Are You Prepared for the Next Market Correction?

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If you enjoy a good read, we recommend Warren Buffett’s annual Berkshire Hathaway shareholder letters, dating back to 1965. While financial reports are rarely the stuff from which dreams are made, Buffett’s way with words never ceases to impress. His most recent 2016 letter was no exception, including this powerful insight about market downturns:

“During such scary periods, you should never forget two things: First, widespread fear is your friend as an ...

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Election: 70 Days and Counting – Presidents, Politics and Your Portfolio

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election option Last week I visited Gettysburg and toured the battlefields which represent the turning point of the civil war and reaffirmed the principles of which the United States is built. Over 150 years later those fields still speak as loudly as they did when Abraham Lincoln memorably spoke about a “new birth of freedom” for America in the Gettysburg Address. While this year’s ...

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Parenting Your Wealth in Uncertain Times

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parenting

In the face of political drama at home and violence abroad, it’s certainly been a summer for trying our patience, hasn’t it? For anyone who has ever been a parent or a child – that is, for everyone – there are several comparisons we can draw between good parenting and good wealth management. For both, plenty of patience is one of the most important qualities to embrace.

Patience Is Your Greatest Strength

As an ...

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Real Estate Investing

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Just as the world around us comes from the elements found in the periodic table, capital markets are made up of asset classes, broadly organized into stocks, bonds, alternatives and hard assets like commodities and real estate. As elemental as asset classes are to investing, it often makes sense to include some real estate investments in your globally diversified portfolio.

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Investing for Retirement Income: Part II: High-Yield Bonds

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In Part I of our three-part series on investing for retirement income in a low-rate environment, we explained why we don’t advise bulking up on dividend-yielding stocks as a reliable way to generate retirement cash flow. Like the Three Little Pigs’ straw house, dividend-yielding stocks can disappoint you by exhibiting inherent risks just when you most need dependability instead.

Another popular tactic is to ...

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Investing for Retirement Income: Part I: Dividend-Yielding Stocks

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If ever there were an appropriate analogy for how to invest for retirement, it would be the classic fable of The Three Little Pigs. As you may recall, those three little pigs tried three different structures to protect against the Big Bad Wolf. Similarly, there are at least three kinds of “building materials” that investors typically employ as they try to prevent today’s ...

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How we Choose the Funds for You

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fund selection

A question we are often asked: How do we choose the funds we use?

In order to understand how we go about choosing the funds we use it is important to start with the awareness that investments are personal. Starting with a plan is the key to develop the right investment strategy to fit your unique situation. The investments must be structured in a manner that is consistent with your goals, ...

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Financial Tips on Tax-Efficient Investing – Part II: Teamwork

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taxes

In our last Financial TIPs on Tax-Efficient Investing, “Investment Manager Selection,” we explored how to engage in year-round tax-efficient investing by adopting your own best practices as well as by favoring fund managers who are likewise keeping a tax-efficient eye on their offerings. There are two other important areas to tend to as part of your due diligence: your investment portfolio’s tax-efficient management and your advisers’ tax-efficient teamwork.

Proper Portfolio Management: The ...

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Evidence-Based Investing vs. Indexing

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As the public grows increasingly familiar with “passive” or “index” investing, it’s becoming easier for individual investors to gain cost-effective exposure to globally diversified market returns. That’s good news! Even better news is that there is a similar approach we employ for our clients that incorporates the many strengths of passive/index investing while eliminating some of its inherent weaknesses. Beyond passive, we ...

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The Role of Fixed Income

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Janet Yellen and the Fed have been front page news this summer. Anyone who is keeping even a casual eye on financial headlines is aware that fixed income returns have been a moving target. The overwhelming consensus was that the tightening cycle would begin in June and that interest rates would rise sooner rather than later. When the Fed ultimately acts will the yield curve steepen or flatten? When, by how much ...

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