Welcome to Our Blog

Thanks for visiting our blog.  We hope to provide you relevant information which provides both perspective and information about topics like personal finance, retirement and investing.  We also have past copies of our quarterly client newsletters.

Predictions: A Fool’s Errand

People always ask what we think the stock market will do in the upcoming year. The true answer—”We have no idea”—is not exciting. But making accurate predictions about something so complex isn’t easy.  Here is an article written by CNBC on January 3rd read...

Order and Direction

Unpleasant surprises make people uncomfortable. We look for reasons why those events happened so we can believe there is order and direction to our lives. Today, investors worry about the next big decline. These events seldom provide advance notice of their arrival. It read...

Waiting for the Bear

Significant decreases in stock prices are never a matter of “if” they will happen. They are always a matter of “when.” Bear markets, defined as a 20% decrease in price, occur on a regular basis. On average, they happen once every five years. More read...

June 2017 Client Letter – Avoiding Financial Scams

Financial scams can be a threat to your financial security and well being.  Some will pose as the IRS, others will prey on your emotional ties to your loved one.  In most cases, the scammers are trying to catch you off guard. In our June 30 client letter we address some read...

Important Things

Taking Time To Enjoy The Important Things In Life It is important to stop and enjoy the important things in life.  Every year, my wife and I host a picnic for the people who mean the most to us. Some we don’t get to see as often as we would like. A lot of time and read...

The Asset Allocation Quilt

My grandmother used to make quilts. She started as a teenager and sewed and quilted for eighty years or more. She stitched colorful squares together to make beautiful patterns and then hand stitched the details. Something about the symmetry and repeatable patterns of hand-made quilts draws your eyes to the details.

Our Quarterly Client Letters

June, 2017

March 2017

September, 2016

Predictions: A Fool’s Errand

Posted by on Dec 4, 2017 in Uncategorized | Comments Off on Predictions: A Fool’s Errand

People always ask what we think the stock market will do in the upcoming year. The true answer—”We have no idea”—is not exciting. But making accurate predictions about something so complex isn’t easy.  Here is an article written by CNBC on January 3rd read more

read more

Order and Direction

Posted by on Nov 9, 2017 in Uncategorized | Comments Off on Order and Direction

Unpleasant surprises make people uncomfortable. We look for reasons why those events happened so we can believe there is order and direction to our lives. Today, investors worry about the next big decline. These events seldom provide advance notice of their arrival. It read more

read more

Waiting for the Bear

Posted by on Aug 3, 2017 in Uncategorized | Comments Off on Waiting for the Bear

Significant decreases in stock prices are never a matter of “if” they will happen. They are always a matter of “when.” Bear markets, defined as a 20% decrease in price, occur on a regular basis. On average, they happen once every five years. More read more

read more

June 2017 Client Letter – Avoiding Financial Scams

Posted by on Jul 24, 2017 in Uncategorized | Comments Off on June 2017 Client Letter – Avoiding Financial Scams

Financial scams can be a threat to your financial security and well being.  Some will pose as the IRS, others will prey on your emotional ties to your loved one.  In most cases, the scammers are trying to catch you off guard. In our June 30 client letter we address some read more

read more

Important Things

Posted by on Jul 24, 2017 in Uncategorized | Comments Off on Important Things

Taking Time To Enjoy The Important Things In Life It is important to stop and enjoy the important things in life.  Every year, my wife and I host a picnic for the people who mean the most to us. Some we don’t get to see as often as we would like. A lot of time and read more

read more

The Issues With Maximizing Social Security

Posted by on Apr 18, 2017 in Personal Finance, Retirement Planning | Comments Off on The Issues With Maximizing Social Security

The Issues with Trying to Maximize Social Security A lot of planning effort focuses on maximizing Social Security. One website claims there are 567 ways to claim you Social Security benefits. Maximizing Social Security generally requires delaying benefits until you are read more

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Download our March Client Letter

Posted by on Mar 31, 2017 in Client Letter, Investing, Personal Finance, Stock Market | Comments Off on Download our March Client Letter

Our March Client Letter Click Here, to read our March Client Letter.  In this issue we address our reasons to be both optimistic and concerned about the stock market in the next few years.   Thanks for reading!   Click Image to Open the pdf file in a new windo read more

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Realistic Expectations for the Future

Posted by on Mar 30, 2017 in Personal Finance, Retirement Planning | Comments Off on Realistic Expectations for the Future

Realistic expectations about the future improves the planning process. And, it helps you make better decisions.   The planning process involves computing future values of your retirement savings.  To do these computations, we have to make assumptions about the future.   read more

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The Asset Allocation Quilt

Posted by on Mar 22, 2017 in Investing, Stock Market | Comments Off on The Asset Allocation Quilt

My grandmother used to make quilts. She started as a teenager and sewed and quilted for eighty years or more. She stitched colorful squares together to make beautiful patterns and then hand stitched the details. Something about the symmetry and repeatable patterns of hand-made quilts draws your eyes to the details. read more

read more

Is A Stock Market Correction on the Horizon?

Posted by on Feb 14, 2017 in Investing, Personal Finance, Politics, Stock Market | Comments Off on Is A Stock Market Correction on the Horizon?

With Dow 20K in the rear view mirror and a polarized political climate, is a stock market correction on the horizon? read more

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