Feb 10, 2016
As most of my clients know, I would prefer that everyone carry a zero balance on their credit cards. When implementing a financial plan, addressing a client’s credit card debt typically comes early in the conversation. Why? A high-interest rate credit card is like...
Jan 17, 2016
2015 ended with a whimper, with the S&P 500 Index down -0.7% for the year. However, the markets entered 2016 with a roar, with the S&P 500 Index down -8.0% as of 1/15/16. The market is considered forward looking – a leading indicator, providing...
Dec 8, 2015
sosecuritytoon Something had to be done. Most knew that Social Security in its current state was likely unsustainable. However, few were expecting the changes to occur “right now,” and even fewer were expecting the changes to occur “right now,”...
Nov 5, 2015
The media has been abuzz since the end of October given the stellar performance of the S&P 500 Index, up +8.3 %, one of the best monthly returns in years. The gains notably survived hints from the Federal Reserve policy makers that interest rates could rise in...
Oct 7, 2015
There are two broad categories that investment managers typically assess when deciding to buy or sell a particular security: 1) The Fundamentals – i.e., How strong or weak is the economy? How strong or weak are the financials of a company? 2) The Technicals – i.e.,...
Sep 5, 2015
There are many ways to manage money, but in general, investment management falls into two primary categories – passive management and active management. Passive management typically follows the tenants of Traditional Asset Allocation whereby you allocate a certain...
