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The Inner Circle

Financial planning insights for real life.

Notes on money, transitions, retirement, taxes, estate planning, and the emotional side of wealth.

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Retirement Planning, Money Psychology, Through Kimberly's Lens Kimberly A. Houston, CFP®, CRPC® Retirement Planning, Money Psychology, Through Kimberly's Lens Kimberly A. Houston, CFP®, CRPC®

The Emotional Stages of Retirement: What to Expect Financially and Personally

Retirement is often framed as a financial finish line. For many high earners, it’s far more complex. Learn the emotional stages of retirement, the identity shifts many people don’t expect, and how to prepare both financially and personally.

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Financial Planning, Money Psychology, Divorce Financial Planning Kimberly A. Houston, CFP®, CRPC® Financial Planning, Money Psychology, Divorce Financial Planning Kimberly A. Houston, CFP®, CRPC®

How to Talk About a Prenup With Your Partner

You've built something. A career, a portfolio, maybe a business. Now you're thinking about marriage — and quietly wondering how to protect what you've worked for without making it weird. Here's how to have that conversation in a way that actually brings you closer.

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Money Psychology, Investment Management Kimberly A. Houston, CFP®, CRPC® Money Psychology, Investment Management Kimberly A. Houston, CFP®, CRPC®

When Ego Enters the Portfolio: What Behavioral Finance Reveals About Confidence and Bias in Investing

Behavioral finance research shows that confidence and bias can shape investment decisions in powerful ways. This article explores how ego, overconfidence, and psychological dynamics influence financial leadership and what investors can look for when evaluating financial advisors.

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