The game 501 (sometimes also played as 301) is simple. You throw three darts per round and your score starts at 501. Each dart you throw reduces your score by the amount you hit. If you had 486 points to start the round, and your three darts total 26 points, you’ll begin the next round with 460 points. The goal is to get all the way down to exactly 0 as quickly as possible. Now that you know the rules you can start playing the game.

*The following article was contributed by Kevin DeSanto, Managing Director and Co-founder at KippsDeSanto. Launching your own business is one of the most monumental decisions you’ll make in your life. During those years building up the business, negotiating deals, hiring staff, and investing in your growth, you’ve made countless more monumental decisions – sometimes ones that will make or break the company’s success.

Hedge funds, asset classes, benchmarks, alpha…these are all terms that Financial Advisors spew at a disturbing rate in an attempt to sound smart, win your business, and differentiate themselves from all the other standard-issue advisors out there. But confusing you into becoming a client isn’t the way a true partnership should work.

At Monument, we’re tired of financial advisors spewing out jargon and B.S. to the public in an attempt to look smart, sell something, or over-complicate wealth management when people are simply seeking clarity.

We’ve all heard the song… “Breaking up is hard to do”. But when it comes to the care and protection of your family’s wealth, you may just have to rip off the band-aid with your current wealth advisor and know you’ll be better for it in the long term.

As a Private Wealth Advisor, it’s my job to ensure our high-net-worth clients aren’t over-exposed to risk in their portfolios. It’s very easy to get in a position of taking too much risk. For example, a human tendency known as recency bias can drive you to chase higher returns, especially during long bull markets. The problem is, you could be gambling on your future and not even realizing it.

Independent advisors vs wirehouse advisors and bank advisors: How your wealth management experience will be different at Monument

Investors who claim their investment objective is “Growth” aren’t simply asking to increase risk in hopes of more return. What they usually want is to focus on their portfolio’s total return, which is comprised of two pieces: Price return and Income return. For example, if you bought something at $5 and sold it for $13, your price return is $8.