We’re giving more to charity than ever before.1 One reason is that giving feels good. It gives us a warm glow that can inspire us to keep giving.2
That’s probably why charitable contributions have increased by 5% over the past few years1—and experts expect this trend to continue.3
That’s promising, but it could be even better.
That’s because about 2 out of 3 people say they want to give more, but they aren’t. Why?
Because they don’t have a giving strategy—and they don’t know what the impact of their giving will be.4
In this month’s Visual Insights Newsletter, we explore the concept of strategic giving and its essential role in maximizing the impact of philanthropy.
With the right charitable giving strategies, you can feel more fulfilled and make a greater impact on the world.5
Go ahead and click here to discover more about strategic philanthropy.
P.S. Donors cite philanthropy as the number one way to make an impact on the world.6 Make sure your charitable gifts are making the greatest impact by checking out this month’s Visual Insights Newsletter.
Risk Disclosures: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. The S&P 500 is an unmanaged composite index considered to be representative of the U.S. stock market in general. All index returns exclude reinvested dividends and interest. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. For illustrative purposes only.
No matter what they are, they’re guiding your financial choices. And they’ve already shaped your financial habits.
This month, we’re exploring the importance of your money mindset and sharing some exercises to help you understand more about it.
The more you know about your money mindset, the more you’ll know about yourself — and how your mindset affects your financial decisions and your overall financial health.
Go ahead and click here to learn more about your money mindset.
Risk Disclosures: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. The S&P 500 is an unmanaged composite index considered to be representative of the U.S. stock market in general. All index returns exclude reinvested dividends and interest. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. For illustrative purposes only.
Did you know that humans are twice as concerned about avoiding losses as they are about achieving investing gains?
That means investment losses hurt a lot.
You’ve probably heard that the worst thing you can do during a downturn is sell, but did you know the psychology behind that impulse? It’s called loss aversion.
It’s one of the reasons why people can sabotage their investments by selling when they get scared, missing the recovery, and then buying back in once they feel “safe” again.
Understanding and leveraging human psychology is one of my most important jobs as an adviser.
My approach uses the Risk Number®, based on Nobel Prize-winning research. Together we can quantify how much risk you want, how much risk you currently have, how much risk you need to reach your goals, and how much risk you should take on.
Your Risk Number® is like a speed limit. Some people are comfortable driving fast while others want to go slower.
I’d like to help you determine your comfort zone and use it to manage your investments so you can rest assured that your investment strategy truly reflects your Risk Number®.
Discover Your Risk Number® and find out if your current investment strategy truly reflects your risk tolerance (and for many people, it doesn’t).
Risk Disclosures: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. The S&P 500 is an unmanaged composite index considered to be representative of the U.S. stock market in general. All index returns exclude reinvested dividends and interest. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. For illustrative purposes only.
Women face a very different relationship to finances, money, and investing than men do, because they are simply wired differently.
Women tend to view money not just as a means to an end but as a tool to improve lives, build communities, and create the life they want to live.
Unfortunately, most women (whether single or partnered, divorced or widowed, retired or still working) face internal “money blocks” that make them feel overwhelmed, unsure, and unheard.
I know that these internal “money blocks,” or scripts we tell ourselves, are far more than internal programming.
They are formed as a result of bad experiences with financial professionals, societal pressures, and even family situations.
Many women even report feeling judged or not listened to by their financial professionals (which is downright unfair and disrespectful).
I’m emailing you today to help you overcome the 5 biggest “money blocks” that many women face, so you can finally experience confidence, clarity, and power in your financial life.
The good news is, these “money blocks” are easier to overcome than you’d think.
All you need to do is uncover the source and replace the “money block” with a new, positive framework to rewire your internal script.
You’ll find step-by-step instructions to do that inside this FREE Guide: Unlock Your “Money Blocks”: How Women Can Break Through These 5 Barriers to Experience Financial Empowerment.
In this easy, 5-minute read you’ll:
Discover why women’s relationships to money are fundamentally different from men’s
Learn how to overcome these 5 internal conflicts and finally feel empowered and in control
Get clarity and confidence in your financial journey
Will today be the day that marks your lifelong transformation with money so you can feel empowered and in control?
