As you know, Jennifer has flown the coop. She was swept off her feet, proposed to, and whisked away by a Navy man to a new life. We are a nice place to work, but how do you compete with that? We need a replacement. Dave’s wife Bonnie helped us during our transition and showed […]
I Survived the Transition – Spring 2012
“I SURVIVED THE TRANSITION, AND ALL I GOT WAS THIS LOUSY NEWSLETTER”! I think that would be an appropriate T shirt for our clients about now. After all, what was the transition all about? Why did we move your accounts away from LPL? After all that paperwork and hassle, what was the point? Let’s talk […]
Big News At Financial Plan – Winter 2012
As you can see, our newsletter the Plan has a new look. But that is not all that is new. In November we brought aboard Jamie and Jeanne’s son Nathan Twining to serve on our staff. Many of you have already met Nate or spoken with him over the telephone. Nathan worked at Wilson Engineering […]
We are a Team – Spring 2011
As our client base has grown, so have the servicing challenges. To meet those challenges we have continued to bring on more employees; over the past few years we have added a new advisor and a new staff member. The larger size of our firm allows us to continue to give you the responsive service […]
The Trouble With Forecasting – Winter 2011
At the risk of sounding like a broken record, allow me once again to admonish and warn you: forecasting the direction of the market is harmful to your financial health. Although I have preached on this topic for decades, we continue to see clients making the mistake of attempting to forecast. The results are generally […]
Our Investment Philosophy – Summer 2011
Let’s be blunt: Over the past thirty years we have studied the conventional wisdom, we have put it to the test, and we have rejected it. Our time-tested investment philosophy is based upon reason and academic science, and has proven superior to conventional wisdom. There are four basic tenets to our philosophy: 1) Returns Future […]
Home Bias – Autumn 2010
Recently, a client asked me this question: “How do you decide how much of my account to put into foreign stocks?” As usual, a short question results in a longwinded answer. Here goes: Equities can be classified as belonging to the: 1) Domestic Market, 2) International Market, and 3) Emerging Market. We find it useful […]
The Elements and Structure of our Financial Plans – Winter 2010
The diagram below outlines the scope of our financial planning services. The core of it is the Wealth Management Plan – the majority of our research and servicing time is spent managing your investments. Many financial advisors confine themselves to this area to the exclusion of all else. We choose to also address four other […]
To Convert, or Not To Convert: That is the Question – Spring 2010
To convert, or not to convert: that is the question: Whether ‘tis nobler in the mind to suffer The slings and arrows of tax increases, Or to take action against a sea of future required minimum distributions, And by converting end them? OK, now that Shakespeare is spinning in his grave, let’s tackle the tax […]
Please Welcome Our Newest Advisor: Devin Wolf – Summer 2010
Not to blow our own horn too loudly, but we have managed to thrive while many other investment services firms have faltered. Over the past few years investors fled some brokerages and banks who have demonstrated their financial incompetence with their own insolvency. Meanwhile, our investment philosophy and service offering have inspired confidence in our […]