Archive | Investing

Houston, We Have a Problem

Remember the movie Apollo 13 starring Tom Hanks, Kevin Bacon, and the late Bill Paxton? The crew famously called Houston Mission Control after discovering serious mechanical problems on the spacecraft and uttered the phrase “Houston, we have a problem”. The main problem that all of us share, as humans, is a striking inability to objectively […]

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Risk and Return are inseparable; Diversification is essential

One of the most damaging myths that Wall Street brokers spread is that somehow, someway, you can obtain high returns with low risk. This is objectively untrue. Different investments have different expected returns, largely based on the type of investment, (stocks versus bonds), and other recognized dimensions of risk. While risk is a necessary part […]

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The Two Questions Everyone Needs To Answer

Will you make it financially? Do you know your financial blindspots? These two questions form the backbone of our holistic approach to personal financial planning. These questions also are the common bond that all of our clients share. If your financial life is arranged so that you can maintain your current lifestyle for the balance […]

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Four Steps Towards Financial Independence

Most investors obtain their understanding, (or misunderstanding), about personal financial issues from heavily biased sources (like investment providers). There is a better way, where your financial health is concerned. Here are four specific steps that will improve the probabilities of success. Commit to learning about financial market history and the academic findings, (evidence), which constitute […]

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Want the Antidote to Market Worry?

I read an interesting comment Coach Frank Martin made to his U.S.C. basketball team after losing a couple games towards the end of the regular season. He told them, “adversity is part of the deal”. Indeed, that is so in every aspect of life. If the stock market goes down a few days in a […]

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How To Deal With Life’s Unexpected Moments?

Life is made up of many unexpected moments, both those that are good, as well as those, not so good. This is exactly what financial planning is about; helping you navigate a path towards your goals, especially when things “go bump in the night”. A few years ago, a documentary film about former Secretary of […]

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What if Your Financial Life Wasn’t a Hodgepodge?

Ever wonder why your financial life is such a hodgepodge? While this term has several meanings, in this context, “ a confused mixture” might fit best. If you are like many of folks that we see, your financial life may indeed be “ a confused mixture”. But that isn’t the real issue. The question is […]

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Why Rebalance?

Over the past few weeks, we have reviewed several components of our financial planning process and how these can create value for you. Today, we want to discuss rebalancing your portfolio as a critical technique for keeping your investments in sync. The basic purpose of rebalancing is to maintain the overall target asset allocation level […]

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What We Do; What We Don’t

A few months ago we put together a simple two-sided page that outlines our four primary components of value. Taken together, these four factors comprise the functional and strategic ways that we create value for our clients. Financial planning involves much more than just investment returns. We strongly believe that the more clients, prospective clients […]

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The Horns of a Dilemma

The financial world is noisy and it’s easy to become distracted from your most important long-term goals. One way to cut through the noise is to focus on just the two factors that ultimately determine your approach to everything else in your financial life; namely, Market Risk and Shortfall Risk. Market Risk is the inherent […]

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