Thoughts on the Coronavirus

We do not claim to have any idea how far this outbreak will spread, nor how many lives it will claim, before it is brought under control.  We’re reasonably certain that many of the world’s leading virologists and epidemiologists are working on it, and we believe their efforts will ultimately succeed.  If the history of similar outbreaks in the recent past is any guide, this seems to be a reasonable hypothesis.

Risk Is Not A Cookie Cutter Recipe

An investor is an individual, but many retirement plans bundle investors into groups, making broad assumptions about age and risk. Such canned “advice” has no personal knowledge of you. Clients show us statements received from the administrator stating “Based on your age, the investments you have selected are too aggressive.” Many participants do not understand […]

What happens when people and businesses get tax relief?

They feel good, they have more money to spend. Some spend it wisely, some do not. People buy more goods and services, companies invest in growing their businesses and are willing to add employees. People and business invest in the future. The future improves. It’s simple and it works!

Why the Market Is Doing Well

‘This is an earnings based market. The market is always about earnings because earnings move the market forward.’ ‘No sign of a recession anywhere. Regulatory pause has caused some relief.’ ‘CEOs have increased confidence. Tax reform is going to be a boom for individuals and domestically based companies, especially small and mid-sized.’ ‘No mystery why […]

What About Risk?

You are often asked to identify your risk tolerance, but how do you measure risk if you are not an experienced investor who has received good advice? It is not a fair question to ask people who wish to invest but have no knowledge of what is risky and what is not risky. Because the […]

My Wife’s Investments are Growing Faster Than Mine

Is someone “managing” your money and your account holds 40-50 or more items?  You think – ‘good…many investments…some names I recognize… diversification…safety…should do well.’ The statements arrive monthly and you look at them. A picture does not emerge. You see little progress. You can not figure out “performance.” Your spouse or friend has accounts with […]

Consumer Complaint? The Government Can Help.

President Reagan is quoted as saying, “The most terrifying words in the English language are: I’m from the government and I’m here to help.” While I can frequently agree with President Reagan, I have found there have been approximately three times over my lifetime where I felt I had been mistreated by business and I […]

August 2017 Update

Dear Clients: Over the past several months, most of the available economic data has been positive, supporting the theme that the overall health of not just the U.S., but also the world, continues to improve.  The market has responded positively, reaching historic highs and extending the current bull market.  Concurrent with this, the news media […]