CVA Blog

 

Recent Posts

Portfolio Strategy Review Q1 2021

“If you don’t know where you are going, you’ll end up someplace else.” Yogi Berra The consistent theme in these quarterly reports is that sound strategy prioritizes your goals and gives you even...

Are Bitcoin and Cryptocurrency Here to Stay?

There has been a lot of controversy and disagreement on the viability of cypto assets like Bitcoin. It's been called the next "store of value" (akin to gold), a highly secure medium of exchange, an...

Portfolio Strategy Review 2020

“America will never be destroyed from the outside. If we falter and lose our freedoms, it will be because we destroyed ourselves.” Abraham Lincoln The year 2020 is over. Good riddens. A year we will...

Portfolio Strategy

Latest Posts

Portfolio Strategy Review Q1 2021

“If you don’t know where you are going, you’ll end up someplace else.” Yogi Berra The consistent theme in these quarterly reports is that sound strategy prioritizes your goals and gives you even greater odds to grow and protect your wealth. Many investment calories...

read more
Portfolio Strategy Review 2020

“America will never be destroyed from the outside. If we falter and lose our freedoms, it will be because we destroyed ourselves.” Abraham Lincoln The year 2020 is over. Good riddens. A year we will never forget. A Bull market for stocks. A bear market for people. The...

read more
Portfolio Strategy Review Q3 2020

“A genius is the man who can do the average thing when everyone else around him is losing his mind.”—Napoleon Most major economies appear to be coming out of recession. Many economists believe the worst is behind us. Yet not all sectors of the economy have rebounded....

read more
Portfolio Strategy Review Q2 2020

‘’History doesn’t repeat itself, but it often rhymes.” Mark Twain An historic quarter in many respects. A Pandemic. Race Riots. A Trade War. Political Chaos. Yet the market so far looks like a “V” recovery. The best quarter since 1998. While the economy appears more...

read more
Portfolio Strategy Review Q1 2020

 When Will We Get Back to Normal The longest bull market in history had been on virtual cruise control since 2009. In March it gave way to the fastest bear market crash in history. Market volatility returned with a vengeance as investors seek to gauge the depth and...

read more
Portfolio Strategy Review 2019

Elon's 420 Jig; Presidential Performance Past to Present (1981-2020) The year 2019 was an astounding year for all asset returns as the longest bull market in history continued. Markets looked past recession fears, impeachment proceedings, and heightened tensions with...

read more

401k & Retirement Planning

Latest Posts

Calm, Care, & Caution

Calm, Care, & Caution How to stay calm during challenging times? The late Vanguard founder John Bogle used to say that in times of market turmoil, “Don’t just do something. Stand there!” His point was that panic selling after market declines guarantees loss....

read more

Investment Discipline

Latest Posts

Bitcoin, Buffet, and Bubbles

What We Know Bitcoin – Selling off 20% today after a meteoric rise.  But what is it? Some new store of value? New mode of transacting? How is it priced? I don’t know it well enough to explain it. And I don’t care. It hasn’t been around long enough to tell if it’s a...

read more

Business Valuations

Latest Posts

Exit Planning

Latest Posts

The Purpose of Your Buy-Sell Agreement

A Buy-Sell agreement (BSA) serves several key purposes for business owners. A well-articulated BSA creates a ready market and liquidity to a selling owner, and should establish price, terms, and financing for the transfer. In short it spells out a process so that all...

read more

Advice That Matters

Latest Posts

The Conflicted Sale

A referral from a trusted adviser like one’s CPA usually helps to mitigate risk in selecting an investment adviser. However, just because a CPA works with numbers and is tax savvy doesn’t mean they are fully aware of the many potential conflicts that an adviser's...

read more
When the Message is Clear

I was doing a 401k education and enrollment session at one of the health care clinics I service. One of the attendees was especially attentive and she was taking very detailed notes. After finishing the presentation, she approached me for some more information. “I...

read more
Big-Brand Boilerplate Solution

A common misconception is that a big brand name financial adviser gives you safety, more resources, and a better outcome for your investment dollars. The set of facts below looks at the reality of big company business models. Corporations look for economies of scale...

read more

Personal Planning

Latest Posts

Reading For Results

Latest Posts

Conserving Client Portfolios

Conserving Client Portfolios During Retirement by William Bengen Written in 2006, Bengen popularized what is known as the “4% Rule.” This work on distribution and withdrawal planning for sustainable retirement income has become the de facto standard against which...

read more
The Remarkable Story of Risk

Against the Odds: The Remarkable Story of Risk by Peter L. Bernstein   “Likeness to Truth is not the same as Truth” I found the historical breadth and depth of this work remarkable as the title suggests. Bernstein takes us on an interesting evolutionary path of...

read more