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.

  • Q120 Quarterly Context Video

    How did coronavirus affect the markets as a wet blanket? How does the coronavirus stock market compare to another virus period? What’s next? Big government rescue packages. What caused the 1-year numbers to be only mildly negative? Why was the broad bond market also negative in March? What should you focus on now? The virus… [Read More]

    Drawing from experience to navigate uncertainty

    Every quarter we send a letter to our clients to set context around recent market activity.  This quarter, we are posting our letter here since it offers some reminders about how our experience and contingency planning get us through difficult times that we feel may benefit everyone.  These past several weeks have reminded us that… [Read More]

    Volatility, Optimism, and Q1 Market Details

    There’s no question we’re all living in unsettled times. Global citizens and the world economy are under stress, and uncertainty is heightened in all aspects of our lives. People are worried about their health, and that of family, friends, neighbors. Some have temporarily or permanently lost jobs or taken a hit to their income. Leaders… [Read More]

    Q419 Quarterly Context Video

    What should you be training your brain to do now, given the longest bull-market ever? What are people doing with their better physical state later in life? Where are we in the business cycle now? What is the “Fed pivot” and how are market returns projections changing for the next 10 years? What does “growth… [Read More]

    Q219 Quarterly Context Video

    Where are we in the business cycle? The stock market continues upward, but the bond market shows nervousness. Are stocks fairly valued or leaning over-valued? What positive returns are required when different levels of negative returns occur? Is that a quilt or the shapes of the stock market by size and number? 401k plan design… [Read More]

    What it means to be a fiduciary advisor

    You may have read about the controversy over the fiduciary standard in the investment advisory industry. The SEC recently passed legislation that brought this charged issue back into the spotlight.  We want to share a short overview of what has transpired to help make sense of what you see in the media. As a Registered… [Read More]

    Q119 Quarterly Context Video

    What stage is the US and other countries in the business cycle? Very different results for managed portfolios vs. do-it-yourself investors. The happiness equation is helpful: Happiness ≥ Perception – Expectations. An “inverted” yield curve often precedes a recession… how about this time? 10-year birthday of the post-Global Financial Crisis “bull” stock market. Hot Q1… [Read More]

    The happiness equation

    It is sometimes said that “money can’t buy happiness.” While this is true in a literal sense, and there is some debate about the subject in a figurative sense, one thing we know with certainty is that there is a link between emotions and money.  Emotions can have a significant impact on investment success, and… [Read More]

    The 3 critical agreements business owners need to protect their personal finances

    When you own a business, you appreciate just how much your personal financial life is tied to your business.  What you may not realize is how much your personal financial wellbeing is intertwined with your partners or other owners in your business.  If you own a mature, successful business, and you’re seriously looking at your… [Read More]

    When boring is good

    When the stock markets have long periods of positive returns, as they have had for most of the past decade, it can be easy to forget how a bear market feels to an investor.  The last quarter of 2018 provided a vivid reminder. Large market swings and precipitous drops can unnerve even the most experienced… [Read More]

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