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Total: 46 results found.

Demystifying Investment Jargon: What Is Correlation?

Created on Wednesday, 27 June 2018. Posted in Content/our blog

... Similarly, your investment portfolio is best built from a global “team” of distinct factors, or sources of returns. A winning approach combines quality components that exhibit weak or no correlation among ...

Eight Tips for Navigating Market Downturns

Created on Monday, 02 April 2018. Posted in Content/our blog

... complicated, however, so it's best done in alliance with a financial professional who is well-versed in navigating the challenges involved. 8. Talk to us. We expect that sooner or later, markets will ...

Is it Time to Rebalance Your Portfolio?

Created on Thursday, 01 March 2018. Posted in Content/our blog

... fees and potential tax liabilities. To achieve a reasonable middle ground, it's best to have guidelines for when and how to cost-effectively rebalance. If you'd like to know more, we're happy to discuss ...

2018 Financial Best Practices

Created on Monday, 29 January 2018. Posted in Content/our blog

Apply These Financial Best Practices To Ring In a Prosperous New Year Happy New Year! You're off and running into a brand new year, full of hopes and promises to make this one even better than last. ...

ABCs of Behavioral Biases: The Last Word

Created on Thursday, 28 December 2017. Posted in Content/our blog

... the many ways this single statement can play out, and how often our survival-mode brains trick us into making financial calls that foil our own best interests. Even once you're familiar with the behavioral ...

ABCs of Behavioral Biases: O to T

Created on Thursday, 28 December 2017. Posted in Content/our blog

... as greed, confirmation bias and familiarity bias), overconfidence fools us into thinking we can consistently beat the market by being smarter or luckier than average. In reality, it's best to be brutally ...

ABCs of Behavioral Biases: H to O

Created on Tuesday, 28 November 2017. Posted in Content/our blog

... common bias. Hindsight bias can help us assume a more comforting, upbeat outlook in life. It is hazardous to investors, though, because your best financial decisions come from realistic assessments ...

ABCs of Behavioral Biases: F to H

Created on Tuesday, 28 November 2017. Posted in Content/our blog

Welcome back to our alphabetic tour of common behavioral biases that distract otherwise rational investors from making best choices about their wealth. In this edition, we will tackle Fear, Framing, Greed ...

ABCs of Behavioral Biases: A to F

Created on Thursday, 26 October 2017. Posted in Content/our blog

... Evidence-based investing informs us, the best time to sell a holding is when it's no longer serving your ideal total portfolio, as prescribed by your investment plans. What you paid is irrelevant to that ...

The ABCs of Behavioral Biases

Created on Wednesday, 25 October 2017. Posted in Content/our blog

... in recent winners and abandoning recent losers. Favoring emotions over evidence – disregarding decades of evidence-based advice on investment best practices. What can we do about them? In this ...

Market Correction

Created on Wednesday, 20 September 2017. Posted in Content/our blog

... scary markets can actually be your friend. Some of your best returns are delivered in their immediate aftermath and, as Buffett suggests, there may be some "bargain" buying opportunities. But, you have ...

Evidence-Based Investors Approach Investing Differently

Created on Monday, 31 July 2017. Posted in Content/our blog

... down to is that evidence-based investing is a highly disciplined approach that draws on the best evidence available to help you design and build your portfolio. We’re not interested in the latest fads ...

Retirement Savings: A Little Goes a Long Way

Created on Wednesday, 07 June 2017. Posted in Content/our blog

... retirement plan, if you have one. It’s best to contribute the maximum percentage your plan allows, but you should at least contribute enough to take advantage of the company match, if applicable. The maximum ...

Preparing for RMDs—What You Need to Know

Created on Thursday, 18 May 2017. Posted in Content/our blog

... or 403(b)s don’t allow this. It might make sense to consolidate all your accounts into an IRA to make things more manageable, but it depends on your individual circumstances. So, it’s best to consult ...

