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What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

 

Thursday, July 20, 2017

The process of reviewing a client’s existing 401k, 403b or other retirement plans that they have accumulated during their working time, have revealed some commonality as far as allocations between stock and bond funds. Most...

 

Tuesday, June 13, 2017

There is a strategy that I would like to discuss that may sound very complicated and potentially have you stop reading this article, but resist that and stick with me because it may be a strategy that could more than double the yield...

 

Monday, May 22, 2017

A week or so ago I had the privilege, for the second time, to visit the floor of the New York Stock Exchange during the trading day. The first time I was there was around 1998 when I traveled with a class of investment management...

 

Thursday, April 13, 2017

Sell in May and go away has been a mantra that has been heard every spring in regard to the stock market. The term was actually born in London’s financial district. The full saying is “Sell in May and go away; come back on...

 

Sunday, March 12, 2017

Couple of weeks ago, I was listening to the financial channel on the radio in my car when the commentator said “the markets have closed a record 13 days in a row into record territory, the last time this happened was in...

 

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Monday, February 27, 2017

Robo-advising has become very popular because of the very low fees typically associated with this automated service. I believe there is some merit and a place for Robo-advising. There are just some concerns that I have regarding Robo...

 

Tuesday, February 14, 2017

Lately, it seems as though many new clients that I meet with have the same worries. That worry is that they do not have enough money to retire when they want, and that their lifestyle will entail quite a bit less than what they have...

 

Tuesday, January 24, 2017

December 2nd 2001 through December 2nd 2011 is known as the lost decade to stock market investors. If you had invested $10,000 dollars in 2001 and did not take profits at any time when they may have been available during that period,...

 

Tuesday, January 17, 2017

401(k) wants Research and studies regarding 401(k) plans and their participation or lack thereof is a topic year after year. But reading some material from KRC research has confirmed information that anyone who is involved with...

 

Tuesday, January 3, 2017

Couple weeks back, I was speaking about little-known fees inside mutual funds. This cash left inside of mutual funds is not for tactical purposes but for mutual fund outflows. This cash creates cash drag that adds to the overall...

 

Tuesday, December 27, 2016

Black swans December 23, 2016 I suppose we have all heard the phrase” black swan event”, which is a metaphor to describe an event that comes as a surprise and has a major effect. Black Swan is derived from the Latin...

 

Wednesday, December 21, 2016

Santa/Trump rally Typically, the month of December brings good things to the equity markets that have been referred to as a “Santa Clause Rally”, but this December we have seen a rally that Santa must share credit with...

 

Tuesday, December 6, 2016

On a very regular basis, I will sit down with a potential new client who brings their account statements into the meeting, which typically are full of managed mutual funds. These mutual funds have an assortment of fees attached to them...

 

Thursday, December 1, 2016

Option contracts represent 100 shares of company stock, Exchange traded funds, or even commodity futures may have these options contracts available. There is a volatility index known as the “VIX”, that increases in value...

 

Thursday, November 17, 2016

Real market returns 11/17/2016 If you have ever put money into a mutual fund and discovered that the proclamation of return did not line up with your real return of dollars, then there could be several reasons. The net return could be...

 

Monday, November 14, 2016

Oh, the drama! last Tuesday night when it was apparent that Donald Trump was going to be the new president, the equity market futures were down about 850 points on the Dow and 100 points on the S&P 500. By the end of trading on...

 

Thursday, October 27, 2016

When I say “Off the Grid” most people probably think of independence from the electric company via solar or the ability to have a self- sustainable food supply with a garden or raising livestock. In other words just living...

 

Thursday, October 20, 2016

Follow the money typically means money leading to criminal activity. In this case what I mean is that currency valuation related to the US dollar usually drives our equity and debt markets inverse to the direction of the dollar. For...

 

Friday, October 14, 2016

Recently I’ve read a few articles that predict how the markets will react after the November presidential elections. Now we all know that nobody knows so I’m in a throw my guess into the pool prognostication. March 9, 2009...

 

Wednesday, October 5, 2016

In 1934 The Roosevelt administration put forth the “New Deal” which included the entitlement we know as Social Security. Originally Social security was not accessible until the age of 65. Now SS can be started at the age of...

 

Monday, September 19, 2016

Going back 21 years ago when I was a broker at Tucker Anthony, some of the product wholesalers would come into our office and show us the attributes of variable annuities. Tax deferral was one of the main selling points however some...

 

Wednesday, September 7, 2016

This spring a new law goes into effect designed by the Department of Labor known as the fiduciary rule. While there are many lawsuits in the making attempting to overturn parts of this rule, no one knows if there will be any changes....

 

Monday, August 29, 2016

There are certain times that I will invoke the use of a fixed index annuity or indexed universal life policy that have a certain crediting strategy that appears to be almost too good to be true. The indexed annuity or the indexed...

 

Monday, August 22, 2016

I first heard it referred to as “socially responsible” investing, then it became impact investing or green and a number of other ways that I want to refer to as principled investing. Speaking with many investors gives me...

 

Monday, August 15, 2016

I recently had client who is bringing more money into his account and ask me how he can get this money to work. This money is really earmarked for equities’ in his portfolio because his fixed income portion, in other words...

 

Monday, August 8, 2016

Any financial advisor, broker or investment advisor will typically try to assess the amount of risk that their client is willing to accept. There are of variety of methods and questionnaires used to attempt to accomplish the risk...

 

Monday, August 1, 2016

Sometimes we hear theories that Wall Street people throw out to get media attention or just to be different. But I recently heard a theory given by a S+P 500 futures trader that I believe deserved a bit of thought. This trader, who is...

 

Monday, July 25, 2016

Whether you use a financial planner, advisor or do it yourself; planning your financial future involves a plan, strategy and tactics to get you where you need to go. So let’s take a moment to think about the difference between...