designed to Work Together" data-load="false" class="summary-thumbnail-image" elementtiming="summary-thumbnail-image-list" /> </div> </a> <!-- Products: Quick View --> </div> <div class="summary-content sqs-gallery-meta-container" data-animation-role="content"> <div class="summary-metadata-container summary-metadata-container--above-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-08-03">August 3, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/your-spouses-retirement-plan-and-yours-were-never-designed-to-work-together" class="summary-title-link"> Your Spouse's Retirement Plan and Yours Were Never Designed to Work Together </a> </div> <div class="summary-metadata-container summary-metadata-container--below-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-08-03">August 3, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class=" summary-excerpt summary-excerpt-only "><p style="white-space:pre-wrap;" data-rte-preserve-empty="true">Good financial behavior is the floor, not the ceiling. Patience and long-term thinking are why you have money worth organizing, but they do not organize it.</p></div> <a href="/blog/your-spouses-retirement-plan-and-yours-were-never-designed-to-work-together" class="summary-read-more-link">Read more →</a> <div class="summary-metadata-container summary-metadata-container--below-content"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-08-03">August 3, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> <div class=" summary-item positioned summary-item-record-type-text sqs-gallery-design-list-slide summary-item-has-thumbnail summary-item-has-excerpt summary-item-has-author " > <div class="summary-thumbnail-outer-container"> <a href="/blog/the-form-that-overrides-your-will" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="The Form That Overrides Your Will" data-description="" aria-label="The Form That Overrides Your Will" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1785161811359-26I9HX9ZNA1BUOEZLW54/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1785161811359-26I9HX9ZNA1BUOEZLW54/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="The Form That Overrides Your Will" data-load="false" class="summary-thumbnail-image" elementtiming="summary-thumbnail-image-list" /> </div> </a> <!-- Products: Quick View --> </div> <div class="summary-content sqs-gallery-meta-container" data-animation-role="content"> <div class="summary-metadata-container summary-metadata-container--above-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-27">July 27, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/the-form-that-overrides-your-will" class="summary-title-link"> The Form That Overrides Your Will </a> </div> <div class="summary-metadata-container summary-metadata-container--below-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-27">July 27, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class=" summary-excerpt summary-excerpt-only "><p style="white-space:pre-wrap;" data-rte-preserve-empty="true">Your beneficiary designation overrides your will. The form, not the estate plan, determines who actually receives your retirement accounts, your HSA, and your life insurance.</p></div> <a href="/blog/the-form-that-overrides-your-will" class="summary-read-more-link">Read more →</a> <div class="summary-metadata-container summary-metadata-container--below-content"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-27">July 27, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> <div class=" summary-item positioned summary-item-record-type-text sqs-gallery-design-list-slide summary-item-has-thumbnail summary-item-has-excerpt summary-item-has-author " > <div class="summary-thumbnail-outer-container"> <a href="/blog/you-have-a-coordination-problem-not-an-investment-problem" class=" summary-thumbnail-container sqs-gallery-image-container " data-title="You Have a Coordination Problem, Not an Investment Problem" data-description="" aria-label="You Have a Coordination Problem, Not an Investment Problem" > <div class="summary-thumbnail img-wrapper" data-animation-role="image"> <!