The Shadow is simple, reliable, and improved over the years to the point where it is nearly impossible to break.

Lifecycle models are growing in popularity in financial planning. However, they can overlook the risks posed by income shocks, such as career disruptions, economic downturns, or technological ...

The W-Curve Model was first proposed in 1963 to explain adjustment to culture shock. Starting college is a culture shock for many young people. It is often the first time students are away from home ...