I truly hope so.
Take a few minutes and read this guide now.
Then, hit “reply” and let me know which of these 5 barriers ring true with you.
Read Now: Unlock Your “Money Blocks”: How Women Can Break Through These 5 Barriers to Experience Financial Empowerment.
In this issue of the Visual Insights Newsletter, we’re sharing some great conversation starters for talking about money with young people.
Many parents and grandparents find these important conversations hard to start. One survey found that at least 36% of parents struggle to talk about money with kids, and more than 76% admit to only discussing money with their children less than once a month. Yet… 97% agree that teaching kids good financial habits is important. Why the disconnect between knowing and doing? Difficulty knowing how to start the conversation… Fear that they won’t listen…
What’s stopping you? (I’ve got some great conversation starters for you right in this issue of the Visual Insights Newsletter)
Do you worry that your past financial mistakes compromise your authority around money? Not even close. The mistakes you’ve made and the lessons they taught you are powerful. One, because they’ve given you hard-earned wisdom to share. Two, because these mistakes are relatable. If you don’t know how to start these critical financial conversations, start with: The financial mistake I’ve learned the most from was… The thing I regret buying the most was… My proudest financial accomplishment was… When money was tight, I made it work by… I am grateful for… A person whose money wisdom I greatly respect is… I’ve learned the most about money by… The best way I know to build good financial habits is by… To me, money represents… When I’m deciding whether to buy something or save the money, I… My most treasured possession is… Go ahead and click here to check out other great conversations starters that can jump-start the money talk with kids. Are you thinking about more ways to teach the young people in your life good financial habits? Hit reply to ask me a question.
About Richard
Richard Archer is a financial advisor and the President of Archer Investment Management with more than twenty years of industry experience. He specializes in providing comprehensive financial planning and investment guidance and personalized care and attention to professionals with complex compensation and families pursuing financial freedom. Along with holding a Wharton Bachelor of Science in Economics and a Texas MBA, he is a CERTIFIED FINANCIAL PLANNER™ and a Chartered Financial Analyst®. He combines his advanced industry education and knowledge with his genuine care for people to provide clients with an exceptional experience. To learn more about Richard, connect with him on LinkedIn, Facebook, Twitter or visit www.archerim.com.
The discussion around marijuana has undergone great social, legal, and economic changes in the last few years: From Reefer Madness to hot new investing fad.
Think marijuana is missing from your portfolio? Read this first…
About Richard
Richard Archer is a financial advisor and the President of Archer Investment Management with more than twenty years of industry experience. He specializes in providing comprehensive financial planning and investment guidance and personalized care and attention to professionals with complex compensation and families pursuing financial freedom. Along with holding a Wharton Bachelor of Science in Economics and a Texas MBA, he is a CERTIFIED FINANCIAL PLANNER™ and a Chartered Financial Analyst®. He combines his advanced industry education and knowledge with his genuine care for people to provide clients with an exceptional experience. To learn more about Richard, connect with him on LinkedIn, Facebook, Twitter or visit www.archerim.com.
There’s a burglary in your neighborhood (not your house fortunately), but you have a 2-week trip planned and no one will be home.
What do you do to protect your home while you’re away?
Do you take precautionary measures?
Talk to neighbors and ask them to keep an eye on your house?
Maybe activate an alarm system or install cameras?
If you’re like most people, you’d spend at least a few minutes proactively planning so your home doesn’t get broken into or burglarized, right?
Just for a moment, I want you to think about why you’d take these steps.
Ultimately, whatever happens while you’re gone is completely out of your control, right?
I’m guessing you’d argue back, “Yes, it is out of my control, but I CAN control a few things, and I’m willing to do everything I can to protect my home!”
Your mindset is 100% logical.
For sacred possessions and relationships in our life, we do everything we can to control the uncontrollable.
So let me ask you this…
Are you taking the same approach that may help protect your investments from a volatile market?
Volatility is here — like the burglar lurking through the night in your neighborhood plotting his next break-in.
You don’t know when the burglar will strike, or which home he’ll hit.
