Mid-December Outlook

winners and losers

Since the beginning of December, U.S. stocks (S&P 500) are up more than 3%. The U.S. bond market is right at breakeven for the month and has shown only a fraction of the volatility. Foreign markets are down much more so far in December. Foreign developed markets are down more than 4.5%, and emerging market […]

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Behavioral Finance – Part II

behavioral finance

From the Outside Looking In (part 2) “The investor’s chief problem—and even his worst enemy—is likely to be himself.” Why is this so? This paper, part two of a series, uses the tenets of behavioral finance* to examine how and why our actions often impede good financial decision making. In part one, (Behavioral Finance Part […]

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October 2014 Market Recap

On October 31st, millions of children across the U.S. donned costumes and went door to door filling their baskets with candy. Thousands of costume parties were thrown for the adults that enjoy Halloween and many people parked themselves in front of a screen to watch scary movies. There is plenty of research on the psychology […]

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October Mid-Month Thoughts on the Market

VIX 10 14 14

Key Points U.S. equity markets endured their third consecutive week of losses as volatility climbed. The S&P 500 Index was down sharply enduring its largest weekly decline since May 2012. The sell-off can be blamed on a number of factors, with concerns over global growth coming in first on that list. Ongoing angst over the […]

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US Ecomomy and European Central Bank (ECB) announcements


Quick Recap Domestic stocks have experienced a little more volatility than what has been usual this year; however U.S. equities continue their winning ways. Although the August employment data were somewhat disappointing, investors were encouraged by strong manufacturing trends. Events outside of the U.S. also contributed to the positive tone. The European Central Bank (ECB) […]

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Behavioral Finance – Part I

behavioral finance

From the Outside Looking In Have you ever noticed how easy it is to know when someone else is making a bad decision—a friend is impulsively quitting her job; a family member is buying a house that seems too expensive; your brother has no retirement account? We find it easier to assess someone else’s choices […]

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The Dos and Don’ts of Choosing a Financial Advisor

dos and donts

You’re thinking about hiring a financial advisor to help you manage your assets. I can assume this is the case since you’re taking the time to read this paper. This is most likely because you’re planning for the future— your retirement funding or college, or you’re unhappy with your current money manager, be it a […]

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Sustainable Withdrawal Rate

withdrawal rate

We all look forward to and approach retirement in different ways. In order to retire comfortably, individuals must accumulate adequate savings over time. If you withdraw too much from your portfolio too early, you may run the risk of depleting your savings prematurely. Conversely, if you withdraw too little, you may lower your standard of […]

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Importance of Estate Planning

estate planning

Estate Planning is one of the most important steps that any person can take to ensure that their property and their health care wishes are honored, and that loved ones are provided for in their absence (either death or incapacitation).

Do You Know Where Your Money is Going?

money down the drain

Managing your finances can be a difficult and frustrating experience but something everyone needs to do regardless of what stage of life they are in. Much like taking a road trip across the country, you start with a destination in mind, “where do I want to be”, “what do I want to do”? Having a […]

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