Blog

Goodbye Old Retirement Assumptions

March 22, 2018 11:00 am

Based on a 2017 Retirement Confidence Survey by EBRI, only 18% of American workers feel very confident that they will have enough money to live comfortably in retirement. With this in mind, there are numerous demographic and social changes, such as greater longevity and improvements to technology, that are fundamentally changing the ways people live after they complete their primary... View Article

Mind Over Model in Factor Investing

March 1, 2018 2:00 pm

Checking the weather? Guess what—you’re using a model. While models can be useful for gaining insights that can help us make good decisions, they are inherently incomplete simplifications of reality. In this short entry, we discuss these considerations when it comes to factor investing. In investing, factor models have been a frequent topic of discussion. Often marketed as smart beta... View Article

Crystal Balls and Investor Behavior in 2018

January 18, 2018 9:00 am

As 2018 began, the major U.S. stock market indexes surged to yet another round of record highs. The first week of January saw the Nasdaq index top 7,000, the S&P 500 index clear the 2,700 mark, and the Dow Jones Industrial Average hit 25,000. Following this recent performance, some may ask what role investor behavior has had on portfolio returns.... View Article

Financial Planning and Tax Reform

January 11, 2018 8:00 am

The 2018 TAX CUTS AND JOBS ACT As most of us know, on January 1st, 2018 a not so “simple” tax reform went into effect. We recommend in order to get the most benefit from the changes, while avoiding mistakes under them, you may need to update your tax and financial strategies right away. Here are some FAQs to help... View Article

Bitcoin, Blockchain, and Investor Discipline

December 15, 2017 8:00 am

As the author of this blog, and regardless of opinion, in full disclosure I feel its important to disclose that I do not own any Bitcoin in my portfolio. However, I do see the growing innovation in blockchain technology as something to keep a close eye on in the future. **** Bitcoin and other cryptocurrencies are receiving intense media coverage,... View Article

2017 Income and Capital Gain Distributions

December 7, 2017 12:00 pm

Unfortunately for many, 2017 will not be as tax-friendly of a year with several widely held funds already reporting estimates far north of our numbers. As we know from different economic cycles across both bull and bear markets, the tax implications from capital gains can vary dramatically and its important to position yourself in the best possibly manner. The following... View Article

Understanding a Roth IRA Conversion

November 2, 2017 9:00 am

With the lure of tax-free distributions, Roth IRAs have become increasingly popular retirement savings vehicles. According to the 2016 Investment Company Fact Book, 20 million U.S. households (about 16.3%) owned Roth IRAs in 2015. With expected tax law changes around the corner and a large amount of the population continuing to retire, Roth IRA conversions may be a strategy that... View Article

Is the Stock Market in Another Bubble?

October 12, 2017 9:00 am

Of all the questions we field from clients, prospects, friends and family – the question of whether we are in a bubble leads the way by far. There are two reasons why this question comes up so frequently these days. First, we are in the midst of a long-running bull market, one that has seen the major market indexes push... View Article

Asset Allocation for the Next Crisis

September 20, 2017 9:00 am

It will soon be the 10-year anniversary of when, in early October 2007, the S&P 500 Index hit what was its highest point before losing more than half its value over the next year and a half during the global financial crisis. Over the coming weeks and months, as other anniversaries of major crisis-related events pass (for example, 10 years... View Article

Financial Planning 101: Quit Monkeying Around With Investments

August 17, 2017 11:00 am

In the world of investment management, there is often discussion around the idea that blindfolded monkeys throwing darts at pages of stock listings can select portfolios that will do just as well, if not better, than both the market and the average portfolio constructed by professional money managers. If this is true, why might it be the case? THE DART... View Article