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Life and the Stock Market Part II

A few weeks ago, I wrote an article titled, "Life and the Stock Market." Then point I wanted to get across is that both life and the stock market are unpredictable. At the time of my last article, the stock market was at or near an all time high. Today, we are dealing...

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Life and the Stock Market

Life and the Stock Market Both life and the stock market can be unpredictable.  Sometimes it seems like everything is going smoothly and the future looks bright, and then something no one could predict happens.  As of today, the markets are looking strong and...

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What a Difference a Year Makes

At the end of 2018 the market was in turmoil. The stock market was down over 19 percent by December 24th from the market highs and there was no end in sight. How did you react to seeing your portfolio shrink? If you felt sick to your stomach and wanted to sell...

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Did You Prepare for Hurricane Dorian?

Did you prepare for Hurricane Dorian? I sure did. I spent hours putting up shutters and bringing anything that could move. I did so because the weather forecasters said our Treasure Coast was going to be hit by the storm. They are experts with years of training,...

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Managing Expectations

How often do you look at your portfolio? We have some clients who look at it everyday and others that only check it quarterly.  Volatile markets tend to make people a little more nervous about how their investments are performing, and we believe it causes them to look...

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Correction or Bear Market?

Is the recent pull back in the market a normal correction or the start of a “Bear Market”? This is a question on the minds of many investors today. Only time will tell, but from the information at hand it does seem to me like a normal correction within a bull market....

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Cash Is an Asset Class

There are times when having cash in your investment account makes more sense than being fully invested.  The amount of cash to have available at any given time varies when it comes to money management.  There are times when being fully invested is appropriate and...

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Buyer Beware of Variable Annuities

Are you thinking of purchasing a Variable Annuity or do you already own one? I would encourage you to do some homework before purchasing one, and if you already own one please have it reviewed and make sure you understand all the moving parts. Why? Annuities have...

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How is your Advisor Compensated?

Do you know how your Financial Advisor is compensated?  When I started in this business 20 years ago, the only way I made money was if one of my clients placed a trade.  I was young and at the time thought that was a normal way of doing business.  This is one of those...

read more

Don’t Get Sold a Product

Can you tell the difference between someone who is trying to sell you something and someone who is trying to provide a service? Financial Advisors are there to provide a service. They should not be selling you on the next best product. This is my opinion obviously and...

read more

Relationships Matter

Relationships Matter I have been in the money management business for over 26 years now. I have cultivated many relationships with clients over that timeframe and learned a great deal from those relationships. Relationships are one of my favorite parts of my job....

Why I am Bullish

Why I Am Bullish Lots of people are concerned about their finances right now. War in Ukraine, high prices at the gas pump, Washington’s dysfunctionality, baby formula shortages, inflation, higher interest rates, and the S&P 500’s fourth-worst start to a year in...

Can You Handle Volatility?

Can you Handle Volatility? The market has been volatile this year.  This is normal.  When the market behaves this way, market commentators like to come up with excuses for the volatility.  There are plenty of newsworthy events taking place.  Russia and Ukraine are at...

Be Fearful When Others are Greedy

“Be fearful when others are greedy and greedy when others are fearful” -Warren Buffett Warren Buffett is my investment hero.  I have studied his career, read scores of books on his investing process, and attended 18 of his annual shareholder meetings. But, I have to...

Even High Earners Can Have a Roth: Backdoor Roth Contributions

The Roth IRA is an incredible wealth-building tool, as you enjoy tax-free growth and tax-free distributions. You can think of Roth assets as tax rate insurance. If tax rates are higher in the future (we think they are likely to be higher), you are protected. But, of...

The Market Can Be Bipolar

I was putting my 3-year-old to bed last night, and of course he did not want to go to sleep but it was his bedtime. 3-year-old children often do not know what they need and sometimes they cannot express what they want. Sometimes everything in life is great for them...

When Was The Last Time?

When was the last time you worried about polio? COVID-19, the novel coronavirus, has swept a path of fear and destruction across our planet.  Our current situation is not as novel as it may seem.  America experienced something similar, though to a lesser extent, with...

Cash Is an Asset Class

There are times when having cash in your investment account makes more sense than being fully invested.  The amount of cash to have available at any given time varies when it comes to money management.  There are times when being fully invested is appropriate and...

Buyer Beware of Variable Annuities

Are you thinking of purchasing a Variable Annuity or do you already own one? I would encourage you to do some homework before purchasing one, and if you already own one please have it reviewed and make sure you understand all the moving parts. Why? Annuities have...

How is your Advisor Compensated?

Do you know how your Financial Advisor is compensated?  When I started in this business 20 years ago, the only way I made money was if one of my clients placed a trade.  I was young and at the time thought that was a normal way of doing business.  This is one of those...

Don’t Get Sold a Product

Can you tell the difference between someone who is trying to sell you something and someone who is trying to provide a service? Financial Advisors are there to provide a service. They should not be selling you on the next best product. This is my opinion obviously and...

