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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

... with their personal financial goals and risk tolerances. Still, a decade is a long time to tolerate disappointing numbers while awaiting an expected reward. For many of us, our children are about the ...

The Viability of the Value Premium: Part 1

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

... your portfolio toward or away from empirically-tested long-term sources of expected returns – and their risks. When those risks arise, if your goals haven’t changed, neither should your portfolio. Let’s ...

Who We Serve

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

... enough for surprises or additional desires. Our team reviews your retirement needs and other goals, then analyzes your income sources and manages portfolio withdrawals to balance daily comfort with long-term ...

Understanding Asset Allocation

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

... the riskier the asset class, the higher the return you can expect to earn by investing in it over the long haul. Allocating your portfolio into different asset classes is similar to storing your clothes ...

Understanding Charitable Giving Through Donor-Advised Funds

Created on Monday, 11 February 2019. Posted in Content/our blog

...  Beyond DAFs A DAF isn’t for everyone. Along the spectrum of charitable giving choices, they’re relatively easy and affordable to establish, while still offering some of the benefits of a planned giving ...

Six Steps for Financial Well Being in 2019

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

... issues. It’s worth reviewing the financial landscape annually to identify areas needing attention. Maybe you’ve got a debt load to reduce, or an estate plan to update. Perhaps it’s been too long since ...

Global Diversification Is Key in Volatile Times

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

... diversification is a powerful antacid for when (not if) we experience market turbulence. It’s why we have long recommended that our clients spread market risks according to their personal goals and risk ...

Immunizing Yourself Against Financial Scams and Identity Theft

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

...  Protect yourself online. Keep your anti-malware, anti-spyware and operating system software current! Use multi-version backup software to aid you if system or file recovery is needed. Create long, strong, ...

Getting a Handle on the New Charitable Giving Rules

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

... deduction to $24,000 for couples filing jointly and $12,000 for single individuals and restricts or eliminates several long-time tax write-offs. As a result, many families who used to itemize and realize ...

Demystifying Investment Jargon: What Is Correlation?

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

... market’s many moods. Correlation is more than just a quality; it’s also a quantity – a measurement – offering two important insights along a spectrum of possibilities between –1.0 and +1.0. Correlation ...

A Focus on Fixed-Income

Created on Thursday, 24 May 2018. Posted in Content/our blog

... seeking to build more wealth over time. But along with higher expected returns, they also deliver a bumpy ride, with increased uncertainty over whether and when goals can be attained. Bonds (fixed-income) ...

A Financial Survival Guide for Surviving Spouses

Created on Thursday, 26 April 2018. Posted in Content/our blog

... the space to focus on matters that actually are urgent. Putting long-term plans on hold creates space to take care of the essentials, such as making funeral arrangements, managing immediate expenses, ...

Eight Tips for Navigating Market Downturns

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

... can test investor resolve, sabotage otherwise solid plans, and just plain hurt. But experience and evidence are on the side of investors with a long-term outlook. Acting rashly is far more damaging to ...

Is it Time to Rebalance Your Portfolio?

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

... to shift your assets back to their intended, long-term allocations. A Rebalancing Illustration Suppose you and your advisor have planned for your portfolio to be exposed to stocks and bonds in a 50/50 ...

ABCs of Behavioral Biases: The Last Word

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

... past your System 1 thinking into more deliberate decision-making for your long-term goals. (On the flip side, financial providers who are themselves fixated on picking hot stocks or timing the market on ...

ABCs of Behavioral Biases: O to T

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

... to discount the market's many glittering distractions and focus on their long-term goals. Recency Recency causes you to pay more attention to your latest experiences, and to downplay long-term factors. ...

ABCs of Behavioral Biases: H to O

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

... Loss Aversion, Mental Accounting and Outcome Bias. Hindsight Hindsight bias is the "I knew it all along" effect – the belief that our memory is correct when it is not. For example, say you expected ...

ABCs of Behavioral Biases: F to H

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

... to the herd mentality, cows have nothing on us humans, who instinctively recoil or rush headlong into excitement when we see others doing the same. Sometimes conformity is helpful, enabling us as a society ...

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

... risks that are expected to generate our greatest rewards. All the while, we rush into nearly every move, only to fret and regret them long after the deed is done. Why do we have behavioral biases? Most ...

Building a Healthy Relationship with Investment Risk

Created on Tuesday, 15 August 2017. Posted in Content/our blog

... market risks. Either miscalculation can cause you to panic and sell out or sit out of the market, thus missing out on its long-term growth. In contrast, those who stay invested when market risks are ...

Financial Planner Interview

Created on Wednesday, 02 August 2017. Posted in Content/resources

...        What financial planning designations do members of the firm have? How long have you and your associates been offering financial planning services? How many hours ...

Evidence-Based Investors Approach Investing Differently

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

... investors try to beat the market through stock-picking and market-timing. By contrast, evidence-based investors participate in the market to earn expected long-term returns according to time-tested academic ...

Retirement Savings: A Little Goes a Long Way

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

A recent study by Merrill Lynch and Age Wave found that the cost of retirement exceeds $700,000 on average, easily surpassing the costs of buying a home or paying for college. While this number probably ...

Investing Resolutions for 2017

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

... 2017, we encourage you to give some thought to how you can be a better investor in the coming year. As such, here are a few investing resolutions designed to help you better achieve long-term portfolio ...

Cashing Out Is Not a Cash Cow

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

... idea at first, there are more downsides to cashing out than you might think. A sounder course of action is to stick to your long-term plan and not let Election Day distractions disrupt a sound investment ...

With Investing, the Best Recipe is to Put Politics Aside

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

... we urge you to tune out the noise and instead stick to your long-term strategy. Making decisions based on political leanings or emotional fervor can seriously threaten your financial well-being. Consider ...

How Asset Location Can Help Fatten Your Nest Egg

Created on Friday, 19 August 2016. Posted in Content/our blog

... stocks that you own for longer than a year are taxed at lower capital gains rates. Short-term equities, as well as taxable fixed income, are taxed at higher, ordinary-income tax rates. Municipal bonds, ...