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Dennis McNamara, CFP®, CHFC®, AIF®, CSLP®

Today, as co-founder of wHealth Advisors, I find immense fulfillment in knowing that we use our platform as a force for good. As a firm, we’re founded on the industry’s highest standards for ethics and transparency while also offering pro-bono services to those in need. Financially, we donate a portion of our gross revenue annually to qualified 501(c)3 organizations (which are nominated + voted on by our clients). Personally, though, I find the greatest satisfaction in helping my clients gain financial peace of mind through prudent money management. Prudent money management is like a positive feedback loop: when we are no longer burdened by finances, other dimensions of our lives also tend to improve. As we continue to grow we realize that as important as money is, those other dimensions of life are equally (if not more!) important. As modern philosopher Naval Ravikant reminds us: “The three big ones in life are wealth, health, and happiness. We pursue them in that order, but their importance is reverse. A calm mind, a fit body, and a house full of love. These things cannot be bought.” My life’s mission has been dedicated to helping others use money to close the gap between who they are today and the best version of themselves that awaits ahead. I am excited to meet you and look forward to the opportunity of working together on your journey to financial independence! Designations: - Certified Financial Planner™ - Chartered Financial Consultant® - Accredited Investment Fiduciary® - Certified Student Loan Professional® Featured in: - Forbes - U.S. News & World Report - Financial Advisor Magazine Outside of wHealth Advisors: - Educating myself more on: Stoicism, permaculture, climate justice, systemic racism, health & longevity science - Happiest when: outdoors with wife, Arabelle, and son, Manny - Stays active with: strength training, functional range conditioning, hiking, cycling, surfing, and yoga - Financially splurges on: Single-origin coffee

Blogs by Dennis McNamara, CFP®, CHFC®, AIF®, CSLP®

Kiplinger Advisor Collective

Dennis McNamara Invited to Join the Kiplinger Advisor Collective

Incredibly honored to share that I’ve been invited into the Kiplinger Advisor Collective, joining a brain trust of financial experts I’ve long admired and followed.    Our first member call

A Cautionary Tale: Baby Boomers Want a Do-Over

A recent study by Annuity.com reported that if Baby Boomers could go back and make different choices, most would prioritize their health over their money. Similarly, In a survey by the Nationwide

FDIC Refresh: Are you covered?

While many were watching the Oscar’s, finance fans were watching the implosion of Silicon Valley Bank (SVB), the 16th largest bank in America. For those interested, we wrote a brief, high-level summary of
Silicon Valley Bank

WTF, SVB?! A TL;DR

While many were watching the Oscar’s, finance fans were watching the implosion of Silicon Valley Bank (SVB), the 16th largest bank in America. Our TL;DR on what happened to SVB: SVB’s
Nature is medicine

Nature Is Medicine

We live in a fast-paced world, surrounded by technology and endless responsibilities. With so much to do, it’s easy to overlook the importance of connecting with nature. Many of us
Debt Ceiling

A Looming Debt Ceiling

If you follow business/financial news at all, it’s likely that you’re aware of the looming debt ceiling crisis. In this month’s contribution, we want to peel back the onion and provide
Health is Wealth

Health is Wealth: Virtual Event (client-only)

BIG NEWS! In 2023, we are partnering with Stevyn Guinnip, a financially-focused health coach and founder of Grow Wellthy! Over the course of 2023 we’ll be offering four virtual events that will help
SECURE 2.0 Act

SECURE 2.0 Act: If You Don’t Know, Now You Know

On December 23, 2022, Congress passed the SECURE 2.0 Act. This comes roughly three years after the original SECURE Act which was passed in 2019. SECURE 2.0 expands the original. While there are

Optimizing Your Nervous System

This Wellness blog was first featured in our December 2022 monthly newsletter. Similar to that month’s financial contribution, this article is written 99.9% by AI. The first sentence started “At
DALL-E

AI Wrote This Blog

For this month’s contribution, we allowed AI to write this blog. A few weeks back I learned about the artificial intelligence company known as OpenAI. DALL-E What initially brought OpenAI