Equifax Cyber Security Incident

On September 7, Equifax – one of the largest American credit agencies – announced a data breach by cyber criminals that may affect you.  The criminals gained access to millions of Americans’ personal information, including Social Security numbers, birth dates,...

How much should I be drawing off my investments during Retirement?

You have finally made it to retirement.  You saved your money and now it’s time to take withdrawals to provide an income stream to you during your retirement years.  The question is “how much can I take without depleting my funds before I die?”  This is a dilemma...

The Truth about your Indexed Annuity Bonus

Do you know the saying “If it sounds too good to be true it usually isn’t”?  Upfront bonuses on annuity purchases have been around for a while now, and they probably are not going away anytime soon.  I am here to shed some light on the truth behind the bonus that your...

Volatile Markets create Opportunities

If you read my last article, you would already know that I thought market volatility would increase in October.  Well, it’s happening and now is not the time to panic.  Now is the time to take advantage of opportunities that will increase the overall performance of...

Is this the beginning of a Bear Market?

After the first few days of trading to start 2016, I am sure this question is on the minds of many investors.  The start of 2016 has been less than stellar for the stock market and I am sure it has caused some nervousness in the investment community.  There are many...

Is this the beginning of a Bear Market?

After the first few days of trading to start 2016, I am sure this question is on the minds of many investors.  The start of 2016 has been less than stellar for the stock market and I am sure it has caused some nervousness in the investment community.  There are many...

Volatile Markets create Opportunities

If you read my last article, you would already know that I thought market volatility would increase in October.  Well, it’s happening and now is not the time to panic.  Now is the time to take advantage of opportunities that will increase the overall performance of...

The Truth about your Indexed Annuity Bonus

Do you know the saying “If it sounds too good to be true it usually isn’t”?  Upfront bonuses on annuity purchases have been around for a while now, and they probably are not going away anytime soon.  I am here to shed some light on the truth behind the bonus that your...

How much should I be drawing off my investments during Retirement?

You have finally made it to retirement.  You saved your money and now it’s time to take withdrawals to provide an income stream to you during your retirement years.  The question is “how much can I take without depleting my funds before I die?”  This is a dilemma...

Equifax Cyber Security Incident

On September 7, Equifax – one of the largest American credit agencies – announced a data breach by cyber criminals that may affect you.  The criminals gained access to millions of Americans’ personal information, including Social Security numbers, birth dates,...

Don’t Get Sold a Product

Can you tell the difference between someone who is trying to sell you something and someone who is trying to provide a service? Financial Advisors are there to provide a service. They should not be selling you on the next best product. This is my opinion obviously and...

How is your Advisor Compensated?

Do you know how your Financial Advisor is compensated?  When I started in this business 20 years ago, the only way I made money was if one of my clients placed a trade.  I was young and at the time thought that was a normal way of doing business.  This is one of those...

Buyer Beware of Variable Annuities

Are you thinking of purchasing a Variable Annuity or do you already own one? I would encourage you to do some homework before purchasing one, and if you already own one please have it reviewed and make sure you understand all the moving parts. Why? Annuities have...

Cash Is an Asset Class

There are times when having cash in your investment account makes more sense than being fully invested.  The amount of cash to have available at any given time varies when it comes to money management.  There are times when being fully invested is appropriate and...

When Was The Last Time?

When was the last time you worried about polio? COVID-19, the novel coronavirus, has swept a path of fear and destruction across our planet.  Our current situation is not as novel as it may seem.  America experienced something similar, though to a lesser extent, with...

The Market Can Be Bipolar

I was putting my 3-year-old to bed last night, and of course he did not want to go to sleep but it was his bedtime. 3-year-old children often do not know what they need and sometimes they cannot express what they want. Sometimes everything in life is great for them...

Even High Earners Can Have a Roth: Backdoor Roth Contributions

The Roth IRA is an incredible wealth-building tool, as you enjoy tax-free growth and tax-free distributions. You can think of Roth assets as tax rate insurance. If tax rates are higher in the future (we think they are likely to be higher), you are protected. But, of...

Be Fearful When Others are Greedy

“Be fearful when others are greedy and greedy when others are fearful” -Warren Buffett Warren Buffett is my investment hero.  I have studied his career, read scores of books on his investing process, and attended 18 of his annual shareholder meetings. But, I have to...

Can You Handle Volatility?

Can you Handle Volatility? The market has been volatile this year.  This is normal.  When the market behaves this way, market commentators like to come up with excuses for the volatility.  There are plenty of newsworthy events taking place.  Russia and Ukraine are at...

Why I am Bullish

Why I Am Bullish Lots of people are concerned about their finances right now. War in Ukraine, high prices at the gas pump, Washington’s dysfunctionality, baby formula shortages, inflation, higher interest rates, and the S&P 500’s fourth-worst start to a year in...

Relationships Matter

Relationships Matter I have been in the money management business for over 26 years now. I have cultivated many relationships with clients over that timeframe and learned a great deal from those relationships. Relationships are one of my favorite parts of my job....

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