2020 Bear Market

corona virus

You woke up today to headlines that market futures fell overnight, and we are seeing another big drop so far today. You may be wondering if things have changed since our last message to you, and if you should do something different. Overnight, markets reacted to fears that many parts of the world, including the […]

A Volatile Week: What to Do Next

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This is what we’ve planned for! Thoughts to remember in this period of market volatility. As investors, we know that we cannot achieve high long-term returns without periods of volatility, so we try to keep these market movements in perspective. Here are some of our thoughts. 2019 brought positive returns: S&P 500 up 29%, Dow up 22%, corporate […]

How to (not) use the yield curve when investing in stocks

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I get asked a lot by non-clients what I think the stock market is going to do.  I always tell these folks that I have no idea what it will do in the short run.  Stock prices could drop dramatically.  But in the long run, they go up. Right now many people are worried about […]

Perspective on the recent u-turn in interest rate policy

Together Planning Perspective on the recent u-turn in interest rate policy

Since the “Great Recession” ended, the U.S. economy has grown, although at a much slower pace than historically. We have seen record low levels of unemployment, low inflation and, in recent years, healthy year-over-year increases in wages. If you were to review the comments released by the Federal Reserve Open Market Committee (FOMC) after each […]

Together Planning helps clients navigate the markets

Together Planning’s Lia Bertelson shared her thoughts with the Atlanta Business Chronicle about how we are helping our financial planning and investment management clients navigate market volatility. Financial advisors manage client concerns “Some clients are also selling off high-priced stocks to invest in better bargains. “Re-balancing your portfolio has been a strategy that has worked […]

No Brackets Needed Here

No Brackets needed here Together Planning

March Madness is here and with it thousands of people will try to beat the odds by picking the perfect bracket. What are the odds of a perfect bracket? There are 263, or 9,223,372,036,854,775,808 possible outcomes in the NCAA tournament. That would mean there’s a 1 in 9.2 quintillion chance of picking a perfect bracket […]

I want to own the world. You should too.

I want to own the world. Well, not really. Greed is not really my thing, and I actually love the simplicity of fewer possessions. But I do want to have exposure to the whole world in my investment portfolio. It is not an obvious choice. Since 2010, International equities have under-performed the US market.   […]

CFP Board Ethics Updates: What they mean for you

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We at Together Planning value the CERTIFIED FINANCIAL PLANNERTM marks[i] because we believe that the public is well served by the efforts of the CFP Board to elevate the financial planning profession through its high standards of both ethics and competence. Jud earned the right to use the CFP® marks in 2009 and I just […]