A Big Announcement, A Big Change...


Good morning! I hope you're doing well.

I had just about finished writing this email (on Thursday, 9/10) when I realized you'll be receiving it tomorrow - 9/11.

And it hit me -- it's been 25 years since 9/11 2001. Crazy. I remember being in Mr. Leone's 6th grade Social Studies class. He turned on the TV, and we watched history unfold. I bet you have some vivid memories too.

Today's email includes:

A little different this week, a little shorter. I have an exciting announcement to share with you.

And then I'll share three great articles I read this week.


The Exciting Change...

I’m excited to share that I’ve joined one of the fastest-growing, most forward-thinking independent financial planning firms in Upstate NY. Not just as an advisor, but as a partner, as an owner.

I’ve joined Rialto Wealth.

I’m incredibly excited about the change. Rialto’s philosophy aligns perfectly with what I share with you every week.

A focus on detailed, long-term retirement planning.

Keeping investing simple and low-cost.

Fiduciary and fee-only.

Not only serving our clients, but educating them.


The Top 3...

I enjoyed this content recently. I hope you do too.

​Time, Fractals, Markets​

A wonderfully nerdy metaphor from Joseph Moore that connects market behavior to space-time and fractal patterns.

Plus a sprinkling of historical context.

Great article!

​The Investment Idea That Changed the World​

In August 1976 - 50 years ago - Vanguard launched its first S&P 500 index fund.

“Investors as a group cannot outperform the market, because they are the market.” - Bogle

​Worried About Bonds?​

Bonds are in the news, mostly for the wrong reasons.

If the global bond market has you a little spooked, this article from Morningstar's Christine Benz will help you out.


I Help People Retire (Even) Better

I'm a Partner at a fee-only fiduciary retirement planning firm.

We work with clients all over the USA.

If you know someone who needs help, visit PlanWithJesse.com and let's start a conversation.


Until Next Week...

Thank you for reading, listening, and writing back. People like you send me questions every day.

I'd love to hear from you. ​​

All the best,

Jesse Cramer

Jesse Cramer

Retirement is a different game. You’ve spent decades building wealth. Now comes the harder part - turning it into a paycheck that lasts. I’m Jesse Cramer. I help DIY investors turn their savings into a clear, cohesive retirement plan. Join 4000+ weekly readers and 20,000+ podcast listeners.

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