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The Viability of the Value Premium, Part 2: The Long Perspective

Created on Thursday, 15 August 2019. Posted in Content/our blog

... decade ending October 2000. Then the tables turned and value bested growth by 35% over the next five months. This single surge helped value outperform growth by 2.4% for the 10 years ending May 2001. In ...

The Viability of the Value Premium: Part 1

Created on Friday, 26 July 2019. Posted in Content/our blog

... why we feel it remains in your best interest to keep the faith on value investing, relative to your personal financial goals and risk tolerances. To support our continued faith in value investing, we ...

Who We Serve

Created on Tuesday, 18 June 2019. Posted in Content/about

... the best way to make charitable donations?” Common Scenarios Retirement Analysis You want to know you’ll be able to enjoy a retirement without making a lifestyle change or worrying if you’ll have ...

Understanding Asset Allocation

Created on Wednesday, 01 May 2019. Posted in Content/our blog

... your various purposes. Likewise, asset allocation helps us tailor your portfolio to best suit you – efficiently tilting your investments toward or away from various levels of market risks and expected ...

Six Steps for Financial Well Being in 2019

Created on Tuesday, 01 January 2019. Posted in Content/our blog

Are you ready to get a jump on 2019? Here are six financial best practices for the year ahead. Pick a few of them or take on the entire list. Either way, you’ll be that much further ahead.  1.Don’t ...

Global Diversification Is Key in Volatile Times

Created on Friday, 16 November 2018. Posted in Content/our blog

... your sounding board and fiduciary advisor. Your best interests remain our top priority. If you are reflecting calmly on current events, recognizing that market volatility happens, allow us to applaud ...

Immunizing Yourself Against Financial Scams and Identity Theft

Created on Tuesday, 09 October 2018. Posted in Content/our blog

... breaches is another. What should you look for? There are 10 red flags you should never ignore. 1.An offer that sounds too good to be true. 2.A stranger who wants to be your real or virtual best ...

Getting a Handle on the New Charitable Giving Rules

Created on Friday, 17 August 2018. Posted in Content/our blog

... advice and to best coordinate our efforts on your behalf. We’re also available for planning conversations or to answer additional questions you may have about tax-wise giving goals.      ...

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 ...