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Volatile Markets create Opportunities

by Jay Chapman | Oct 13, 2016 | The Ship's Wheel

If you read my last article, you would already know that I thought market volatility would increase in October.Â Well, itâ€™s happening and now is not the time to panic.Â Now is the time to take advantage of opportunities that...

Is this the beginning of a Bear Market?

by Jay Chapman | Jan 7, 2016 | The Ship's Wheel

After the first few days of trading to start 2016, I am sure this question is on the minds of many investors.Â 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...

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Financial Advice As We Get Older

by Jay Chapman | December 5, 2025 | The Ship's Wheel | 0 Comments

Sacrificial Lamb

by Jay Chapman | January 30, 2023 | The Ship's Wheel | 0 Comments

I took Latin in high school to satisfy my foreign language requirement, choosing it because I was interested in mythology taught in the class. I found the stories fascinating. One thing we learned about was haruspicy (huh-ruhs-puh-see). Haruspicy...

Gilligan’s Island

by Jay Chapman | December 19, 2022 | The Ship's Wheel | 0 Comments

We hope you had a happy Thanksgiving full of friends, family, and fun. The stock market is down so far in 2022, so many people are assessing their portfolios. A good way to do this is through the Gilligan's Island test, named after the 1960s TV show where a shipwreck...

Bigger Is Not Always Better

by Jay Chapman | December 13, 2022 | The Ship's Wheel | 0 Comments

A prospective client called the other day, concerned about the lack of attention from her current Financial Advisor. I asked her a few questions and realized why this was happening. It made me think that her situation was no different than many of yours. Her...

Inflation Reduction Act of 2022

by Jay Chapman | December 9, 2022 | The Ship's Wheel | 0 Comments

Jay and I have reviewed the Inflation Reduction Act. So, how might the Inflation Reduction Act affect you? Most likely, not much. There have been some scary headlines about thousands of new IRS agents being hired. I am not a fan of the IRS, but I am a fan of my...

Getting Comfortable with Market Discomfort

by Jay Chapman | September 2, 2022 | The Ship's Wheel | 0 Comments

My family and I just returned from an incredible experience in Greece and Turkey. It was the first real international experience for my kids (Finn - 14 years old and Ella - 7 years old). Greece felt comfortable. Everyone spoke at least some English, the street...

Relationships Matter

by Jay Chapman | July 15, 2022 | The Ship's Wheel | 0 Comments

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

by Jay Chapman | July 15, 2022 | The Ship's Wheel | 0 Comments

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...

Can You Handle Volatility?

by Jay Chapman | July 7, 2022 | The Ship's Wheel | 0 Comments

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

by Jay Chapman | July 7, 2022 | The Ship's Wheel | 0 Comments

"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...

Even High Earners Can Have a Roth: Backdoor Roth Contributions

by Jay Chapman | September 14, 2021 | The Ship's Wheel | 0 Comments

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....

The Market Can Be Bipolar

by Jay Chapman | August 3, 2020 | The Ship's Wheel | 0 Comments

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?

by Jay Chapman | April 16, 2020 | The Ship's Wheel | 0 Comments

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...

Cash Is an Asset Class

by Jay Chapman | November 8, 2017 | The Ship's Wheel | 0 Comments

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

Buyer Beware of Variable Annuities

by Jay Chapman | October 23, 2017 | The Ship's Wheel | 0 Comments

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?

by Jay Chapman | October 22, 2017 | The Ship's Wheel | 0 Comments

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

Don’t Get Sold a Product

by Jay Chapman | October 19, 2017 | The Ship's Wheel | 0 Comments

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

by Jay Chapman | September 14, 2017 | The Ship's Wheel | 0 Comments

On September 7, Equifax â€“ one of the largest American credit agencies â€“ announced a data breach by cyber criminals that may affect you.Â The criminals gained access to millions of Americansâ€™ personal...

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

by Jay Chapman | September 12, 2017 | The Ship's Wheel | 0 Comments

You have finally made it to retirement.Â You saved your money and now itâ€™s time to take withdrawals to provide an income stream to you during your retirement years.Â The question is â€œhow much can I take...

The Truth about your Indexed Annuity Bonus

by Jay Chapman | June 20, 2017 | The Ship's Wheel | 0 Comments

Do you know the saying â€œIf it sounds too good to be true it usually isnâ€™tâ€?Â Upfront bonuses on annuity purchases have been around for a while now, and they probably are not going away anytime...