As a financial advisor and father of two young daughters under four, I have thought a lot about how to tackle saving for college. I’ve seen firsthand how student loan debt can be soul-crushing, career-limiting and even change the calculus of starting a family.

What a difference a week makes! The stock market's fear gauge (the VIX) was up over 100% on Monday while the Dow dropped a record 1175 points in one day. We ended a bumpy Friday with thousand point swings in the Dow and a market loss of over 5% for the week.

Kids are expensive. I don’t really know how people do it anymore. My wife and I did the math and we pay the equivalent of two University of California educations right now, raising a three year old and six month old. No wonder the US birth rate just hit a record low.

Captain Obvious: People are cheap and lazy. Pay a little extra for an electric car? No thanks. Eat a little less red meat? Hell no!

In 2011, my love affair with Uber began while I was living in San Francisco. I had walked to the grocery store and, after shopping, hadn’t for the life of me been able to flag down a cab.

“Say hello to my little friend” are some of the famous last words uttered by Miami coke dealer Tony Montana (Al Pachino) before he dies in a hail of bullets in the classic film Scarface.

The fossil-fuel-dominated energy sector has been crushed over the past five years and is down almost 20% this year, while the broad market is up around 10%.

Imagine that your friend, a heavy smoker, tells you, “I’m finally going to live a healthy lifestyle. I’m cutting down to one pack a day instead of two.” You would probably look at your friend as if he or she had two heads.

If you are investing for the long term (i.e., the next ten years or more), you should divest. Fossil fuel companies are sinking ships, and you don’t want to be the last person on the Titanic.

I’m starting Impact Fiduciary, a wealth management firm that reflects my values and answers a simple but powerful question. What would I want if I were the client? I’ve outlined why I decided to take this path and start this new adventure.