72-Hour Longevity Fast (Nov 2022)

Without wasting time – this is an invitation to join me in an upcoming 72hr longevity fast. If this isn’t your cup of tea – totally get it, feel free

Men’s Health: The Wisemen Retreat “FIRE” Experience

The Wisemen Project is a men’s group that melds proven, ancient techniques of movement, breath work and meditation with cutting edge scientific research. The group was formed as a powerful

Preparing Children for their Financial Future

Preparing children for their financial future is a key concern of many parents. A a follow-up to last month’s contribution focused on financial considerations for those between 15-24 years old,

Improving Longevity Through Relationships

Improving longevity through relationships is a crucial health pillar that receives far less attention than it deserves.  As we’ve discussed before when it comes to longevity, it’s well documented that

Preparing Young Adults for their Financial Future

With back-to-school right around the corner, we wanted to use this blog to address preparing young adults for their financial future. particularly those between the ages of 15-24. While some
The Dreaded "R" Word

The Dreaded “R” Word

Probably like you, we’re hearing the dreaded “R” word – recession – being referenced quite a bit lately. In fact, in the month of June, Google Trends – which analyzes
Attention

Attention: Our True Source of Wealth

Time is often cited as one of the most (if not the most) valuable currencies. In his recent feature on the Tim Ferriss Show, Sam Harris disputes this. Sam posits that attention, not time, is
die young late

The Changing Longevity Landscape

Living beyond age 100 may become commonplace. Now, before I go down this rabbit hole, a disclaimer: Extending lifespan beyond known biological bounds is still sci-fi stuff. However, also consider

Conscious Breathing: Our Hardwired Superpower

Depression, anxiety, and sleep dysfunction rates among both children and adults have reached epidemic levels and are getting increasingly worse. To our own detriment, many of us go through life

The Federal Reserve’s Toolkit + Market Hangover

The Federal Reserve’s toolkit consist of two blunt tools: the fed funds rate + quantitative easing. In this month’s contribution we’ll discuss the potential short and long-tail impacts of both.
SEC enforces ESG disclosure

The SEC Finally Enforces ESG

With Earth Month upon us, we’re happy to report one small, incremental bit of progress in finance: The Securities and Exchange Commission (SEC) will finally enforce ESG disclosure and begin

The Centenarian Olympics

Training for the Centenarian Olympics Training for a long, healthful, and functional life is not the same as training for performance. Eminent longevity doctor, Dr. Peter Attia, notes that, for most people, the

When Worlds Collide

Investors need to be prepared for when worlds collide. Collisions – whether they be on a macro level (like war, famine, geopolitical strife etc.) or on the micro level (a

Sleep Hacking: Proven Tips For Better Sleep

By “hacking” your sleep – that is, following proven tips to optimize both the quality and duration of your sleep – you can set yourself up for a successful, productive

Finances for Fathers: Episode 64 of the Dad.Work Podcast

Dennis McNamara had the opportunity to connect with Curt Storring, the host of the Dad.Work podcast, in a wide ranging conversation focused on finances for fathers. Some highlights from the

The Benefits of Cold Exposure

As you may know, cold exposure – also known as cold thermogenesis – has numerous benefits, from muscle recovery and fat loss to mental health, mood enhancement, insulin resistance, and

The 101 on I Bonds

Before diving into a 101 on I Bonds, let’s first acknowledge that they’re the most boring investment that we’re recommending to… just about everyone*. If inflation is something that’s top

Living Your Eulogy Virtues

Awhile back in our piece on Minimalism we touched on the topic of death. Inspired by John’s January newsletter reflections on the passing of both John Madden and Betty White,

New Year’s Resolutions

For the 50% of your that feel like Michael Scott, this may not be for you. However, If you’re one of 31% of people planning to make a New Year’s

End of Year Planning

Some end-of-year housekeeping and planning strategies to close out the year on a good note: Review your portfolio: with upcoming transitions in mind. Are allocation changes needed to begin preparing
Wisemen

IG Live: wHealth Advisors speaks with The Wisemen Project

wHealth Advisors co-founder, Dennis McNamara, recently spoke with Christian Valeriani of The Wisemen Project regarding men’s health and the constant juggling of priorities men face as parents, partners, and professionals.

