Patrick Ritter, Certified Financial Planner

“Here is the bit nobody puts in the brochure. The window for the active retirement, the one where you can comfortably walk fifteen miles in Tuscany or fly to New Zealand without your knees seizing or dance at your nephew’s wedding until two in the morning, that window is about twelve to fifteen years. Not thirty. Twelve to fifteen. And it closes gradually, without you noticing, until one day you realise you can’t really do the Tuscany trip anymore, and you never did it when you could. The money was there the whole time, you just couldn’t authorise it. Authorise it now. The travel agent does not need a doctor’s note.” Dan Haylett’s Humans vs. Retirement Substack

The Right Capital Snapshot gives my clients a clear, one-page view of their plan—goals, investments, cash flow, assigned tasks, and much more.

Anchoring it all is their Core Values at the top: Family for this client. They have already padded their emergency savings and after paying off the credit card, they're planning a great trip for their newly graduated kids this summer, staying consistent with their #1 Core Value.

Want to do the same? Let's get started.
https://calendly.com/patrick-ritter-corepln/30min?month=2026-04

I love seeing our very own core planning at #2 on the Altruist list of fastest growing firms. To learn more about what Altruist offers clients, check out the link below.

https://altruist.com/get-started-clients/

Prediction markets might feel exciting—but the odds are clearly against most of us. You can take another chance or instead make a change with a personalized financial plan + investment strategy.

70% of Polymarket Traders Lost Money as Top 0.04% Captured Most Profits: Data Among over 1.7 million trading addresses on Polymarket, approximately 70% have realized losses while just 30% turned a profit, according to data from blockchain analyst DeFi Oasis.The findings reveal stark concentration at the top, with fewer than 0.04% of addresses capturing over 70% of total reali...