Chances are he’s going to go after the most vulnerable house with minimal lighting and no alarm system.
Just like volatility or downturns could metaphorically “rob” certain investment portfolios of value because they are more vulnerable than others (that’s why it’s so important to proactively prepare by assessing your current situation).
Unlike a home whose valuables are insured and mostly replaceable (except those heirlooms and sentimental pieces), your investment portfolio isn’t insured against market loss.
That’s why it’s so important to take these crucial and proactive steps that may help protect your investments.
In the wake of recent market volatility predictions, I prepared this 4-minute read and flowchart that I think you’ll find incredibly valuable.
My team’s most recent publication, Investments Facing Volatile Markets: A Simple Flowchart to Determine What (if Anything) You Should Do, will guide you through an extremely simple 3-step process to discover:
How to assess your current investment situation whether you’re 10 years away, 5 years away, or already in retirement
The 3 or 4 critical questions you need to ask yourself that will determine what you should do next (if anything)
Your level of confidence with your current investment strategy and what you can do about it
You’ll leave with a crystal-clear picture of what you should do next (if anything) that may help preserve and protect your investment health — just like how you’d protect your house while you’re away.
My goal in sharing this free article with you is to help you feel confident that you’ve done everything you can to control the uncontrollable.
You have retirement income you’ll be depending on in the next 10 years, 5 years, or maybe even right now.
Please take the time to examine this flowchart — it will empower your work-free life!
If you have any questions, I’m here to help.
>>>Download Now (free): Investments Facing Volatile Markets: A Simple Flowchart to Determine What (if Anything) You Should Do
About Richard
Richard Archer is a financial advisor and the President of Archer Investment Management with more than twenty years of industry experience. He specializes in providing comprehensive financial planning and investment guidance and personalized care and attention to professionals with complex compensation and families pursuing financial freedom. Along with holding a Wharton Bachelor of Science in Economics and a Texas MBA, he is a CERTIFIED FINANCIAL PLANNER™ and a Chartered Financial Analyst®. He combines his advanced industry education and knowledge with his genuine care for people to provide clients with an exceptional experience. To learn more about Richard, connect with him on LinkedIn, Facebook, Twitter or visit www.archerim.com.
Richard Archer is a financial advisor and the President of Archer Investment Management with more than twenty years of industry experience. He specializes in providing comprehensive financial planning and investment guidance and personalized care and attention to professionals with complex compensation and families pursuing financial freedom. Along with holding a Wharton Bachelor of Science in Economics and a Texas MBA, he is a CERTIFIED FINANCIAL PLANNER™ and a Chartered Financial Analyst®. He combines his advanced industry education and knowledge with his genuine care for people to provide clients with an exceptional experience. To learn more about Richard, connect with him on LinkedIn, Facebook, Twitter or visit www.archerim.com.
It’s hard to deny it: Austin is an awesome place to call Home, Sweet Home. 🏠 But if you’re contemplating whether to buy or rent in Austin, is it the smartest move to buy a House, Sweet House?
Maybe you’ve just come from selling a house in Cali. It only makes sense to use that money to buy a new house in Austin, right? After all, costs seem low in comparison. The Austin housing market is booming, and real estate here is looking mighty nice right now.
I’m here to advise you to slow your roll. For many people—tech professionals in particular—renting in Austin may be the way to go.
Buy or rent in Austin? Why? Most of the reasons on this list relate to one simple equation:
More Cash = More Freedom
We’ll dig into that in more detail. First, let’s look at some pitfalls to homeownership that sometimes get neglected…
Surprise! House Costs Will Surprise You
Buying a house saddles you with much more than a monthly mortgage. There’s property taxes and insurance premiums, and either could go up at any time. There’s furnishing, maintenance and upkeep.And then… there’s the unpredictable.
No matter how ready you think you are, when you face something like tree roots bursting into your sewer line… That literally stinks. And it’s a drain—the financial, physical, and mental kind—you don’t need.
Here are some other eye-opening numbers for you: Research by Zillow and Thumbtack found the average U.S. house faced about $9,400 in hidden costs per year.
For houses in Austin, that number is $12,457.