The Role of Alternative Investments in Your Portfolio

For decades, pundits have taken a stab at writing the obituary for the traditional 60/40 portfolio (i.e. 60% stocks/40% bonds). At first glance, this seems laughable. Over the last 90
Take back your health

Four simple tips to take back your health

While genetics certainly play a role, the overwhelming majority of our health outcomes are a product of our nourishment (including the content our brains consume!), rest, activity, and habits. Wherever
The Wisemen Retreat

Men’s Health: The Wisemen Retreat

About The Wisemen Project The Wisemen Project is a men’s holistic health group that melds proven, ancient techniques of movement, breath work and meditation with cutting edge scientific research. The
TAX

 Federal Tax Proposal – A Summary

The Biden administration recently announced a number of tax proposals to fund new government investments. The current version may not be the final form, but many of its features are
S&P 500 marks 100% gain since March 2020

S&P Gains 100% from March 2020 Low: Now what?

After hitting “rock bottom” following global shutdowns related to the coronavirus in March 2020, the S&P 500 has roared ever since delivering a 100% return. You read that right: 100%.
Scam Alert

Beware of Financial Scams

A personal contact shared a story with us regarding their friend who recently fell victim to an online gift card scam. The friend received an email from “Target” and was
Inflation

Should I Be Worried About Inflation?

The topic of inflation is getting lots of attention these days. Inflation, for starters, is defined as the decline in purchasing power of a given currency. So, as an example,

Seven Types of Rest You Need

In a perfect world, we’d all get 8hrs of quality sleep each night. In reality, many of us fall short on this – either in terms of length (i.e. getting

Cryptocurrency: Should I invest?

Crypto’s place in a portfolio: Cryptocurrency has an identity crisis. Depending on who you ask, some view it as a security (like a stock), a commodity (like gold/oil), or a

Estimating Returns: Hope for the Best, Plan for the Worst

Between 1926-2020, the US stock market return was basically 10% per year. While it’d be great to bank on 10% per year, it unfortunately does not work that way. For

The Latest Investment Craze: Non-Fungible Tokens

Over the past month nonfungible tokens, or NFTs, have been all over the news. Saturday Night Live even got involved.  What are they? NFTs are cryptographic assets that are on

Minimalism: Financially prudent, environmentally responsible… the shortest route to happiness?

What could eschewing the non-essential mean for your life? A quicker path to financial freedom? A reduced environmental footprint? More joy while living and less regrets on your deathbed? Yes,

Lessons from 2020

Lessons from 2020 2020 will be a year we will never forget. From a global pandemic and civil unrest, to an economic downfall that we continue to battle through today,
Apple on Book

This One Change to Financial Aid Could Negatively Impact Many Families

At the end of 2020, Congress passed the Consolidated Appropriations Act. Most of the attention around this act, a $2.3 trillion spending bill, was focused on the COVID-19 relief provisions.
Market Review 2020 Cover

2020: Market Review

The year 2020 proved to be one of the most tumultuous in modern history, marked by a number of developments that were historically… wait for it… unprecedented. But the year
Student Loan Cosigner

Cosigning a Student Loan: Pros & Cons

Cosigning a Student Loan: Pros & Cons The process of taking SAT/ACT exams, sending out handfuls of college applications, and eventually deciding on your school of choice is an emotional
Medical Professionals

Webinar: Financial Crash Course For DOCTORS

FINANCIAL CRASH COURSE FOR DOCTORS wHealth Advisors is excited to announce a free webinar to help doctors (and those in training) get on a path towards financial independence. Financial independence?
Coronavirus

The Coronavirus and Market Volatility

The world is watching with concern the spread of the new coronavirus. The uncertainty is being felt around the globe, and it is unsettling on a human level as well
Doctor Finance

Doctors Get Shafted When It Comes To Finances

Written by: Dennis McNamara In a profession where it is expected that the practitioners embody the highest degrees of empathy, intellect, and work ethic – all for the benefit of