Patrick Ritter, Certified Financial Planner

05/25/2026

“Here is the bit nobody puts in the brochure. The window for the active retirement, the one where you can comfortably walk fifteen miles in Tuscany or fly to New Zealand without your knees seizing or dance at your nephew’s wedding until two in the morning, that window is about twelve to fifteen years. Not thirty. Twelve to fifteen. And it closes gradually, without you noticing, until one day you realise you can’t really do the Tuscany trip anymore, and you never did it when you could. The money was there the whole time, you just couldn’t authorise it. Authorise it now. The travel agent does not need a doctor’s note.” Dan Haylett’s Humans vs. Retirement Substack

05/06/2026

The “dream car” mindset may be shifting. With vehicle prices near $50,000, more Americans are choosing simpler, lower-cost cars with fewer features — and focusing on value, flexibility, and financial breathing room instead.

For many, wealth is built by owning assets, controlling debt, and creating freedom — not upgrading vechicles, trims, and monthly payments.

Sometimes the smartest flex is driving the reliable car… while investing the difference.
https://www.cnbc.com/2026/05/03/why-some-americans-are-buying-simpler-cars.html

05/04/2026

Smart investors don’t just hold through markets—they make lemonade from those lemons, turning unrealized losses into strategy through tax-loss harvesting, Roth conversions for tax-free rebound potential, and rebalancing into stronger opportunities.

05/01/2026

Plan your travel without wrecking your finances. With higher energy costs driving up flights, gas, and hotels, every trip decision matters more right now.

Learn how to weigh cost vs. experience so you can travel intentionally — not regretfully.

04/29/2026

The Right Capital Snapshot gives my clients a clear, one-page view of their plan—goals, investments, cash flow, assigned tasks, and much more.

Anchoring it all is their Core Values at the top: Family for this client. They have already padded their emergency savings and after paying off the credit card, they're planning a great trip for their newly graduated kids this summer, staying consistent with their #1 Core Value.

Want to do the same? Let's get started.
https://calendly.com/patrick-ritter-corepln/30min?month=2026-04

04/27/2026

I love seeing our very own core planning at #2 on the Altruist list of fastest growing firms. To learn more about what Altruist offers clients, check out the link below.

https://altruist.com/get-started-clients/

04/26/2026

A subset of clients I serve are skilled trades professionals with TradesWave Wealth. Their career trajectories are strong with plenty of demand, high early incomes, and often less education debt. With the right systems in place, they turn hard work today into long-term financial freedom.
https://www.tradeswavewealth.com/home

https://fortune.com/2026/04/21/america-silent-army-jll-report-skilled-trades-job-shortage-cost/?fbclid=IwY2xjawRYVH1leHRuA2FlbQIxMABicmlkETFtZ0s4THh6OUdJb0l1T0xVc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHg7mIzVX9o2SlzlpcBumTbLjkTc-HQvJbH1o_RXWF5n6HxzQ3UJo5y--fhYi_aem_krR512UlROKPD-CZItTG5g

Electricians, HVAC techs, and pipefitters are retiring faster than the U.S. can replace them. Without them, there's no AI boom, no new data centers, and no modernized infrastructure, a new JLL report warns.

04/23/2026

Prediction markets might feel exciting—but the odds are clearly against most of us. You can take another chance or instead make a change with a personalized financial plan + investment strategy.

Among over 1.7 million trading addresses on Polymarket, approximately 70% have realized losses while just 30% turned a profit, according to data from blockchain analyst DeFi Oasis.The findings reveal stark concentration at the top, with fewer than 0.04% of addresses capturing over 70% of total reali...

04/21/2026

I'll never forget this memory. Experiences stay with you and become who you are. The ROI doesn’t show up on your net worth statement—it shows up in how you think, what you value, and the stories you carry for life.

04/17/2026

Scheduling weekly transfers on Altruist has been foundational for many of my clients. Even small transfers each week quietly builds momentum while they’re focused on everything else. No willpower required.

https://altruist.com/get-started-clients/

04/15/2026

Grow with purpose. Our clients define what truly matters first—family, freedom, experiences, impact—then we align their money to fund that life. When your dollars follow your purpose, wealth becomes a tool—not the goal.