Dissecting the Robo-advisor Trend: Do I Still Need a Human Advisor?

Created on Wednesday, 15 March 2017. Posted in Content/our blog

... are ill-equipped to deal with. Computers are good at many things, but the nuances involved in complicated financial matters are best left to a human being. At Align, we believe robo-advisors have a ...

Get Ready…Get Set…Wealth Transfer

Created on Tuesday, 14 February 2017. Posted in Content/our blog

... challenges associated with intergenerational wealth transfer. We work closely with you to help you make the best decisions for you and your heirs. Please don’t hesitate to get in touch with us so we can ...

Investing Resolutions for 2017

Created on Tuesday, 13 December 2016. Posted in Content/our blog

... long-term investors, the best course of action is to stay the course. Invest your extra cash Three-quarters of companies plan to give workers a cash bonus this year, according to a new survey from ...

The Importance of Rebalancing

Created on Friday, 11 November 2016. Posted in Content/our blog

... retirement might want to tone down the equity portion of his portfolio slightly to take a more conservative stance. On the other hand, given life expectancy increases, it may be in some clients' best interest ...

Cashing Out Is Not a Cash Cow

Created on Thursday, 13 October 2016. Posted in Content/our blog

... fears topple a sound investment strategy. At Align, we help you craft a portfolio that's best suited for your particular needs. Please don't hesitate to reach out to us if you have any questions or concerns. ...

With Investing, the Best Recipe is to Put Politics Aside

Created on Friday, 09 September 2016. Posted in Content/our blog

... it's in your financial best interest. Back in February, Barron's ran a cover story noting that U.S. stocks had fallen sharply since Trump and Sanders starting gaining ground in the polls. The article ...

Tools to Help You Make the Most of Your One Financial Life

Created on Monday, 13 June 2016. Posted in Content/our blog

... - not as an investment account. And we're armed with the best tools and technology to make it happen. Our cornerstone technology for comprehensive planning is a software suite called MoneyGuidePro. ...

How to Minimize Taxes in Retirement

Created on Tuesday, 17 May 2016. Posted in Content/our blog

... as high as 39.6%. By comparison, long-term gains and qualified dividends in your taxable account are taxed at a lower rate that tops out at 20%. It's often best to leave Roth accounts for last. Since ...

Giving Clients a Fair Shake

Created on Friday, 22 April 2016. Posted in Content/our blog

... commissions will continue. Brokers will still be able to earn a payout for each sale they make. They'll simply have to provide a contract stating that their advice is in their client's best interests. ...

Bringing the Evidence Home

Created on Tuesday, 20 October 2015. Posted in Content/our blog

... Investing Done for Me Lately? Building on our understanding of which market factors seem to matter the most, we continue to heed unfolding evidence on best investment practices. The Human Factor in ...

Behavioral Biases: What Makes Your Brain Trick?

Created on Monday, 17 August 2015. Posted in Content/our blog

... biases that arise from our wiring, and how they can sabotage even the best-laid investment plans. Behavioral Bias #1: Herd Mentality Herd mentality is what happens to you when you see a market movement ...

The Human Factor in Evidence-Based Investing

Created on Wednesday, 08 July 2015. Posted in Content/our blog

... fires up within the nether regions of your frontal lobe. Greed grabs you by the collar, convincing you that you had best act soon if you want to seize the day. "Buy!" Along with such self-defeating ...

The Essence of Evidence-Based Investing

Created on Monday, 06 April 2015. Posted in Content/our blog

... in a rational methodology helps you best determine your financial goals—and it helps you stay on course toward those goals even when your emotions threaten to take over. The origins of evidence-based ...

Get Along, Little Market

Created on Tuesday, 17 February 2015. Posted in Content/our blog

... It shows that there is no discernible pattern of how different asset classes have performed. If you can predict how each column of best and worst performers will stack up in years to come, your psychic ...