-- Main Image --> <img data-src="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1784570065475-AG5CCVC66T5I92QVVW5F/Article+Photo.png" data-image="https://images.squarespace-cdn.com/content/v1/654fc246aba94f2bc8f1413e/1784570065475-AG5CCVC66T5I92QVVW5F/Article+Photo.png" data-image-dimensions="1408x768" data-image-focal-point="0.5,0.5" alt="You Have a Coordination Problem, Not an Investment Problem" data-load="false" class="summary-thumbnail-image" elementtiming="summary-thumbnail-image-list" /> </div> </a> <!-- Products: Quick View --> </div> <div class="summary-content sqs-gallery-meta-container" data-animation-role="content"> <div class="summary-metadata-container summary-metadata-container--above-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-20">July 20, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class="summary-title"> <a href="/blog/you-have-a-coordination-problem-not-an-investment-problem" class="summary-title-link"> You Have a Coordination Problem, Not an Investment Problem </a> </div> <div class="summary-metadata-container summary-metadata-container--below-title"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-20">July 20, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> <div class=" summary-excerpt summary-excerpt-only "><p style="white-space:pre-wrap;" data-rte-preserve-empty="true">Most senior professionals are running their financial life on settings configured for a version of themselves that hasn't existed in a decade. The defaults haven't gotten worse. The person living them has changed.</p></div> <a href="/blog/you-have-a-coordination-problem-not-an-investment-problem" class="summary-read-more-link">Read more →</a> <div class="summary-metadata-container summary-metadata-container--below-content"> <div class="summary-metadata summary-metadata--primary"> <!-- Timestamp --> <time class="summary-metadata-item summary-metadata-item--date" datetime="2026-07-20">July 20, 2026</time> </div> <div class="summary-metadata summary-metadata--secondary"> </div> </div> </div> </div> </div> </div> </div> <style> #block-400f3a39cada96acc2aa { --summary-title-font-size: 20px; --summary-excerpt-font-size: 14px; --summary-text-align: left; --summary-list-image-float: left; --summary-list-thumbnail-padding-left: 0; --summary-list-thumbnail-padding-right: 20px; --summary-list-qv-padding-left: 0; --summary-list-qv-padding-right: 20px; --summary-list-product-mark-left: 0; --summary-list-product-mark-right: auto; --summary-meta-above-display: none; --summary-meta-below-title-display: none; --summary-meta-below-content-display: block; --summary-show-title: block; --summary-show-thumbnail: block; --summary-show-excerpt: block; --summary-show-excerpt-clamped: -webkit-box; --summary-content-spacing: 10px; --summary-show-price: block; --summary-show-read-more-link: none; } </style> <style id="container-styles">#block-400f3a39cada96acc2aa { --stroke-style: none;--stroke-thickness: 6px; } #block-400f3a39cada96acc2aa .summary-block-wrapper { --tweak-summary-block-padding: 6% 6% 6% 6%; --tweak-summary-block-padding: initial; } #block-400f3a39cada96acc2aa { mix-blend-mode: var(--tweak-summary-block-blend); border-radius: var(--tweak-summary-block-radius); } #block-400f3a39cada96acc2aa { --tweak-summary-block-radius: 0px 0px 0px 0px; } #block-400f3a39cada96acc2aa { } </style> </div></div></div><div class="col sqs-col-5 span-5"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-html html-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/31b4e3a9-f074-411d-ae8f-0cd820aa59c6_811/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/31b4e3a9-f074-411d-ae8f-0cd820aa59c6_811/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="0def4d9e5c166949d936" id="block-0def4d9e5c166949d936"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Big Idea to Think About</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Good financial behavior is the floor, not the ceiling. Patience and long-term thinking are why you have money worth organizing, but they do not organize it.</p></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Way You Can Apply This</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Open both retirement plans in the same window and write down how much of each is in stocks. Do not change anything. Just find out whether anyone ever chose the number.</p></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true">1 Question to Ask</h4><ul data-rte-list="default"><li><p class="" style="white-space:pre-wrap;" data-rte-preserve-empty="true">Which parts of my financial life have a deadline attached, and which ones have been sitting there for years because nothing ever forced the issue?