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Plain-English financial education and weekly market insights for real people building wealth, not Wall Street. From Chris Cardinal, a fee-only fiduciary financial planner specializing in equity compensation.

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Substack
PricingFreemiumPublishesTwice weekly
Issues54Founded8 months agoLast Issue4 days ago
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Latest Issues

Cardinal Insights │Weekly Market Update

A 5.24% yield barely fazed stocks this week. The real story: Money fled chips for utilities and staples as leadership changed hands. Week Ending October 10, 2026

This Week's Story

4 days ago
3
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Why You Know Exactly What to Do And Still Haven’t Done It

You know you should be saving more. You know you need a will. You know that credit card should be gone by now. You’ve known for months, maybe years.

And you still haven’t done it.

Here’s the honest answer first: that gap between knowing a...

9 days ago
8

Cardinal Insights │Weekly Market Update

Week Ending October 3, 2026

This Week’s Story

11 days ago
5
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How to Judge a Portfolio: Alpha, Beta, and the Sharpe Ratio

In Part 1, we built a portfolio using the ideas behind Modern Portfolio Theory. Now comes the question that theory sets up but doesn’t answer on its own: once you’ve got a portfolio, how do you tell whether it’s actually any good?

“It went...

15 days ago
2

Cardinal Insights │Weekly Market Update

Meta dropped a bombshell AI agent that lifted tech. Why a market near its highs and a squeezed consumer are the same story. Week Ending September 26, 2026

This Week’s Story

18 days ago
6
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Authors

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  • Chris Cardinal

    Fee-only, fiduciary financial planner in McKinney, TX. I help families, professionals & business owners build wealth, not just manage it. Specializing in equity comp (RSUs, ESPPs, ESOPs). Market insights & plain-English education for real people.

  • Crawford | AWM Financial

    Hi \ud83d\udc4b I’m Crawford, a 19-year-old finance major at UNC Charlotte, SMIF analyst and future financial planner. I write about the power of compounding in your portfolio and more importantly, your habits, through my own experiences (and mistakes!)

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