What’s on our mind? You can read about it in our Financial Focus Blog. Whether it’s ideas about prudent planning or emerging trends that affect your retirement savings, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.
Thursday, March 9, 2023
When taking my dog to the vet recently I realized how quickly our society is transitioning to electronic document processing. A day before my appointment I received a text message asking me to confirm...
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Wednesday, July 6, 2022
One of an investment advisor's primary roles is helping investors avoid common mistakes that raise costs and undermine results. We often rely upon the field of behavioral finance that tries to identify and explain biases that...
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Monday, June 20, 2022
In general we categorize investment strategies into one of three categories. Each approach plays a different role within a portfolio. Core Market Strategies provide broad exposure to...
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Tuesday, May 17, 2022
The news is bursting with discussion of inflation. It's a subject we haven't had to discuss in great detail for more than 30 years. If you are young then chances are this is your first experienced with inflation. If you are middle...
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Wednesday, April 14, 2021
Savings Plus promotes three ways for participants to invest, but there is actually a fourth option for those with higher expectations. Savings plus offers Target Date Funds for what it refers to as the 'do it for me' participants....
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Tuesday, January 12, 2021
When constructing a portfolio we seek to design a solution that will keep you invested through all market cycles, up and down. Portfolios implemented with this method have a larger allocation to the stock market,...
Read MoreNew IRS Contribution Limits: Changes for 2020 The IRS just increased the annual contribution limits on IRAs, 401(k)s, and other widely used retirement plan accounts for 2020. Here’s a quick look at the changes. This year, you can...
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Thursday, November 28, 2019
Bottom line... You can not become a surgeon by buying a scalpel. You are not a dentist because you own a drill. You are not a plumber because you bought a nice wrench. You are not a portfolio manager because you own index funds.
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Tuesday, November 12, 2019
Should I Use A Traditional or Roth Retirement Account? Employer sponsored retirement plans increasingly offer participants a Roth account option in additional to the traditional tax-deferred option. With traditional tax-deferred...
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Sunday, August 4, 2019
Knowledgeable investors are aware that investing in the capital markets presents any number of risks – interest rate risk, company risk, and market risk. Risk is an inseparable companion to the potential for long-term growth....
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Thursday, December 27, 2018
Reallocation Alert On December 26, 2018 the HCM 401(k) Optimizer® recommended a reduction in equity exposure. If you are using the Optimizer then you should have received an email notice and reminder to log into your Optimizer...
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Friday, November 30, 2018
It is common sense to assume that fund fees and expenses affect investment performance, but few retirement plan participants realize their default investment options can carry a hidden price tag that would shock and even outrage...
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Saturday, November 17, 2018
I am very excited to announce a partnership with Howard Capital Management (HCM) to offer employees of the California Highway Patrol a complementary subscription the the HCM 401k Optimizer®. Retirement plans rarely offer the...
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Saturday, October 27, 2018
Market turmoil can test the emotional fortitude needed to sustain proven long term investment strategies. In my experience, emotional reactions are, in fact, more of a threat to investment performance than market corrections themselves...
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Saturday, August 18, 2018
Our community woke to the sound of a strange alarm coming from cellphones. As my eyes adjusted to the small screen I slowly deciphered a message no one wants to receive... "Emergency Alert! Mandatory evacuations due to Carr Fire..."...
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Saturday, August 4, 2018
https://youtu.be/lDSp_LwZhVk
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Thursday, May 17, 2018
Technology enables financial advisors to emulate portfolio management services provided by top tier institutions, but can an individual advisor truly replicate the same level of service? Financial advisors provide a variety of services...
Read MoreDalbar Inc. is widely considered the gold standard in financial services research. Of particular import is their annual Qualitative Analysis of Investor Behavior (QAIB) which monitors the gap between leading indicators of investment...
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