</p></li></ul><h4 style="white-space:pre-wrap;" data-rte-preserve-empty="true"><strong>Resources Featured in This Episode:</strong></h4><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/podcast/ep231-paul-fenner-can-we-really-do-that?rq=can%20we%20really%20do%20that">Can we Really Do That?</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/blog/when-savers-and-spenders-share-a-life-finding-financial-balance-as-a-couple?rq=When%20Savers%20and%20Spenders%20Share%20a%20Life">When Savers and Spenders Share a Life</a></p><p class="MsoNormal" style="white-space:pre-wrap;" data-rte-preserve-empty="true"><a href="https://www.tammacapital.com/podcast/ep-192-paul-fenner-aligning-assets-and-liabilities-the-role-of-temporal-diversification?rq=Aligning%20Assets%20and%20Liabilities%3A%20Temporal%20Diversification">Aligning Assets and Liabilities: Temporal Diversification</a> </p></div> <style id="container-styles">#block-0def4d9e5c166949d936 { --stroke-style: none;--stroke-thickness: 6px; } #block-0def4d9e5c166949d936 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } #block-0def4d9e5c166949d936 { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } #block-0def4d9e5c166949d936 { --tweak-text-block-radius: 0px 0px 0px 0px; } #block-0def4d9e5c166949d936 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-0def4d9e5c166949d936 { } } @media screen and (max-width: 767px) { #block-0def4d9e5c166949d936 .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div></div></div></div></div></div></div> <div class="blog-item-author-profile-wrapper" data-content-field="author"> <a href="/podcast?author=6568d8a4109e221f9097c768"> <span class="author-name">Paul Fenner</span> </a> </div> </div> <section class="blog-item-comments"> <div class="blog-item-comments-toggle-wrapper"> <div id="blogItemCommentsContent" class="blog-item-comments-content" data-content-field="comments"> </div> </div> </section> </div> </article> </div> </div> </div> </section> </article> <section id="itemPagination" class="item-pagination item-pagination--prev-next" data-collection-type="blog-side-by-side" > <a href="/podcast/the-one-page-form-most-busy-parents-miss" class="item-pagination-link item-pagination-link--next"> <div class="pagination-title-wrapper"> <div class="visually-hidden">Next</div> <div class="item-pagination-prev-next">Next</div> <h2 class="item-pagination-title">The One-Page Form Most Busy Parents Miss</h2> </div> <div class="item-pagination-icon icon icon--stroke"> <svg class="caret-right-icon--small" viewBox="0 0 9 16"> <polyline fill="none" stroke-miterlimit="10" points="1.6,1.2 6.5,7.9 1.6,14.7"/> </svg> </div> </a> </section> </main> <footer class="sections" id="footer-sections" data-footer-sections> <section data-test="page-section" data-section-theme="dark" class='page-section full-bleed-section layout-engine-section background-width--full-bleed section-height--custom content-width--wide horizontal-alignment--center vertical-alignment--middle dark' data-section-id="654fc246aba94f2bc8f14169" data-controller="SectionWrapperController" data-current-styles="{ "imageOverlayOpacity": 0.15, "backgroundWidth": "background-width--full-bleed", "sectionHeight": "section-height--custom", "customSectionHeight": 10, "horizontalAlignment": "horizontal-alignment--center", "verticalAlignment": "vertical-alignment--middle", "contentWidth": "content-width--wide", "customContentWidth": 50, "sectionTheme": "dark", "sectionAnimation": "none", "backgroundMode": "image" }" data-current-context="{ "video": { "playbackSpeed": 0.5, "filter": 1, "filterStrength": 0, "zoom": 0, "videoSourceProvider": "none" }, "backgroundImageId": null, "backgroundMediaEffect": { "type": "none" }, "divider": { "enabled": false }, "typeName": "blog-side-by-side" }" data-animation="none" data-fluid-engine-section style="min-height: 10vh;" data-sqsp-section="fluid-engine" > <div class="section-border" > <div class="section-background"> </div> </div> <div class='content-wrapper' style=' padding-top: calc(10vmax / 10); 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border-radius: var(--si-border-radius, 0); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--wrapper > div { transform: scale(var(--si-scale, 1)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-use--icon { fill: var(--si-fill-icon, transparent); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-use--mask { fill: var(--si-fill-mask, transparent); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper { background-color: var(--si-bg-fade, var(--si-bg, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper .sqs-use--icon { fill: var(--si-fill-icon-fade, var(--si-fill-icon, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper .sqs-use--mask { fill: var(--si-fill-mask-fade, var(--si-fill-mask, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper:hover { background-color: var(--si-bg-hover, var(--si-bg, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper:hover .sqs-use--icon { fill: var(--si-fill-icon-hover, var(--si-fill-icon, transparent)); } #block-yui_3_17_2_1_1699814140419_180848 .sqs-svg-icon--list:hover .sqs-svg-icon--wrapper:hover .sqs-use--mask { fill: var(--si-fill-mask-hover, var(--si-fill-mask, transparent)); } </style> <nav class="sqs-svg-icon--list"> <a href="http://www.linkedin.com/in/paulfennercfp" target="_blank" class="sqs-svg-icon--wrapper linkedin-unauth" aria-label="LinkedIn" > <div> <svg class="sqs-svg-icon--social" viewBox="0 0 64 64"> <use class="sqs-use--icon" xlink:href="/universal/svg/social-accounts.svg#linkedin-unauth-icon"></use> <use class="sqs-use--mask" xlink:href="/universal/svg/social-accounts.svg#linkedin-unauth-mask"></use> </svg> </div> </a> <a href="https://www.youtube.com/channel/UCqSJ5dv4xnw0y8OG2rr-wBQ/videos" target="_blank" class="sqs-svg-icon--wrapper youtube-unauth" aria-label="YouTube" > <div> <svg class="sqs-svg-icon--social" viewBox="0 0 64 64"> <use class="sqs-use--icon" xlink:href="/universal/svg/social-accounts.svg#youtube-unauth-icon"></use> <use class="sqs-use--mask" xlink:href="/universal/svg/social-accounts.svg#youtube-unauth-mask"></use> </svg> </div> </a> </nav> </div> <style id="container-styles">#block-yui_3_17_2_1_1699814140419_180848 { } #block-yui_3_17_2_1_1699814140419_180848 .sqs-block-socialaccountlinks-content { --tweak-social-links-block-padding: initial; } .fe-block-yui_3_17_2_1_1699814140419_180848 { mix-blend-mode: var(--tweak-social-links-block-blend); border-radius: var(--tweak-social-links-block-radius); } .fe-block-yui_3_17_2_1_1699814140419_180848 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-yui_3_17_2_1_1699814140419_180848 { } } @media screen and (max-width: 767px) { #block-yui_3_17_2_1_1699814140419_180848 .sqs-block-socialaccountlinks-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div></div><div class="fe-block fe-block-d8005d71a4ad7fd2b9f1"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-html html-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/31b4e3a9-f074-411d-ae8f-0cd820aa59c6_811/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/31b4e3a9-f074-411d-ae8f-0cd820aa59c6_811/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="d8005d71a4ad7fd2b9f1" id="block-d8005d71a4ad7fd2b9f1"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><p class="sqsrte-small" style="white-space:pre-wrap;">Contact</p><p class="sqsrte-small" style="white-space:pre-wrap;">Email: <a href="mailto:pfenner@tammacapital.com">pfenner@tammacapital.com</a></p><p class="sqsrte-small" style="white-space:pre-wrap;">Phone: (248) 290-9890</p><p class="sqsrte-small" style="white-space:pre-wrap;">Address: 6054 Strawberry Cir, Commerce Charter Twp, MI 48382</p><p class="sqsrte-small" style="white-space:pre-wrap;">© 2023 TAMMA Capital, LLC. | Personalized Investing for Your Future</p></div> <style id="container-styles">#block-d8005d71a4ad7fd2b9f1 { } #block-d8005d71a4ad7fd2b9f1 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } .fe-block-d8005d71a4ad7fd2b9f1 { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } .fe-block-d8005d71a4ad7fd2b9f1 { --tweak-text-block-radius: 0px 0px 0px 0px; } .fe-block-d8005d71a4ad7fd2b9f1 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-d8005d71a4ad7fd2b9f1 { } } @media screen and (max-width: 767px) { #block-d8005d71a4ad7fd2b9f1 .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div></div><div class="fe-block fe-block-dc7d0abe6d72615dafa0"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-html html-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/31b4e3a9-f074-411d-ae8f-0cd820aa59c6_811/website.components.html.