Financial Planning & Investing for Business Owners, Contractors, & Individuals.

Welcome! I'm Cale Flage, a Certified Financial Planner™ professional with Lowry Financial Advisors. With experience as a General Contractor & business owner, I am uniquely experienced to help you grow.

Recent Posts

Should I diversify my ESOP?

If you work for a company that offers an ESOP (Employee Stock Ownership Plan) you may be asked if you want to diversify a portion of your company stock. You ...
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Something Almost Nobody Saw Coming

"Bonds are a slowly sinking ship," a very successful financial professional said to me in the beginning of October 2018. Let’s see how bonds have done since then, as represented ...
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Does Low (Minimum) Volatility Investing Have the Potential to Persist?

Article Summary: Paradoxically, low-risk stocks historically have outperformed higher-risk stocks over the long run.They outperformed due to the behavioral biases of investors.Dr. Daniel Crosby, behavioral finance expert, has devised a ...
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Will Your Personal Finances Survive the Next Building Recession?

Published in the Florida Home Builders Association Magazine - Spring 2019 Issue It has been 10 years from what many in the building industry consider to be the lowest point ...
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A Potential Effect of Risky Funds on a Portfolio

Vanguard had a fund that invested in precious metals and mining stocks that had performed so poorly in the past 10 years, that Vanguard decided to rename the fund and ...
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Investing is Hard. Here is the Proof.

If I told you the annualized return over 20 years of the S&P 500 (an index of 500 large U.S. stocks) was 7.2%, what return would you guess the average ...
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