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Resources / Education

Steady As She Goes

  As we were initially drafting this article in late May 2012, we was referencing the markets falling off from its first quarter 2012 peak.  Now, as of this June 1, 2012 writing, we observe the market dropping another 250-300 points mid-day and thought about revising the message. But we’re not.  The message is the exact same. Three main points; Markets go up and they go down.  They roared up in the 4th quarter 2011 and 1st quarter 2012 (between…

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It’s A Matter Of Ethics

  Let us tell you a story. We spent 7 years researching the financial services industry.  In the process, we learned about investments, various product structures, performance, risk and the best ways to do professional financial planning.  However, in the process, we also learned the details on the industry’s little tricks, how it presents things to look good when they are not, how payments flow, and where the conflicts lie.  It was those secondary elements of learning that we…

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All Hat, No Saddle

  This article focuses not on the imperative of having great investments—that message is easy and low hanging fruit.  The message instead is that over my years we’ve come to understand that investments are actually secondary to the greatest problem investors have: reacting emotionally to markets and not intellectually. Take a look at the almost perfectly juxtaposed graphs embedded below.  They represent; The inevitable rise in the Dow Jones Industrial Average (DJIA) from its great recession low on March 9,…

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Safe Is Risk

  The world these days seems uncertain, but your investments here have performed like gangbusters.  Congratulations on staying exactly with the plan we put together which makes you a great investor (and one with higher wealth to go along with it). That result makes everyone happy but, as you know, we are numbers guys and think long term.  We want to make sure you’re next 20 plus years are good ones.  Many folks are these days looking for safety, and…

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Success Isn’t Magic

  One of the greatest myths of Wall Street is that you have to be complicated in approach to win the financial security game.  That statement, like much of what Wall Street would espouse, is lacking in veracity.  Or, in my old Minnesota vernacular, it’s a lie. Like Steve Jobs of Apple would advocate, the beauty of things lies in their simplification.  There are really only five things a person has to do right to have a successful financial…

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The Reality View

There are many scary news blasts these days leading up to the Holidays.  This article is to give you some respite from those unsettling financial stories and to talk about something truly as dramatic, yet is little talked about in the media.  Still, it’s very important for you to know if you are to be financially astute and successful. Rather than ‘the troubles’ (as the Irish would call some of their darkest moments), what if we actually were watching…

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The Norm of Volatility

We’ve got turmoil in the financial world and, generally speaking, nobody is happy about it.  All client portfolios took a hit in the 3rd Quarter, and September was absolutely brutal for equities (stocks).  Just so we’re not conveniently avoiding the conversation, your portfolio got hit a little harder that ‘average’ as it is tilted toward the spots that have better return over the long run.  The small and value companies got hit in this quarter of heightened uncertainly.  Yet…

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