Jacob Sadler, Author at Woodstone Financial LLC

About Jacob Sadler

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In 50 Words Or Less: My family and friends call me Jake. When I’m not in the office I’m spending time with my wife and daughter, working around our house or mountain biking. I invested in my first mutual fund at the age of 15 with savings from my first job.

Credentials: I am a CERTIFIED FINANCIAL PLANNER™ practitioner; and an affiliate member of NAPFA, the National Association of Personal Financial Advisors.

Experience: I joined Woodstone Financial in 2011. As an associate advisor I take a lead role with our client service requests; and directly assist clients with financial planning, and investment management.

Education: I hold Bachelor’s degree from Appalachian State University and a Master’s degree from the University of Georgia. I studied human and economic geography (feel free to ask!) and I am also a published peer-reviewed author in this field of study. In addition, I completed the CFP Board-Registered Program at The American College of Financial Services. As a CERTIFIED FINANCIAL PLANNER™ practitioner, I complete at least 30 hours of additional continuing education courses annually.

Entries by Jacob Sadler

Part II: Lump-Sum Investing vs. Dollar-Cost Averaging

October 1, 2020 in Woodstone Financial /by Jacob Sadler

Should you invest it all right away as a lump sum?

How to Be Positively Skeptical: Part 2

September 14, 2020 in Woodstone Financial /by Jacob Sadler

In previous installments of our “How To Be Positively Skeptical” series, we covered the many forces that tease us into falling for misinformation. Bottom line, our brains are hardwired to lead with fight-or-flight instincts ahead of rational resolve. As such, our critical thinking often plays second-fiddle to rash reactions such as fear, excitement, overconfidence, and […]

How to Be Positively Skeptical

September 8, 2020 in Woodstone Financial /by Jacob Sadler

Whether you’re considering an investment opportunity or simply browsing various media for insights and entertainment, it has become increasingly obvious: You cannot believe everything you see, hear, or read. Much of it is “overdramatic.” Too much of the rest is just plain wrong. Thus it falls on each of us to be positively skeptical […]

WCU Biltmore Park Class Dates – 10/27 and 10/29

September 7, 2020 in Woodstone Financial /by Jacob Sadler

Designed to deliver comprehensive, objective information…

Getting Real with Retirement Planning: Understanding Sequence Risk

August 26, 2020 in Woodstone Financial /by Jacob Sadler

Clearly, there is a lot to think about when planning for retirement. While we have a degree of control over many of the choices involved, there’s one big wild card called sequence risk. Sequence risk is the risk that you’ll encounter negative investment returns in early retirement. This is an important consideration, because the […]

Lump-Sum Investing vs. Dollar-Cost Averaging

August 24, 2020 in Woodstone Financial /by Jacob Sadler

Some investors favor a dollar-cost averaging (DCA) approach to deploying their investment capital. Unlike lump-sum investing, in which the full amount of available capital is invested up front, DCA spreads out investment contributions using installments over time. The appeal of DCA is the perception that it helps investors “diversify” the cost of entry into the […]

What Is Fiduciary Advice, and Why Does It Matter (Now More Than Ever)?

August 20, 2020 in Woodstone Financial /by Jacob Sadler

How do you know when an investment recommendation is worth heeding? Red tape and legal jargon aside, it’s about finding an advisor who exemplifies a few simple ideals: “There’s no confusion in the minds of investors as to what they want. They’re very clear. They want somebody they trust who makes recommendations that […]

Market Returns and Election Years

August 17, 2020 in Woodstone Financial /by Jacob Sadler

It’s almost Election Day in the US once again. While the outcomes of the elections are uncertain, one thing we can count on is that plenty of opinions and prognostications will be floated in the months to come. In financial circles, this will almost assuredly include any potential for perceived impact on markets. But should […]

ABCs of Behavioral Bias: O-Z

July 24, 2020 in Woodstone Financial /by Jacob Sadler

The last set of behavioral biases in our series

Financial Well-Being In The Time of Coronavirus

June 30, 2020 in Woodstone Financial /by Jacob Sadler

For better or worse, many of us have had more time than usual to engage in new or different pursuits in 2020. Even if you’re as busy as ever, you may well be revisiting routines you have long taken for granted. Let’s cover eight of the most and least effective ways to spend your time […]