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.html/31b4e3a9-f074-411d-ae8f-0cd820aa59c6_811/website.components.html.visitor.js"]" data-block-type="1337" data-definition-name="website.components.html" data-sqsp-block="text" data-website-component-id="dc7d0abe6d72615dafa0" id="block-dc7d0abe6d72615dafa0"><div class="sqs-block-content"><div class="sqs-text-block-container"> <div class="sqs-html-content" data-sqsp-text-block-content><p class="sqsrte-small" data-rte-preserve-empty="true" style="white-space:pre-wrap;"></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small" data-rte-preserve-empty="true"></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small"><a href="/s/TAMMA-Form-ADV-Part-2A_11-01-2017.pdf" target="_blank">ADV</a></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small"><a href="/privacy-policy" target="_blank">Privacy Policy</a></p><p style="text-align:right;white-space:pre-wrap;" class="sqsrte-small"><a href="/terms-of-service">Terms of Service</a></p></div> <style id="container-styles">#block-dc7d0abe6d72615dafa0 { } #block-dc7d0abe6d72615dafa0 .sqs-html-content { --tweak-text-block-padding: 6% 6% 6% 6%; --tweak-text-block-padding: initial; } .fe-block-dc7d0abe6d72615dafa0 { mix-blend-mode: var(--tweak-text-block-blend ); border-radius: var(--tweak-text-block-radius); } .fe-block-dc7d0abe6d72615dafa0 { --tweak-text-block-radius: 0px 0px 0px 0px; } .fe-block-dc7d0abe6d72615dafa0 { } </style> <style id="override-container-styles"> @media screen and (max-width: 767px) { #block-dc7d0abe6d72615dafa0 { } } @media screen and (max-width: 767px) { #block-dc7d0abe6d72615dafa0 .sqs-html-content { } } @media screen and (max-width: 767px) { }</style> <style class="transform-overrides-vars"> </style> </div> </div></div></div><div class="fe-block fe-block-yui_3_17_2_1_1702567670106_19381"><div class="sqs-block website-component-block sqs-block-website-component sqs-block-search" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.search/a27abed5-f3a1-419d-bd9b-39fe173d0e28_520/website.components.search.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.search/a27abed5-f3a1-419d-bd9b-39fe173d0e28_520/website.components.search.visitor.js"]" data-block-type="1337" data-definition-name="website.components.search" data-sqsp-block="search" data-website-component-id="yui_3_17_2_1_1702567670106_19381" id="block-yui_3_17_2_1_1702567670106_19381"><div class="sqs-block-content"> <div class="sqs-search-wrapper" component-data-strings="{"inputLabel":"Search","noCollectionSelected":"You must select a collection to search on","noResults":"No results found"}" > <div class="sqs-search-ui-text-input sqs-search-ui-button-wrapper color-light" data-source="block" data-preview="true" data-collection="" data-collectionfilter="false" > <div class="spinner-wrapper hide"> <div class="sqs-spin dark default"> <div class="sqs-spin-content"></div> </div> </div> <input type="search" class="search-input" value="" placeholder="Search" aria-label="Search" /> </div> <style id="sqs-search-preview-styles"> .sqs-search-preview-ui { position: absolute; z-index: 999999; background-color: #fff; width: 100%; } .sqs-search-preview-ui.hide { display: none; } .sqs-search-preview-ui .sqs-search-ui-result { border-top: none; border: 1px solid #ddd; } .sqs-search-preview-ui .search-result-notice { background-color: #fff; font-weight: 200; font-size: 12px; padding: 6px 12px; color: #333; } .sqs-search-preview-ui .search-result-notice.hide { display: none; } .sqs-search-preview-ui .sqs-search-ui-list { max-height: 500px; overflow-x: hidden; overflow-y: scroll; } .sqs-search-preview-ui .search-result { padding: 16px; cursor: pointer; border-bottom: 1px solid #ddd; transition: background-color .2s ease-out; } .sqs-search-preview-ui .search-result:last-child { border-bottom: none; } .sqs-search-preview-ui .search-result.selected, .sqs-search-preview-ui .search-result:hover { background-color: #f5f5f5; } .sqs-search-preview-ui .search-result.selected { outline-color: #333; } .sqs-search-preview-ui .sqs-search-ui-item { border-top: none; } .sqs-search-preview-ui .sqs-search-ui-item em { color: #222; 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