$9,727 in “necessary” costs (taxes, insurance, and utility bills) plus $2,730 in maintenance costs. That’s the 9th highest of all cities in the study. (1)
Buy or rent in Austin? Meanwhile, monthly rents in Austin haven’t risen as sharply as real estate prices have. You can get a lot more house for your money by renting, and you know how much you’ll be paying throughout the year.
Plus, being able to call a landlord to take care of that plumbing disaster? Priceless.
Renting Leaves You More Cash for More Flexibility
Now let’s talk cash. 💸 Namely, how much more of it you’ll have if you don’t throw it into a down payment for real estate. If you’re considering whether to buy or rent in Austin, this could be a key factor.
In the tech world, some of the most exciting jobs are in startups. Maybe that’s what brought you to Austin. A hot new business that’s primed to explode, but you have to take a major salary cut now to get in on it. If you’re counting on that cash for buying a house, you might not be able to afford to take a hit now for the prospect of a big payout down the line.
But if you rent and save that cash, you’ll not only be in a better position to take the equity. You’ll also have the flexibility to be more strategic and profitable with what you do with it.
Here’s one example: If you’ve received stock grants, a Section 83(b) election lets you pay taxes on them now, when the stock is granted to you, rather than years later when the stock is vested—and potentially worth a lot more. Renting can provide you the liquidity needed to take advantage of such opportunities, adding to the reasons to rent rather than buy in Austin.
One thing I’ve learned about tech professionals is they love a challenge. New problems to solve, new mountains to climb. Bring it on.
But that also means you might be drawn to what seems like a dream job at first, only to start feeling bored when things get stale or easy or repetitive. That can mean more job changes—and location changes—than other professions.
And that’s fine! I won’t be offended if you have to leave this great city. I support you in your next challenge. 🙌
But if your new dream job calls out to you from San Fran or Seattle or New York or wherever and you already have a house here in Austin, you may find that house holding you back. It becomes an albatross around your neck, one so big it has its own gravitational pull, keeping you from launching off to the job you really want.
And let’s keep it real: the tech industry can be brutal. Big company-wide layoffs can send you into an escape pod whether you’re ready to leave or not. Having a cash cushion available by not putting it into a house can make a huge difference in easing the stress. This is another reason why many tech professionals consider the buy or rent in Austin question and often lean towards renting.
More Freedom for Journeying and Learning
The sky’s the limit on what you can do with the extra cash and extra freedom that comes with renting. That’s the best part about freedom!
But here are a couple ways that renting may offer an extra-enticing advantage. One is if you want to literally take to the skies! ✈️
Whether it’s to visit family or just explore the wild world out there, many of the tech professionals I work with love to have a large travel budget! Instead of putting a whole bunch of cash into one very stationary house, you can spend it on roaming the world as you wish.
Plus, you won’t have to worry about what might be happening to your house or yard or plumbing while you’re away.
You Don’t Know How Your Kid Will Grow Up Yet
Not being tied down by a house also gives you valuable freedom in terms of education for your kids. If you’re new to Austin, you might not know where you to settle based on your family’s educational priorities. You might not know what schools offer or where their district boundaries are.
And you probably can’t predict what your kids will be like in the future, either. Will they show a knack for certain subjects, interest in certain careers, or talent in certain lucrative sports?
You may end up wanting to move to a different school system that has the programs and opportunities to best help your future superstars thrive. 📚 If your family is renting, both the decision and the move itself will be much easier on you. This flexibility is a major factor when deciding to buy or rent in Austin, especially for families.
So… What’s Your Next Move?
Has this helped open your mind to renting instead of buying a house in Austin? That’s just the start. There are a lot of factors to consider, a lot of specific financial strategies that may help in your situation.
Or maybe you’re a tech professional that these reasons don’t apply to. Or maybe you’re not in the tech industry at all, but still find yourself thinking, “I need to start getting my financial life in order and have a second opinion on important decisions like this!”
That’s what we’re here for. Whether you rent or buy, we’re here to help you make the best call for you and your family in all of your financial choices. Schedule a call.
