facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause

Insights - What's on our mind

Reflections on the Current Market Environment - New Investor Edition Thumbnail

Reflections on the Current Market Environment - New Investor Edition

The current level of the stock market is an enigma for many. Stocks appear to be reflecting rosy future growth projections and many large cap index funds are seeing their returns driven primarily by the growth of stocks like Apple, Google, Facebook, Netflix, Tesla, Microsoft and Amazon. For any new investor, this frothy environment represents a difficult starting point for their portfolio. The good news is that if you have a long term time horizon, namely more than ten year and up to 50 years depending upon your current age, the stock market is still a great tool for you to help grow your savings. Distortions within indices tend to be temporary and over the long term the index will readjust to reflect the performance of the index asset class.

Read more...
Widows: You Don't Need to do Anything Now, You Have Time Thumbnail

Widows: You Don't Need to do Anything Now, You Have Time

I am blessed to work with a great group of clients. Unfortunately, many of them have been through the process of losing a spouse. Every situation presents itself differently, and every widow or widower I speak with has dealt differently with the grieving process. This is to be expected as we are all individuals and the relationships we are losing were all built upon very different foundations. Thus, when I am asked for general advice about dealing with finances after a major loss, I usually hesitate as there is no one correct answer for everyone. But, there is one piece of advice that I have heard consistently from widows and widowers, namely, that you have time.

Read more...
Should I Retire Early: 9 Questions You Should Ask Yourself First Thumbnail

Should I Retire Early: 9 Questions You Should Ask Yourself First

I am often asked by my younger clients and those in their mid-career stage (ages 50 - 60) whether or not they should consider retiring early. This is a great question to ask and unfortunately I don't have a straight answer for you. As with most things in life, the answer depends and it is a highly personal decision. In order to help clients assess their readiness for retirement, both financially and psychologically, here are some of the questions I like them to answer. While this list is not exhaustive, nor necessarily in order of importance, it will give you a good place to start on your path to deciding your retirement plans and will hopefully open up new areas for consideration and exploration. At the end of the day, the goal is to help you make the best retirement choices possible, for you, your spouse or partner, your family and your friends.

Read more...
Hedge Funds vs. Private Equity: A Quick Overview Thumbnail

Hedge Funds vs. Private Equity: A Quick Overview

The term hedge fund has evolved from the early days when hedge funds actually hedged their positions as compared to the general markets. Today, though, hedge funds are private investment funds that follow a variety of strategies (Global Macro, market neutral, Long/Short, commodities, etc.) many using leverage, in order to generate outsized returns (many times with outsized risks) versus the market. In many ways they are less-regulated mutual funds with higher fees. Their performance across time has been shown to be relatively average (with high costs) and many large institutions have begun to pare back their exposure to the funds.

Read more...