Are you on F.I.R.E.?
Have you noticed the significant uptick in the number of articles in the past few years about young people who save 60+% of their income, limit their expenses to the bare minimum and retire before age 40? The name for this movement is F.I.R.E.: Financial Independence, Retire Early. There areRead More
We have read through all the market commentaries and outlook narratives that were sent to us in the latter part of 2018 by our contacts in the investing industry. The repeated theme for the 2019 outlook was “Down but not Out.” Many economists and fund managers are expecting growth andRead More
New Membership in NAPFA
We are proud to have joined the National Association of Personal Financial Advisors (NAPFA). This organization of fee-only financial planners requires an ethics oath and continuing education beyond what is required by the CFP® Board. Here is a summary from the “About NAPFA” page of the organization’s web site. TheRead More
We have a new CFP® Professional
We are proud to announce that Lia Bertelson has been authorized by the Certified Financial Planner Board of Standards (CFP Board) to use the CERTIFIED FINANCIAL PLANNER™ and CFP® certification marks in accordance with CFP Board certification requirements. CFP Board is a nonprofit certification organization with a mission to benefitRead More
Consider writing an ethical will
Over the holidays, consider writing an ethical will for those you love. If you are like me, this month will be busy for you. At my house, we are buying gifts, mailing holiday cards, preparing our home for guests, decorating, and grocery shopping. My wife, Kerry, and I are alsoRead More
What does it mean when the yield curve inverts?
If you watch or listen to market news, you have likely heard analysts mention the flattening of the yield curve, or the possibility of yield curve inversion, as a harbinger of economic recession. It is true that an inverted yield curve has preceded every post-war recession in the U.S., andRead More
Debt cycles impact all of us.
I was recently alerted to Ray Dalio’s new book, Big Debt Crises, while listening to an interview of him done by Barry Ritholtz. Listen to it here. Free PDF of the book here. Ray founded one of the world’s largest hedge funds, Bridgewater Associates. In recent years, Ray has writtenRead More
What has happened since September, and what we are doing for our clients.
We are nine weeks into a correction that began in mid-September. Since that time, major stock indexes have lost all the year’s gains and then some. Fixed income markets have also declined. We know that markets go up and down. When they go down, it really helps when your adviserRead More
Latest Blog Articles
Together Talks… About Charitable Giving Post-Tax Cuts and Jobs Act
September 25, 2019
How to (not) use the yield curve when investing in stocks
September 4, 2019
Perspective on the recent u-turn in interest rate policy
August 26, 2019