To Taper or Not to Taper – July Market Commentary

There was no place to hide in June regardless of whether you were invested in equities, fixed income, or commodities.  While we were getting close to correction territory (10% loss or greater) in equities after Ben Bernanke hinted at ‘tapering’ the FED bond purchases as soon as September, the markets quickly rebounded after several FED [...]

July 18th, 2013|

Who Needs Disability Insurance?

When meeting with prospective clients about putting together a comprehensive financial plan, one of the biggest items missing is disability insurance. Did you know that 1 in 3 people between the ages of 35-65 will face a disability and be unable to work for 90 days or longer? And the average length of a disability [...]

July 18th, 2013|

Market Commentary: Fed Stimulus Coming to an End?

With the rising stock market, we are seeing rising interest rates as the 10-year US Treasury note has moved from 1.64% in the beginning of May, to 2.15% at the end of May. It is important to keep the inverse relationship between the value of bonds and interest rates in mind. This means that as [...]

June 12th, 2013|

May Market Commentary: Why We Remain Cautious

The markets continued their climb higher last month, with the exception of the Russell 2000 which consists of small-cap companies. However, economic data points continue to show weakness. Below is a chart showing the economic data that was released the last week of April, as well as a column indicating whether the data was positive [...]

May 16th, 2013|

Market Correction and Childbirth… You’re in Good Hands

Now that my wife is almost nine months pregnant (due May 23rd) with our third daughter, we’ve been reminiscing about the last time we were at the hospital for the birth of our second daughter, Alexis.  Some of you may remember that day, too, because you were likely watching one of the cable news stations [...]

April 17th, 2013|

Current Market Perspective: We’ve Seen this Before

Sys·tem·ic According to the website Wikipedia, systemic refers to something that is spread throughout, system-wide, affecting a group or system such as a body, economy, market or society as a whole. Since the financial crisis began in 2008, many politicians, technocrats, media commentators and the like have denied that there are systemic problems in the [...]

April 17th, 2013|

Why We’re Still Bullish on Gold

This past week has been a good reminder of how volatile precious metals can be.  For that very reason, I choose not to buy and sell based on the 200-day EMA like I do with equity investments.  When the precious metals market rebounds, it can shoot up just as quickly as it came down, making [...]

April 17th, 2013|

Market/Economic Perspective: Then (2007) vs. Now (2013)

In case you didn’t pick-up a newspaper or turn on the TV in the past 24 hours, the Dow Jones reached a record high yesterday and closed at 14,253.77. The prior closing high of 14,464 was set on October 9, 2007. poor credit loans unsecured While we are all for new highs in the markets, [...]

March 6th, 2013|

February Market Commentary: Market Correction on the Horizon?

January saw Congress vote to kick the debt ceiling can down the road for a few more months.  This means that there is now a temporary suspension of the debt ceiling until May 19th.  The bill, known as the ‘No Budget No Pay Act of 2013’ directs both parts of Congress to adopt a budget [...]

February 14th, 2013|

Affordable Debt Relief Coaching

One of the most common New Year’s resolutions people make is to gain better control of their finances and get out of debt.  Starting in January 2013, Chladek Wealth Management is excited to announce a new service that can help move you towards financial freedom and peace of mind! In conjunction with an online home [...]

January 8th, 2013|