Friday, May 30, 2025

Winter Whispers

Pointed, brilliant drifts of snow

pierce the evening of winter.

Curving upward they arch

to a luminous, cyclopean moon.

A guest, humble, I stand here

beneath flickers in northern skies.

Icy grains atop snow drifts, 

move obediently for winter gusts.

One drift releases grains to its neighbor.

Tumbling crystals, indifferent, brush sodden drifts.

A rabbit stops to listen.

Paul Krapf image adapted



The Overpriced Fiduciary. Revisiting How We Pay for Financial Advice (first published 3/20/2026 on Substack)

  The Overpriced Fiduciary. Revisiting How We Pay for Financial Advice The practice of paying a financial advisor a percentage of assets...