About Richard
Richard Archer is a financial advisor and the President of Archer Investment Management with more than twenty years of industry experience. He specializes in providing comprehensive financial planning and investment guidance and personalized care and attention to professionals with complex compensation and families pursuing financial freedom. Along with holding a Wharton Bachelor of Science in Economics and a Texas MBA, he is a CERTIFIED FINANCIAL PLANNER™ and a Chartered Financial Analyst®. He combines his advanced industry education and knowledge with his genuine care for people to provide clients with an exceptional experience. To learn more about Richard, connect with him on LinkedIn, Facebook, Twitter or visit www.archerim.com.
Austin is the cool place to be these days, but the housing market in “the music capital of the world” is triple digits H-O-T!
But stay tuned… because we are going to share some smart ways to calculate “‘how much house can I afford in an in-demand city like Austin?” 🤔
BUT FIRST… A FEW FACTS ABOUT OUR IN-DEMAND MARKET 🔥
Home prices in Austin have spiked nearly 10% in the last year. It’s getting expensive for those who want to put down roots and get their own piece of Austin real estate.
The average home value right now in Austin is just over $360,000, and the median listing price is $379,000. (1)
With our market as hot as it is, it is more important than ever to have a solid grasp of how much house you can really afford before you sign on the dotted line.
Ten years ago we saw what happens when too many people get caught up in the rush and end up in over their heads. 👎🏻
WHY ONLINE CALCULATORS DON’T SHOW THE WHOLE PICTURE 🙈
So, how do you know how much you can really afford in our incredible city? Some people think using an online calculator is a great way to crunch the numbers.
However, a calculator in and of itself is not sufficient. A calculator’s purpose is to determine “how much of a mortgage you may be able to obtain.” But just because a lender is willing to give you a mortgage doesn’t necessarily mean you can afford it or you should get it.
There are a few other critical goals and lifestyle items to consider first…
WHAT ELSE DO YOU WANT BESIDES A HOUSE?
Just because you can technically “afford” a mortgage payment doesn’t mean it’s the best choice for you right now. It’s important to take long-term goals into consideration. Taking on too hefty of a mortgage will limit funds for your other goals, making them harder to achieve.
Do you want your children in a private school? That will reduce how much money you have to put toward a house payment on a monthly basis.
Do you want to retire early or travel often? An online calculator doesn’t know that. Using an online calculator to determine the mortgage size to take on could make it challenging for you to fulfill your dream of becoming financially independent or seeing the world.
While the online calculator is a good starting point, it is an oversimplification. It’s important to look at the big picture of your life to see how owning a home fits into your other goals and priorities.
ARE YOU REALLY SURE YOU WANT TO BUY? 🏠
Owning a home is an important milestone in our American culture. How important is it to you personally, though?
Many young people purchase homes because that’s what’s supposed to come next after starting a real job and getting married, and before the kids start coming. Too many people purchase a home on autopilot and don’t take the time to even consider if it’s what they really want in life.
FINANCIAL COSTS
Contrary to popular belief, owning a home isn’t right for everyone. It isn’t always a good financial move. There are so many expenses that come up when owning a home it’s impossible to list them all.
It goes all the way from big-ticket items like HVAC and a new roof to little things like backflow testing, shower curtains, and tree trimming. Do you know how much it costs to replace outdated brass faucets?
If you look at Zillow’s website, it will tell you that the mortgage for a $375,000 house would be about $1,463 a month. (2) You look at that number, see the picture of the pretty house with all of its curb appeal, and think, “That’s cheaper than my rent. I’m in!”
But that number doesn’t include taxes. And it doesn’t include insurance. It doesn’t include the HOA. Or any of the myriad of expenses mentioned above. Once all of the expenses are laid bare, many people decide that it just makes more financial sense to rent rather than buy.
LIFESTYLE COSTS
Even if you have the money, owning a home might not fit your lifestyle. Are you sure you want to stay in Austin long term? If you change your mind, it’s much easier (and cheaper!) to pick up and leave if you rent instead of own a home. Homeownership serves as an anchor that many people appreciate while others loathe.
