Are you part of the 58% not receiving 401(k) advice?

A few years back, Charles Schwab released a study entitled, “The New Rules of Engagement for 401(k) Success.”  70% of the survey respondents said their 401(k) is their only or primary source of retirement savings.  However, only 42% reported having received professional financial advice in the past two years. Schwab’s analysis found that the use [...]

December 13th, 2011|

Market Commentary: Week Ending 12-09-11

Global markets bounced around pretty good last week while waiting to receive the “all clear” signal from Europe that never came.  As has been for weeks now, headlines in Europe are driving the markets; so much so that I’m struggling to come up with something new to say each week!  In light of my writer’s [...]

December 13th, 2011|

Active or Passive?

Just the facts… This has been the raging debate for decades: Should one use actively managed funds or passive index funds (the vast majority of ETFs are index funds)?  Both sides have made fair arguments over the years, but in the end, most advisors and individual investors fall on one side of the fence or [...]

October 11th, 2011|

How have our clients avoided the recent stock market losses?

The markets have certainly been frightening over the past couple weeks.  As such, I have been receiving many “thank you” emails and phone calls from clients for selling before the market sell-off last Thursday.  Several of you have spoken of friends and relatives who are anxious about their current advisors strategy (and likely for good [...]

August 10th, 2011|

Response to MSN/Barron’s Article: Investments for Generating Income

MSN posted an article today on their homepage from Barron's titled, "Investments for Generating Income."  The article discussed investments they recommend based on how best to generate income in this economy.  As a fee-only investment advisor, I always read what other people post and was curious to see how valid their information was as soon as [...]

July 14th, 2011|

Post June 2011

While many American families celebrated the official beginning of summer, those of us charged with maintaining their portfolios were hanging on the news each day as it was released. It was a rocky go, and while the month may have ended (finally), we still have much to watch as the events of June 2011 play [...]

July 12th, 2011|

The Cost of Poor Investment Timing

Do you know how much buying and selling your investments at the wrong time can cost you?  According to Morningstar, stock funds returned 1.6% annually from 1999-2009.  However, the typical fund investor only earned 0.22% annually.  If you had an account balance of $100,000, that would equate to costing you $15,000.  So what should investors [...]

June 13th, 2011|

The Emotional Investor

I like to keep in-mind the beginning of Rudyard Kipling’s famous poem ‘If’ as I lead investors through weeks like last week:  “If you can keep your head when all about you are losing theirs and blaming it on you, if you can trust yourself when all men doubt you, but make allowance for their [...]

May 11th, 2011|

1st Quarter Investment Review – The Dangers of Bond Investing in 2011

The 1st Quarter in 2011 saw many of the markets continue their upward momentum from 2010.  Below are the returns for some of the popular indices as of 3/31/11: Total Returns % 1Q Dow Jones Industrial Average +6.41% NASDAQ Composite +4.83% S&P 500 Index +5.42% Russell 2000 +7.64% U.S. Aggregate Bond Index -0.59% MSCI All [...]

April 4th, 2011|

How to Invest in Emerging Markets Without Investing in Emerging Market Stocks

There are many approaches to gaining exposure to an investment area of interest.  A common, often over-looked or under-utilized approach is through the backdoor.  As an example, people that want to ride the Apple computer company tidal wave could invest in the companies that supply the “guts” of Apple’s products.  Or, investors that want exposure [...]

March 2nd, 2011|