Insights & Observations Blog

Insights & Observations

Context and perspective to improve behavioral  finance patterns and  make smarter financial decisions. A focus above the fray, on what matters most for effective financial outcomes and goal achievement.

  • ★ Featured blog post

    2 strategies to reduce taxes that you may not have considered

    With high incomes and appreciated portfolios, many of our clients around the Bay Area seek relief from paying a large sum to Uncle Sam.  Identifying tax minimization opportunities can be difficult as your income and account balances increase; however, there are a few ways you can keep more of what you make.  Here are two […]

    ★ Featured blog post

    The 3 flavors of fiduciaries for retirement plans

    After the rise and fall of the Department of Labor’s “fiduciary rule,” followed by the Securities and Exchange Commission’s recent release of the Regulation Best Interest rule, many retirement plan sponsors are now familiar with the term “fiduciary.”  A fiduciary duty is the highest standard of care under the law.  Fiduciaries to an ERISA-qualified plan are […]

    ★ Featured blog post

    3 reasons owners should invest outside of their business

    How do many business owners continue to grow and manage their businesses?  They reinvest company profits back into the business. As financial advisors to many business owners, we have learned from experience how important it is to strike the right balance between your company assets and some diversified investments outside of your business. While it […]

    ★ Featured blog post

    But why a bun?

    Years ago, a fast food chain ran a catchy ad campaign featuring a focus group of meat and cheese lovers.  In the commercial, the presenter describes the companies new burger, and one of the test subjects responds “I like the meat and cheese part, but why a bun?” As investors, if we consider domestic stocks to be […]

    ★ Featured blog post

    Q1-2017 Quarterly Context Webinar

    What led to the positive returns in Q1? Should you expect an increase in market volatility? How much value does regular rebalancing add? View the Q1 Quarterly Context webinar recording for more insight.

    ★ Featured blog post

    Are you on the right financial path?

    After an 8-year bull market and new political uncertainty, should you be more concerned about volatility risk?

    ★ Featured blog post

    Q4-2016 Quarterly Context Webinar

    What’s riskier… gambling or investing? Do political parties or the Fed have a bigger impact on markets? View the webinar recording for more insight.

    ★ Featured blog post

    Periodic table of unpredictable returns

    Are there clear patterns of investment market returns over time? How does a “balanced” global portfolio compare to individual asset classes over the last 20 years?

    ★ Featured blog post

    Markets do fine over time… but many investors don’t

    As the year turns, investors are bombarded with predictions about what 2017 may hold. Soothsayers will suggest strategies to avoid the next crisis or how not to miss the next great opportunity.

    ★ Featured blog post

    Q4-2016 Market Review

    The new US president is inheriting one of the strongest economies that has been handed to a new President in recent history (based on 3Q GDP). Since the 1970’s, only George H.W. Bush and Jimmy Carter assumed the office with higher GDP growth rates.

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