Even if the nomadic lifestyle holds no appeal for you, you may not want to be anchored quite yet. If you’re still building your career, being anchored to a house could keep you from pursuing a promising job opportunity elsewhere.
What happens when you have kids? Will you want to be closer to the grandparents (and free babysitting)? Are you satisfied with the schools in your neighborhood, or will you want to move to a better district? If that’s too far in the future, you may not be ready to make a commitment yet.
YOU DON’T HAVE TO FIGURE THIS OUT ALONE 🙌🏻
When you own a home or are thinking about purchasing one, it’s challenging to anticipate all of the different expenses that will crop up or the different factors that need to be taken into consideration.
You simply don’t know what you don’t know.
I love to come alongside people who are right in your position and give them a leg up. I understand the stress and anxiety that you are facing as you approach making the biggest purchase of your life. It can be daunting.
But, it doesn’t have to be. Partnering with an experienced financial professional can help lift the burden from your shoulders and help lower your stress knowing you are making the right choices for YOUR life and values.
If you’re considering buying a house in Austin, give me a call first.
We can review your goals and priorities, see how home ownership may fit in, and find a price point that will make ALL your dreams possible, not just home ownership!
Richard Archer is a financial advisor and the President of Archer Investment Management with more than twenty years of industry experience. He specializes in providing comprehensive financial planning and investment guidance and personalized care and attention to executives with complex compensation and families pursuing financial freedom. Along with holding a Wharton Bachelor of Science in Economics and a Texas MBA, he is a CERTIFIED FINANCIAL PLANNER™ certificant and a Chartered Financial Analyst®. He combines his advanced industry education and knowledge with his genuine care for people to provide clients with an exceptional experience. To learn more about Richard, connect with him on LinkedIn or visit www.archerim.com.
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We honestly could not ask for a better partner.
My husband and I have been working with Richard and the team at Archer Management Group for over 10 years, and we honestly couldn’t ask for a better partner. Richard is not only incredibly knowledgeable — he’s also just a genuinely great person. We always feel like he’s looking out for us and helping guide us in the right direction. He’s helped us through an inheritance, purchasing homes, managing complex stock options/RSAs at work and helps keep our finances running smoothly.
The whole team is super responsive and on top of things, and they’ve made the whole process of managing our finances feel less stressful and more secure. We really trust Richard with our money, and that peace of mind is huge for us. I highly recommend Richard and team!
Dave
Received on Google July 2025
These testimonials were provided by current Archer Investment Management clients and may not be representative of the experiences of other clients. The clients were not compensated, nor are there material conflicts of interest that would affect the given testimonials. You can view a complete list of reviews at Emily Rassam’s and Richard Archer’s Wealthtender profiles.
Most thorough and personable financial planners and wealth managers
George and I had been with an investment firm that promised many things they never got to deliver. We are so grateful to have found Archer Investments. Emily,Richard and all of the staff are extremely knowledgeable and so personal. We feel like family to them.We also feel so comfortable with our financial planning that has transpired, feeling confident in our long range plans, short term goals, the security of having ample insurance and medical coverage along with complete documents (POA’s, wills, healthcare POA’s, everything to make any transition smooth for our family). It is a tremendous relief to have everything in place. Their wealth of knowledge and attention to detail is impeccable. We feel so blessed to have found them and highly recommend their comprehensive services.
Andrea & George
Received via WealthTender: April 4, 2024
Comprehensive financial planning
Working with Emily, Richard, and the team has been great! Their insight has been invaluable for me across a variety of domains. Their approach builds from goals backwards — we met together to outline short and long-term goals and then used those goals to create a plan across a variety of decisions, from home ownership to car insurance to investment and much more. Richard and Emily truly do a great job of drawing me into the loop, ensuring that the financial plan we develop reflects my goals and wishes. Before settling with Archer Investments, I talked with a number of other advisors and none of them had the combination of professionalism, attention to detail, and comprehensive services offered by Archer.
Ben
Received via WealthTender: July 1, 2024
I was quite literally afraid of getting help and of all that it involved. It’s been wonderful. No kidding: best decision ever!
