CVA Blog

 

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Portfolio Strategy Review Q1 2024

Overview In the first quarter, market growth continued to broaden across all sectors except real estate. However, since early April inflation concerns, and geopolitical uncertainty have moved to the...

Portfolio Strategy Review 2023

Overview Risk on. Risk off. 2023 was a risk on year. 2022 not so. Short-term risk of volatility is common in financial markets and what we guard against as we get closer to retirement. In early...

Portfolio Strategy Review Q3 2023

Overview As we try to remain calm through the recent turbulence, it’s worth remembering that markets have seen it all before, though every economic cycle presents unique challenges and...

Portfolio Strategy

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Portfolio Strategy Review 2022

Overview The reset of 2022 was a painful reminder that investment fads and cycles can shift direction with little warning. Diversification helps mitigate risk, but it isn’t perfect. Bonds typically are a reliable and stable diversifier when stocks decline, but the...

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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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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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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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