Ben Williams

  • Balance Sheet Structure

    By Francois Gadenne  |  October 1, 2008

    Some questions bring into sharp focus the difference between investing for accumulation versus investing for retirement income. For example, a key question to consider is: Should...

  • Public Risk: Taxes

    By Francois Gadenne  |  September 1, 2008

    Discussions of consumer spending tend to focus on post-tax dollars. This can be misleading because taxes are likely to be the bigger and faster growing...