I’m not finance-oriented by any measure, but luck came my way for once and I found myself having enough assets to need some help. Only I didn’t know what kind of help I needed and it’s easy to get overwhelmed quickly and I was on like year number whatever of being overwhelmed and I just kicked that can down the road every year. After a short search, I found Archer’s team and quickly just pushed other options off the table and signed on. They’ve actually been able to simplify things in a way that makes me feel like I can manage my life and not worry about it all for the first time in years. I basically had all eggs, but no basket. Now I have a comprehensive plan from some incredible staff and I actually love the process instead of dreading the matter. Simply put, Archer has changed how I view my own finances and what used to be a cause of stress for me is now a giant sigh of relief. I said in the title it was the best decision ever and I mean it: this has 100% seriously no-fingers-crossed changed my life. If you’re like me and you’ve been debating if you even need this kind of help, then yes… yes, you do!
Scott Eaton
Received via WealthTender: July 10, 2024
We honestly could not ask for a better partner.
My husband and I have been working with Richard and the team at Archer Management Group for over 10 years, and we honestly couldn’t ask for a better partner. Richard is not only incredibly knowledgeable — he’s also just a genuinely great person. We always feel like he’s looking out for us and helping guide us in the right direction. He’s helped us through an inheritance, purchasing homes, managing complex stock options/RSAs at work and helps keep our finances running smoothly.
The whole team is super responsive and on top of things, and they’ve made the whole process of managing our finances feel less stressful and more secure. We really trust Richard with our money, and that peace of mind is huge for us. I highly recommend Richard and team!
Dave
Received on Google July 2025
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Their expertise in the tech startup industry is invaluable to navigate company stock options and instill confidence when exercising.
Working with Emily, Richard, and the rest of the Archer team has been an absolute game-changer for my financial well-being. From our very first meeting, their friendliness and professionalism put me completely at ease. I feel like they genuinely care about my goals, and they’ve been incredibly patient in answering all my (many!) questions. If you are anything like me starting this process with no idea what the heck your financial goals are, don’t worry, they will gently guide you. They do a thorough intake process over several meetings to identify goals, risk tolerance, and get to know clients.
I had a scattered mess of accounts due to changing employers and random investments over the years. Now all of those accounts are organized and manageable from a single place. Their expertise in the tech startup industry is invaluable to navigate company stock options and instill confidence when exercising. What truly sets them apart is their high quality tooling. I love love love that they have everything in a secure cloud with custom dashboards, and all signatures are electronic – no more printing and mailing, thank goodness! They also pre-fill any necessary forms with my personal info which is a huge timesaver. Their responsiveness is truly remarkable; I’ve always received incredibly fast replies. This level of dedication is rare and greatly appreciated. Last but not least, I get to sit back and watch my investments grow. For the first time in my life, I can see a path to early retirement.
I wholeheartedly recommend Archer Investment Management to anyone seeking a trustworthy, knowledgeable, and highly responsive financial planning service.
Maggie
Received on Google May 2025
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Personalized to our lifestyle
Richard and Emily are a fantastic team! We reached a point in our life that we thankfully had options for our money, investments, and the way we wanted to live our lives. Their approach is personalized to understand your relationship with finances and tailored to how you want to enjoy your money now and into the future. We had considered ourselves smart with our finances, but the Archer team exceeded our expectations and opened up several opportunities to maximize our potential. We got support & recommendations for exactly how to allocate, invest, and yes spend our money the way we wanted our lifestyle to be. This approach gave us the peace of mind knowing our future was secure, our 3 kids college was within reach, and our “fun” spending on family and vacations was a balanced way for us to enjoy the long journey. And on top of that, they make the process simple and as easy as possible. So glad we found this team.
Danny and Julia
Received on WealthTender October 2024
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I was quite literally afraid of getting help and all that it involved. It’s been wonderful. No kidding: best decision ever!
