Major Financial Risks We Monitor
Major financial risks we watch for our clients include: Outliving your savings Losing your savings to market risk Overpaying for taxes Being too conservative or too aggressive Not investing at…
A Generational Opportunity
Last chance in a generation? The U.S. has a long history of embracing immigrants. These immigrants are generally self-selected for success. These immigrants take major risks leaving their homeland and…
FDIC-Backed Structured CDs
We continuously search for investments that are safe, have good growth prospects, and are priced right. The newest generation of FDIC insured Structured CDs meet our standards. These CDs add…
Energy Shift & Pipeline Plays
A lot has been said about falling gas prices acting in the same manner as a tax cut. This extra money will probably be spent by consumers and help the…
Deflation, Depression & Inflation
Dear Friends and Family, DEFLATION is a decrease in the general price level of goods and services. Sorry this is not about football. Deflations, defeat, default, are all “de” words…
Financial Health Checklist
Dear Friends and Family, Happy New Year! With the New Year come resolutions. While most people are committing to working out to get healthy, we also encourage everyone to manage…
Inflation vs. Deflation
Dear Friends and Family, There’s been a lot of discussion lately around inflation and deflation. Here’s our quick take: Deflation hurts debtors — their debts grow relative to shrinking assets.…
Year-End Moves & Market Calm
Dear Friends and Family, As the year wraps up, here are a few smart steps to consider: Complete your RMD if you’re 70½ or older. Harvest gains/losses where appropriate. Max…
Buffett Wisdom & Market Calm
Dear Friends and Family, Below are three thoughts based on Warren Buffett’s advice over the years in his shareholder letters for Berkshire Hathaway: Buy companies, not stock certificates or lottery…
Volatility, Discipline & Outlook
Dear Friends and Family, The market is always testing investors’ resolve. Volatility has returned, but history tells us that discipline — not prediction — drives long-term results. Our approach remains…
Ignore Volatility, Focus on Fundamentals
Dear Friends and Family, Volatility is one of the drivers of poor investment returns — if and only if you pay attention to it. Studies show that ignoring volatility is…
Gifting, RMDs & Holiday Wishes
Dear Friends and Family, We hope you had a wonderful Thanksgiving. As the year closes, please keep the following in mind: Make personal and charitable gifts early to ensure completion…