Insights & Observations

Stay Informed

You’re busy creating your own success; to help you stay informed, we share our insights and observations regularly through our blog. Whether you want to secure your personal wealth, improve the lives of your employees or elevate your impact in your community, we invite you to read the topics that matter most to you.

  • Market volatility: breathe deeply and don’t do a thing

    Given the recent increase in market volatility, we thought you might find the article below to be helpful.

    Reality of red numbers

    What’s your guess as to how many months the stock market declines or rises each year? And in bad vs. good markets?

    Simple vs. Simplistic

    Most people want to help keep their investment planning and lives simple, but they don’t want their strategic planning or investment portfolios to be simplistic. This is a critical distinction understood by the savvy consumer. To us, “simple” means “easy and helpful” for our clients. Simplicity occurs for our clients as a result of our… [Read More]

    Buyer re-beware – proposed “fiduciary rule” to protect investor has big gaps

    In a perfect world, all consumers of financial guidance and products would receive non-conflicted advice, because biased “advice” causes serious economic damage. A White House Council of Economic Advisers analysis estimates that conflicts of interest shrinks affected investor accounts by about 1% per year, totaling about $17 billion annually. Cumulatively, a 1% haircut hurts many… [Read More]

    Doctrine of the Mean

    Another year behind us and ahead of us. As 2014 started, many expected that inflation and interest rates would rise back towards more normal levels. Instead, rates stayed low, helping extended the US stock market rally. International stock markets have been slower to find their footing after the global financial crisis and are now adopting… [Read More]

    You choose: fiduciary vs. suitability standards of care

    There are two very different standards of care, when it comes to financial professionals: “Fiduciary” (registered investment advisors, regulated by the SEC) and “suitability” (brokers, “self-regulated”). Below is a combination of re-organized Washington Post excerpts that summarize it well: Fiduciaries have a much stricter duty and legal obligation than do those who operate under suitability… [Read More]

    So you think you’re a risk-taker?

    Nothing is more important for investors than learning how much they can stand to lose. But nothing is harder to learn—before it’s too late. http://blogs.wsj.com/moneybeat/2014/10/24/so-you-think-youre-a-risk-taker/

    Will a stock market correction derail your goal?

    With markets hovering around all-time highs in recent months and the global financial crisis still a lingering memory, it is understandable that the recent increase in volatility might test the average investor’s nerves.

    2014 Q3 Quarterly Context Webinar

    View our quarterly video on markets, the economy and investor behavior patterns… Information without information overload, as context for making better long-term investment decisions, and becoming an increasingly sophisticated investor. 2014-Q3 Quarterly Context Webinar

    Reality of red numbers

    What’s your guess as to how many months the stock market declines or rises each year?  And in bad vs. good markets?  Our yearly update of “The Reality of Red Numbers” shows you, and illustrates that market volatility is often a reasonable price to pay as part of a diversified portfolio, to help capture long-term positive… [Read More]

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