Risk Assessment
Client Login

Fundamentals of Finance

Will you to stop going to Starbucks?

By

In this episode of Matt Minutes I am using a very basic analogy pertaining to shopping and how it can affect the markets more than the news that we hear or read about.  It’s alright to be concerned about things going on around us, but you need to make sure to put it into perspective.

Takeaways: Don’t let the current crisis of the day, week, or month derail your long-term investment plan. Or, better yet, don’t let your personal convictions and emotions dictate your financial decisions. While staying informed about current events is crucial, it’s equally important to remember that the market is influenced by a multitude of factors, not just the latest headlines. It’s important to maintain a rational and objective approach when it comes to investing. 

Story time with Uncle Matt- A Tale of 5 Investors

By

In this episode of Matt’s Minutes, Matt shares a captivating story about five investors who each received a cash gift from their fairy godmother to invest. While some made thoughtful, strategic decisions that grew their wealth, others made choices that didn’t have the same positive outcomes. Tune in to the video above to explore the different paths these investors took and the lessons they learned along the way.

Schedule Complimentary Appointment

The Vehicle vs The Road

By

In today’s episode of Matt’s Minutes, Matt shares an analogy that connects to your finances and long-term goals. Rather than focusing solely on the specific investment (the “vehicle”), it’s more important to focus on the overall journey (the “road”) and the path to your financial future. This shift in perspective can help guide you toward better, long-term financial planning.

Schedule Complimentary Appointment

Is hindsight really 20/20 vision?

By

In today’s episode of Matt’s Minutes, we’re diving into the concept of hindsight and asking, “Is it really 20/20?” While hindsight gives us a clearer view of past decisions, the decision-making process itself is what truly shapes our outcomes. In this video, Matt explores how seeking wise counsel can lead to more informed choices and better results. If you’re navigating important decisions, don’t hesitate to reach out for the support you need on your journey.

Schedule Complimentary Appointment

The Pain of Loss vs. The Pleasure of Gains

By

In today’s episode of Matt’s Minutes, we dive into the concept of loss aversion—a powerful psychological principle that explains why the fear of losing often outweighs the pleasure of winning. A study referenced in this video reveals that, on average, people need to win twice as much as they lose to justify participating in any venture with risk. In other words, the emotional sting of a loss can be twice as painful as the thrill of a win.

Understanding loss aversion is crucial in assessing your risk tolerance—how much risk you’re willing to take in your investments and financial decisions. This episode will provide valuable insights into how this behavior impacts the way we approach investing.

To help you assess your own risk tolerance, we’ve attached a unique and fun risk questionnaire for you to take. By answering a few simple questions, you’ll gain a better understanding of your personal appetite for risk. After completing the questionnaire, feel free to email us your risk score or letter at Help@rossfinancialinc.com—we’d love to hear your results and help you apply them to your investment strategy!

Click here for the Risk Questionnaire
Schedule Complimentary Appointment

Negative affects of Investment Concentration

By

In this episode of Matt’s Minutes, Matt discusses why diversification is key to managing your portfolio year after year. While we don’t have a crystal ball to predict which sectors or markets will perform the best, diversification gives us the next best thing: a strategy that balances risk and potential across various investments. Watch as Matt explains how spreading your investments across different sectors can help you weather market uncertainty and increase your chances for success in the long run.
Schedule Complimentary Appointment
Our Hours

8:30 AM – 5:00 PM PST
Monday – Friday

Connect
Facebook-f Linkedin Youtube X-twitter

2 Locations to Serve You:

Bothell Office:
17921 Bothell Everett HWY, Suite # 106
Bothell, WA 98012

Phone: 425-357-0400 | Fax: 425-332-3023

Help@rossfinancialinc.com

Silverdale Office:
10049 Kitsap Mall Blvd NW #309
Silverdale, WA 98383

Phone: 360-692-1777 | Fax: 360-692-5015

Silverdale@rossfinancialinc.com

Ross Financial Inc. All Rights Reserved

Check the background of your financial professional on FINRA’s BrokerCheck.

Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Constellation Wealth Services is not a registered broker dealer and is independent of Raymond James Financial Services.

2025 Forbes Best-in-State Wealth Advisors. As a chairman’s council member, I am licensed to promote Forbes|SHOOK awards published in 2025. The Forbes Best-in-State Wealth Advisors 2025 ranking, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone and in person due diligence interviews, and quantitative data. This ranking is based upon the period from 6/30/2023 to 6/30/2024 and was released on 4/8/2025. Those advisors that are considered have a minimum of seven years of experience, and the algorithm weighs factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Out of approximately 48,944 nominations, roughly 9,722 advisors received theaward. This ranking is not indicative of an advisor’s future performance, is not an endorsement, and may not be representative of individual clients’ experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for thisaward/rating. Compensation provided for using the rating. Raymond James is not affiliated with Forbes or Shook Research, LLC. Please visit https://www.forbes.com/best-in-state-wealth-advisors/ for more info.

Matthew Ross has been named 2024 Forbes Best-In-State Wealth Advisors, developed by Shook Research, is based on the period from 6/30/2022 to 6/30/2023 and was released on 4/3/2024. 42,108 nominations were received, and 8,500 advisors won. Neither Raymond James nor any of its advisors pay a fee in exchange for this award. More: https://bit.ly/43DMgjX. Please see https://www.forbes.com/best-in-state-wealth-advisors for more info.

The 2023 AdvisorHub 200 Fast Growing Advisors to Watch ranking is based on an algorithm of criteria, focused on three key areas: Quality of Practice, Year-Over-Year Growth, and Professionalism & Character. The rankings weigh the scores in Quality and Growth more heavily than other areas. Time period upon which the rating is based is from 1/1/2021 to 12/31/2022 and was released on 6/20/2023. Advisors considered have a minimum of seven years’ experience, a clean regulatory record with 2 or fewer complaints and no significant judgements, must have been with their current firm for at least two years and in good standing, and have at least $100 million in assets under management. Out of 1,246 total nominations received, 200 advisors received the award. This ranking is not based in any way on the individual’s abilities regarding providing investment advice or management. This ranking is not indicative of advisor’s future performance, is not an endorsement, and may not be representative of individual clients’ experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. Raymond James is not affiliated with AdvisorHub.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members.

© 2024 Securities offered through Raymond James Financial Services, Inc., member FINRA · SIPC · Privacy Policy  · Legal Policy

Who We Are

Our Approach to Service

Let's Meet

What We Do

50 Benefits for Clients

Our Process

Financial Roadmap