Insights
Drawing on our deep industry knowledge, we assist clients with access to a wealth of insights and educational resources. Here, you can gain valuable perspectives on current market dynamics and explore our comprehensive retirement resources, offering a collection of financial planning, wealth management, and investment strategies.
Timely Q & A
A lot of our clients want to know what is meant by the term parabolic rise in a stock price. A parabolic rise is best shown by this illustration. You get a stock that’s basing, the price just stays stable, goes up and down a little bit, and then some news comes out and “boom”
Market Volatility Returns, but Never Really Left
It is estimated that 75% of daily trading volume is the result of automated computerized trading and equity prices seem to be more volatile today than ever. However, volatility is nothing new, and if you find yourself paying too much attention to the noise of short-term price action, one simple way to minimize volatility is
Negative Interest Rates
Imagine walking into a bank and being told you had to pay them to loan them money. That is the basis of negative interest rates. It sounds different and counterintuitive but it’s happening in parts of Europe and Asia as we speak. In fact, nearly $17 trillion in debt outstanding is now negative. To describe
Cyber Security and Current Scams – What you Need to Know
Cyber security is a real threat. Those who have ill-intentions use advanced techniques to lure unsuspecting people into a trap. While your personal data will remain at risk, cyber education and ongoing diligence can prevent many problems. Cornerstones of cyber security include people, passwords, personal devices, updated software, and outside companies. The first four items
The Greatest Fear
The other day I got a phone call from one of my friends (not a client) and he said in a serious tone “inverted yield curve”…what is it?” There has been a lot of doom and gloom talk in the air lately. There are plenty of reasons for this but one that has been hitting
A Lesson on Patience I Learned from My Dad
Today I’m going to talk about some investment lessons I learned from my Dad. My Dad passed away about 20 years ago. He was a hard working man who gained common sense from experience. I learned a lot from him. I learned about persistence, enthusiasm, and that your word is your bond. He taught me
New Mandate for All Employers in California
If you own a business in CA and currently do not offer an employer-sponsored retirement plan (such as a SEP, SIMPLE, 401(k), etc.), take note that as of July 1, 2019, CA has implemented the mandatory CalSavers program. While CA hasn’t always been a friend to business owners, the good news is that the new
Understanding Net Unrealized Appreciation
Employer stock held within an employer retirement plan is eligible for favorable tax treatment on the “Net Unrealized Appreciation” (NUA) of the stock if certain requirements are met. NUA is the difference between the cost basis and current value which is the unrealized capital gain. However, the tax treatment received on a sale of employer
Spring 2019 Financial Newsletter
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The Genie and the Market
When I was in the 6th grade, I remember writing a report on John Calhoun. He was the vice president under John Quincy Adams and Andrew Jackson from 1825 to 1832. He wouldn’t make it as a pillar of society today because of his views, but he made an interesting observation that I want to share:
