1-520-327-1019 info@wellspringfp.com

Fruits of Your Labor

  Perhaps we’re in a bit of a challenging mood, but as we write on this Labor Day, we simply want to know if our money is laboring as hard as we are.  With the great efforts and deep sacrifices you’ve made to accumulate the very nice pot of dollars you have in your accounts, you definitely deserve to know the same. Here are the answers; As you know, you are invested “passively”.  The alternative investment philosophy as you…

Read More >

The Trouble with Skydiving

According to a new Nationwide Financial survey of potential investors with at least $100,000 in investible assets, 83% fear another financial crisis and 62% are scared of investing in the stock market.  That is more than the 58% who fear death and the 57% who fear public speaking.  The only common fear that evokes similar distress is skydiving (81%). Wow!  We need to dissect the ramifications of this study a little bit. The avoidance solution exhibited by too…

Read More >

No Free Lunch

  We’d like to talk a little about interest rates and bond markets in this article.  The topic is misunderstood by many and can be very complicated, but there are some truisms that can never be ignored.  They are; Bond prices move inversely to interest rates. e. if interest rates go down, bond prices will go up.  And visa-verse. Of the many types of risk in bonds, two are dominant; Credit risk; the likelihood of getting paid back by…

Read More >

The Bad Bet Trifecta

  Let us briefly summarize the three most common sentiments that investors experience.  They manifest themselves in utterings like; With the world in such miserable shape due to (insert name) crisis, and the market down by 28%, I think the bottom is falling out. We need to sell and protect the little bit we have left. The market is doing so well lately that it simply cannot last. It has to crash.  Should we get out now? Look at…

Read More >

The Price of Happiness

  We find our world an interesting place these days and want to give you two helpful perspectives in this communication.  One relates to the financial markets directly, which you would expect us to comment on as your advisor.  The other relates to happiness in life, which both directly and indirectly relates to your finances.  We hope you find both educational and useful. In an unprecedented move, yesterday saw the largest bond offering EVER by a private company; Apple’s…

Read More >

It’s Baseball Season

We do live in interesting times. Over the past two years, the voices yelling loudest in the markets had three common themes; Inflation is going to run rampant and buying gold is the only way to go (the cacophony of radio ads touting their services are just one of the more obvious examples of this fact) The impasse in Washington (debt limits, sequesters, etc.) will cause the economy to tank and stocks to get slammed Investors need to pick…

Read More >

The Biggest Risk

  We’ve talked more recently about returns of the stock market (capitalism by any other name) and the mix with them in your portfolio of fixed income instruments (various type of bonds), but some people (perhaps even friends of yours) say ‘those things are risky’.   Let us be unmistakably clear; sure, they have some risk, but in your case it is ‘compensated risk’.  In finance parlance, that means you are getting something for the risk you are taking.  Last…

Read More >

Discipline

  Last month we wrote about the five things a person needs to do to be fiscally successful.  This month we just want to highlight one of those aspects and its seminal importance to an investor’s positive outcome. By way of introduction, we point out an interesting fact; the 2002 Nobel Prize in Economics wasn’t awarded to a finance genius or world economist.  Instead, it was won by a psychologist (Dr. Daniel Kanneman).  His claim to fame?  He and…

Read More >

The Proof is in the Pudding

  You know that we are a strong advocate of having a good financial plan.  However, sooner or later you have to make the plan happen…and it is investments and how you act on them that make it possible.  Let us purely focus on the numbers here because we’ve been talking about equities and faith in the private markets for a year.  In that light, let’s see what happened in your portfolio.  Contrasted against all the below numbers, while you…

Read More >

All That Jazz

  The New Year is here.  You have many things to do, and possibly a few resolutions to mull upon if not implement.  In that light, let us herein be brief so as to not load you with too much reading in the first days of 2013. “All That Jazz” was a movie about Broadway, womanizing and drugs.  Yet its undercurrent theme, at least to us, was hard work.  Sweat laden hard work produced good results in spite of…

Read More >