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Insights



Tune Out the Noise

There’s a reason that investors tend to only hear about “looming” market doom or “imminent” market growth. While many news outlets have an incentive to draw viewer attention with wildly bullish or bearish predictions, these sensationalized views may be a distraction to a sound investment approach. When tempted to make a radical change to your investment portfolio based on these headlines, it is important to recall some basic fundamentals to keep your plan on track. Tune out the noise: “Markets
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Election Year Politics and Stock Market Forecasts

A recent New York Times article discussed the stock market impact of Joe Biden winning the 2020 presidential election. The article quoted Lori Calvasina, head of US equity strategy at RBC Capital Markets, who said “The market is starting to worry that Trump will not be re-elected. Trump is consistently viewed as a positive for the stock market.” Before you make changes to your portfolio as a result of these predictions, consider the following three points: 1. Markets have already
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Investing is Simple, but Not Easy

The academic literature on investing is filled with hundreds of anomalies. My own view is that the greatest anomaly of them all is that while investors idolize Warren Buffett, the “Oracle of Omaha”, so many not only tend to ignore his advice but often do the exact opposite. Consider the following advice he has offered on trying to time the market: – In his 1991 annual letter to shareholders, Buffett advised: “ We continue to make more money when snoring
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June Planning Items

Protect your Family with an up to date and complete Estate Plan You’ve packed sunblock and a beach novel. You’ve planned your itinerary and bought plane tickets. But have you ensured that your estate plan is up to date? Don’t leave home without making sure your financial health and the future of your loved ones is provided for. It’s even more crucial than getting a pet sitter and locking the front door. Creating an Estate Plan If you don’t have
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6 Steps to Help Protect a Loved One from Financial Elder Abuse

Financial elder abuse – defined by the National Committee for the Prevention of Financial Elder Abuse as the illegal or improper use of an elder person’s funds, property or resources – can take numerous forms and will cost seniors billions of dollars each year. Its impact on an elder person’s emotional, physical and financial health – and thus longevity – can be significant and long-lasting. To help protect an aging loved in your life, consider starting on the following six
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The Bumpy Road to the Market’s Long-Term Average

Since 1926, the US stock market has rewarded investors with an average annual return of about 10%. But it’s important to remember that returns in any given year may be sky-high, extremely poor, or somewhere in between. Annual returns came within two percentage points of the market’s long-term average of 10% in just six of the past 94 years. Yearly returns have ranged as high as up 54% and as low as down 43%. Since 1926, annual returns have been
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May Planning Action Items

With travel plans and home events gearing up in the summer months, May is a great time to review your emergency savings and property casualty policies to ensure you’re properly protecting your assets. Emergency Savings – The more you earn, the higher your expenses, and the more important this key account becomes in protecting your wealth. Set aside in a specifically designated savings account enough cash to cover a minimum of 6 – 12 months worth of expenses. Obviously, in
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April Planning Action Items

Stuff to Do While Quarantined: Clean Up Expenses and Financial Records “When we throw out the physical clutter, we clear our minds. When we throw out the mental clutter, we clear our souls.” –Gail Blanke I get it. We’re all scared. Something is happening that we’ve never experienced before. One thing that might help is to distract yourself while doing something productive. It’s easy to get frozen by news reports and fear. See if this helps get your mind on
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What Do You Do When Markets Are Down? Build Wealth!

It never feels great to see the stock market drop, especially by a lot, and then watch as your portfolio’s value falls with it. Fear, frustration, anger, anxiety, helplessness – each is a totally understandable and even appropriate response. But all circumstances, no matter what part of life they touch, come with context. And nothing about the context surrounding current market events happens to change what you can and cannot control. At an elemental level, for instance, we have no
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The State of the Economy and Coronavirus

Given the volatility in the financial markets beginning the week of February 20, 2020, it’s helpful to review the state of the U.S. economy entering into this stressful period, what’s happened since, and some of the potential economic impacts. Here is our take on those topics. At the beginning of 2020, the U.S. economy was in very strong shape, with unemployment falling and the labor force participation rate and wages rising. Compared to 2008-09, this is not a financial crisis
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