Borza Storck Wealth Management of Raymond James

04/20/2026

A buy-and-hold strategy inevitably will bring frustration...

Astute followers of the market must recognize that successful investing in the market is predicated not on the duration or the amount of time that one is involved in the market, but on the ability to identify the key trends, such as cyclical periods within secular markets, and take advantage of these trends when available using Strategic Asset Allocation.

Our P.A.N.E.L framework is our objective, rules-based system designed to guide portfolio decisions and reduce the emotional biases that naturally arise from headlines, life events, and market noise. By relying on measurable market data, it helps manage sequence-of-returns risk and keeps clients invested with discipline.

04/13/2026

There is a question that sits underneath most financial plans… are you actually going to use what you’ve built?

Bill Perkins wrote Die With Zero as a provocation, and I think it deserves to be taken seriously. Not the caricature of it the idea that you should spend recklessly and arrive at death broke. The real argument is more uncomfortable than that. It is that most people with the means to live generously and intentionally are quietly, systematically deferring the very things they said they were building toward.

I made a video this week on the part of Perkins’ framework I find most useful in practice, which is the concept of timely giving and timely living. The idea that the value of a dollar and of your presence is not constant across time. A gift of meaningful capital to your child when they are buying their first home or starting a business is a categorically different thing than the same dollar passing through an estate twenty years from now.

The experiences that require your physical vitality have a narrower window than most people want to admit.

None of this is a license for financial recklessness. It is, however, a genuine challenge to the tendency to optimize endlessly for accumulation while treating deployment as an afterthought.

04/06/2026

Two investors can have identical average returns over 20 years and end up with completely different outcomes. The one who took the big hit in year one of retirement when they started pulling money out, never recovers. The one who took the same hit in year fifteen? Barely a footnote.

This is sequence of returns risk, and it’s the most underappreciated threat in retirement planning.

Think about it mathematically. When you’re withdrawing from a portfolio and the market drops 30%, you’re now selling shares at depressed prices to fund your life. Those shares are gone. They can’t participate in the recovery. The math works against you in a way that has nothing to do with your long-term average return.

The good news…this is a solvable problem, but it requires thinking about your portfolio in two directions at once. Offense builds wealth over time. Defense protects what you’ve built when the timing works against you. Most people only plan for offense. Retirement demands both.

As Howard Marks puts it… “Most investors’ results will be determined more by how many losers they have, and how bad they are, than by the greatness of their winners.”

PreRetirement OffenseAndDefense RiskManagement RetirementIncome

04/02/2026

Most business owners spend years building something valuable and almost no time preparing themselves for what comes next.

The business exit gets all the attention. The financials, the valuation, the deal structure. But the owners who struggle most after a transition aren’t the ones who got a bad price. They’re the ones who never asked the harder questions: Do I know what I actually need from this sale? Do I have a plan for my life on the other side?

That’s what the Personal Readiness Scorecard is designed to surface.

Each factor is scored on a 1–6 scale, giving you a clear, honest picture of where you stand today.

This isn’t a quiz. It’s a mirror.

If you’re a business owner thinking about an exit in the next 1–5 years, your score will tell you exactly where to focus before you ever sit down with a buyer.

👉 Send me an email to get a copy and tae the Personal Readiness Scorecard for free. [email protected]

Want to walk through your results together? Schedule a no-pressure conversation at borzastorckwealthmanagement.com

03/30/2026

The most successful sports franchise in history wins over 75% of their international matches across 100 years.

James Kerr embedded with the New Zealand All Blacks and wrote Legacy. He called the 15 lessons the First XV.
1. Character — Sweep the Sheds
2. Adapt — Go for the Gap
3. Purpose — Play with Purpose
4. Responsibility — Pass the Ball
5. Learn — Create a Learning Environment
6. Whānau — No Di*****ds
7. Expectations — Embrace Expectations
8. Preparation — Train to Win
9. Pressure — Keep a Blue Head
10. Authenticity — Know Thyself
11. Sacrifice — Find Something Worth Dying For
12. Language — Invent a Language
13. Ritual — Ritualize to Actualize
14. Whakapapa — Be a Good Ancestor
15. Legacy — Write Your Legacy

03/26/2026

How will you Bridge the Gap?

Wealth Gap = The additional wealth you need to accumulate to meet your goal

Your Wealth Goal - Your Current Actual Net Worth (not including your business)

03/25/2026

Value Gap = The Business Value You are Sacrificing by Not Operating at a Best in Class Level

The basis of the Best In Class Value begins with best in class profit at your level of sales (determined in Profit Gap analysis)

The Best in Class Multiple is applied to the Best In class Profit

Your actual value should be based on your actual recasted or adjusted EBITDA

03/23/2026

Which Gap is your most expensive problem?

03/17/2026

I’ve had a lot of people wondering whether they should adjust their portfolios because of the latest military developments. In reality, a long-term investment strategy should already bake in the fact that geopolitical flare‑ups are going to happen from time to time. They’re not rare events, they’re part of the investing landscape and should be accounted for always.

If someone was overweight Energy before all this, they’re probably holding up better right now. But positioning like that works when it’s done in advance, not as a reaction to headlines.

Staying disciplined beats chasing the moment, every time.

01/15/2026

For young millionaires, one of the savviest moves is assembling a team of trusted individuals to help you see risks as clearly as rewards. Read more:

raymondjames.com