Financial Tips on Tax-Efficient Investing- Part 1: Investment Manager Selection

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tax cost

One of my favorite quotes was written by Supreme Court Justice Learned Hand: “Anyone may arrange his affairs so that his taxes shall be as low as possible; he is not bound to choose that pattern which best pays the treasury… for nobody owes any public duty to pay more than the law demands”. With the October 15th “tax return filing deadline” upon us it is an optimal time to ...

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Evidence-Based Investing vs. Indexing

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evidenced based

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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bonds

 

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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Doing Due Diligence on Your Financial Advisor – Part III: Finding Right-Fitting Advice

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Two Men Holding an Old-Fashioned Key

 

In the previous two Financial TIPs in our series, “Doing Due Diligence on Your Financial Advisor,” we offered some ideas on how to check out an advisor’s background, and why we would suggest that the first hurdle to overcome when selecting an advisor is to ensure his or her advice is of the highest, fiduciary standard. In this final ...

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Doing Due Diligence on Your Financial Advisor – Part II: Fiduciary

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financial advisor due diligence

In the medical profession, physicians practice according to a familiar standard: “First do no harm.” There should be a similar level of commitment for anyone who wants to advise you about your financial well-being, right? Unfortunately, wrong. Financial advice is subject to a double legal standard: “fiduciary” versus “suitable” advice. Worse, it’s up to you to spot the differences between them, and to heed the quality of the ...

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Doing the Due Diligence on Your Financial Advisor – Part 1: How do You Know?

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advisor due diligence

It’s time to address a challenging subject: In selecting or retaining a financial advisor, how do you know if you’re making a wise choice?
It’s a challenging subject for us and one that we take very seriously as we develop and expand on our firm’s own best practices. We believe it is even more challenging for investors. First, the stakes are ...

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Forest for the Trees – Strategy #3: Controlling Costs

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tree image

This is the third installment of our favorite “key” investment strategies series. In the first two we covered the importance of staying invested to earn market returns, while managing the risks involved. We’ll conclude with what may be the most obvious and powerful advice of all, even if it does not seem to receive the attention it deserves.

  1. Being present
  2. Managing for market risks
  3. Controlling costs

 Strategy #3: Controlling Costs

 

Don’t spend more ...

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Forest for the Trees – Strategy #2: Manage Market Risks

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tree images

In our last Financial TIP, we described why most investors should ignore the never-ending onslaught of unpredictable financial news and focus on three strategies that can be much more readily managed. At least once you know they are there these potent strategies include:

  1. Being present
  2. Managing for market risks
  3. Controlling costs

 Strategy #2: Managing for Market Risks

 

Why take on more risk than you need.

There is no getting around the fact ...

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Forest for the Trees – Investment Strategy #1: Being Present

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do you see forest or trees

We have all heard the idiom that someone “can’t see the forest for the trees”. This means that they are so involved with the details of a situation that they lose sight of the larger issue. This idiom also applies to investment strategies. Let me explain; if you have ever created a power point slide you understand that white space is just as important as the ...

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How Bad Market News is not as Bad as it Initially Appears

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stock volatility

I wanted to reach out and help you put today’s market news in its proper perspective, especially when the media is reporting particularly steep, global market declines in a vacuum.

If you are okay with ignoring the current headlines and going about your business according to your carefully developed Investment Policy Statement, feel free to continue as you were. Unless you would like to revisit your own risk tolerances or individual ...

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