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”
Don’t Expect an “Average” Market Return in 2019 (Or Any Other Year)
When we hear about annual long-term equity returns, quoted figures typically range between 8 and 12% depending upon the type of equities under evaluation (i.e. large cap vs. small cap, growth vs. value, foreign vs. domestic, etc.). Interestingly, the average return is typically not achieved in any given calendar year. Reviewing historical annual returns of
The Markets: Wouldn’t It Be Nice
When I was driving home the other day, I was listening to the radio and that old Beach Boys tune, Wouldn’t it Be Nice was playing. You know, “wouldn’t it be nice if we were older”…you know the song. I remember thinking yeah, wouldn’t it be nice if the stock market acted like it did
A History of Bear Markets Since 1929
The U.S. stock market (measured by the S&P 500*) recently entered into bear market territory for the first time since the 2008-2009 global financial crisis. A bear market is classified as a 20% drop from its peak. The S&P 500 saw this peak on September 21, 2018 as it skyrocketed to an intraday high of
What to Do When You Have a Baby
My wife and I recently welcomed our second child into our family. Cora is a sweet and easy-going baby. I have heard they grow fast and seeing it first hand, it is true. Having a child is a good time to reflect about family, the future, and thinking about the financial items to address as
The Markets: “Don’t Be Surprised”
When I was coaching my son Vance, our team played in various tournaments in Southern California. In one particular tournament one of the opposing teams was named “The Mama’s Boys”. When I saw we were facing them early in the tournament I remember telling one of the other coaches “with a name like that they
How High Income Earners Fund Roth IRAs
A Roth IRA could be considered the most tax-advantaged long-term savings account. Your after-tax contributions grow tax-free and can be withdrawn from tax-free anytime after age 59 ½. Furthermore, required minimum distributions are not required at age 70 ½ like a traditional IRA. Although your beneficiary would need to take required minimum distributions, the funds
Understanding Risk in Bonds
Back in 1938, the concept of bond duration was first introduced by Canadian economist, Frederick Macaulay. Macaulay duration is defined as the weighted average of the time until the fixed cash flows from an asset are received. It is frequently reformulated as modified duration to change the units from time to a more useful figure
Volatility is Back in the Markets
Anybody that has watched the financial news this year has to have seen the volatility in the stock market has picked up quite a bit. Last year, we all got spoiled by the relative calm the markets exhibited. I’ve always said that the only thing we can be sure of is that things change and
