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Portfolio Strategy Review Q2 2022

The second quarter continued the negative trends that we saw in the first quarter. Interest rates and inflation increased, though there has been recent price relief in the housing, energy, and other...

Portfolio Strategy Review Q1 2022

"I need ammunition. Not a ride."  History Lessons from War, Appeasement, and Markets It’s useful to compare the events in Ukraine against history because we all have a stake in the outcome. In 1938,...

The January Effect

According to the zany theory called the January Effect, they are supposed to go up.  January was rough across most markets. The doomsayers, armed with historical data, were out in full force...

Portfolio Strategy

Latest Posts

Portfolio Strategy Review Q2 2022

The second quarter continued the negative trends that we saw in the first quarter. Interest rates and inflation increased, though there has been recent price relief in the housing, energy, and other commodity markets. The labor market remains strong with unemployment...

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Portfolio Strategy Review Q1 2022

"I need ammunition. Not a ride."  History Lessons from War, Appeasement, and Markets It’s useful to compare the events in Ukraine against history because we all have a stake in the outcome. In 1938, Hitler annexed Austria; and demanded a portion of Czechoslovakia that...

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Portfolio Strategy Review 2021

Between the pandemic that won’t go away and the politics of the day, US stock markets shrugged it off and delivered extraordinary returns in 2021. At least we are closer to the end of the pandemic. The politics I’m not so sure about. Economic growth forecasts for 2022...

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Portfolio Strategy Review Q3 2021

"I hope I never recover from this."  William Shatner on his journey into space at age 90  Reflation, inflation, or deflation….that was so last quarter. This quarter “stagflation” also began to gain attention. Stagflation evokes fear of the 1970’s when inflation was...

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Portfolio Strategy Review Q2 2021

“A nickel isn't worth a dime anymore.”  Yogi Berra  Reflation, inflation, or deflation. How about a libation and we call it good? The range of opinions about the future direction of prices we pay for goods and services leaves us with one concern: Are recent price...

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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...

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401k & Retirement Planning

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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....

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Investment Discipline

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The January Effect

According to the zany theory called the January Effect, they are supposed to go up.  January was rough across most markets. The doomsayers, armed with historical data, were out in full force predicting the “mother of all bear markets” is just around the corner. And...

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Business Valuations

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Exit Planning

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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...

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Advice That Matters

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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...

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Personal Planning

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Proposed Tax and Planning Updates

I spent 2 days last week at a continuing education conference with Ed Slott & Company. This is my third year in the program. Slott has been a thought leader in retirement and distribution planning for over thirty years. My Master Elite membership gives me full...

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Medicare Nightmares

Plan Enrollment Errors: Advance Planning is Good Medicine Combine the federal government with the US tax and healthcare systems and what do you get? One very complicated maze of rules and regulations called Medicare! Medicare’s complex rules are confusing and can...

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Reading For Results

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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...

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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...

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