I’m not finance-oriented by any measure, but luck came my way for once and I found myself having enough assets to need some help. Only I didn’t know what kind of help I needed and it’s easy to get overwhelmed quickly and I was on like year number whatever of being overwhelmed and I just kicked that can down the road every year. After a short search, I found Archer’s team and quickly just pushed other options off the table and signed on. They’ve actually been able to simplify things in a way that makes me feel like I can manage my life and not worry about it all for the first time in years. I basically had all eggs, but no basket. Now I have a comprehensive plan from some incredible staff and I actually love the process instead of dreading the matter. Simply put, Archer has changed how I view my own finances and what used to be a cause of stress for me is now a giant sigh of relief. I said in the title it was the best decision ever and I mean it: this has 100% seriously no-fingers-crossed changed my life. If you’re like me and you’ve been debating if you even need this kind of help, then yes… yes, you do!
Scott
Received on WealthTender July 2024
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Most thorough and personable financial planners and wealth managers.
George and I had been with an investment firm that promised many things they never got to deliver. We are so grateful to have found Archer Investments. Emily,Richard and all of the staff are extremely knowledgeable and so personal. We feel like family to them.We also feel so comfortable with our financial planning that has transpired, feeling confident in our long range plans, short term goals, the security of having ample insurance and medical coverage along with complete documents (POA’s, wills, healthcare POA’s, everything to make any transition smooth for our family). It is a tremendous relief to have everything in place. Their wealth of knowledge and attention to detail is impeccable. We feel so blessed to have found them and highly recommend their comprehensive services.
Andrea and George
Received on WealthTender 2024
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We’ll forever remember Emily as the person who said we could retire.
We’ve worked with Emily for a few years now, and have been so impressed. She is a wealth of knowledge and a way of being able to answer a lay person’s questions in a very thorough and understandable manner. She can answer any question you throw at her with detail and clarity. She is honest, credible and trustworthy. She is very knowledgeable about the technology she has available to use and is able to provide strong visuals and projections to help with making decisions. She is always willing to meet and discuss a given topic or to provide an update on our portfolio. We’ll forever remember Emily as the person who said we could retire. That’s a hard decision to make and she was able to clearly show us the path. I’d highly recommend Emily to work with as a Financial Advisor.
Kay
Received on WealthTender June 2022
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There is no one else I would trust with my financial future. This advisor/client relationship is the best I’ve ever had.
Emily has been a lifesaver for me in so many ways. I needed a Financial Advisor that I could trust, and I could not be more pleased. She is honest, provides great advice, guidance and always goes the extra mile for her clients. She is always professional, knows what is going on in the industry and what services the company offers I could benefit from. I retired at the end of 2018, but before I did, I met with Emily, and we went over what my retirement would look like. There is no one else I would trust with my financial future. This advisor/client relationship is the best I’ve ever had. She keeps me on the right road! I appreciate her so much.
Elaine
Received on WealthTender June 2022
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The entire experience has brought us a great sense of security
My wife and I have been with the Archer team for almost 3 years. Throughout, they have been responsive, thorough, and professional. All of the staff are excellent communicators, in person or via email/texts! The entire experience has brought us a great sense of security – from the initial “get to know you” conversations, with Rich doing an excellent job of listening, to the mid-course corrections when life changes. Initially they brought great organization to our portfolio, and our retirement is organized and easy to track. Whenever it’s time for us to do some homework, they are great at helping us with our end of the tasks.
Karen
Received on WealthTender February 2023
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Before meeting with the Archer Team, we had concerns about the value wealth management would bring to the table. Those concerns were quickly squashed after meeting with the team.
We have really enjoyed working with Archer Investment Management. We reached out to them because we wanted financial guidance and reassurance as we move toward reaching education goals for our children and retirement goals for ourselves. We knew we needed to diversify some of our assets but had no idea how to do so in a financially savvy way. Before meeting with the Archer Team, we had concerns about the value wealth management would bring to the table. Those concerns were quickly squashed after meeting with the team. They pointed out things we hadn’t thought of and questions we hadn’t asked ourselves to help create more specific goals than we would have set for ourselves. They kindly and patiently walked us through creating a plan that fit our comfort level and helped us take the steps needed to put that plan in action. If any of this sounds overwhelming, I can’t reiterate enough how much patience and support we received. It never felt overwhelming. We are so relieved to now have the support of these specific experts to help us stay on track to hitting our goals.
