Client Communications

Over the years we have all seen the equity markets rise, fall, then rise again.  Our lives inevitably change due to circumstances beyond our control.  At times, it may seem there is not much that we do actually control at all.  That is why we set goals, look to the future, formulate a plan. Actually, […]

Something very interesting has been happening to the S&P 500 Index. It has just completed an unprecedented string of continuous records. The index closed at new highs each day of the past week, each week in the past six, and each month in the past seven. Never before has this feat been accomplished. This action […]

As we reach the halfway point of 2017, we can summarize the year as being positive so far. In terms of the various markets, results have been on the positive side for most sectors. Except for the one day in May where the Dow Industrials dropped over 350 points, the equity markets have gradually climbed […]

We would like to take this opportunity to wish you a safe, healthy, and prosperous New Year and to recognize and appreciate the relationship that we have with you. Your family’s well-being and financial progress is the cornerstone of our commitment, which we take very seriously. Change has been a constant during our time together […]

By keeping interest rates near zero for such an extended period, The Federal Reserve has forced the large population of savers to look for returns in more aggressive areas. Those savers, which as a percentage are mostly retired, simply cannot get by when their income has been reduced to nearly nothing from the average 4-5% […]

There really is only one way to properly describe the present environment – Normal.  Take into consideration some of what is going on around the world right now: international conflict (ISIS, Eastern Europe, South China Sea just to name a few), economic instability (Brexit, European Union, Japan, Emerging Markets), and political uncertainty (U.S. Presidential Election). […]

Often times you will hear us state that we make recommendations within the context of your financial plan and comfort level.  It is a basic tenet of our overall philosophy because, quite simply, achieving your goals and placing your interests first matters the most to us.  However, this is not new to our firm, but […]

The recent decision by the people of the U.K. to back out of the European Union is historic, only in that they are the first to leave the relatively young collaboration of countries.  What makes it similar to other events in history is that a group of people are choosing to separate from a larger […]

Market pundits, financial news stations, and even major brokerage firms seem to be trying to create a self-fulfilling prophecy by continuing to warn of a coming financial Armageddon.  For nearly the past year we have been pounded continuously about the coming crash as a result of (take your pick):  The Presidential race, banking crisis, recession, […]