Monthly Insights


Last week Don and I sent out a special newsletter that highlighted historical market volatility and average recovery time it has taken the markets to return to previous highs. For example, investors can expect draws down of approximately 10% about once a year. A market drop of 10% is commonly referred to as a “correction”. From the bottom of a correction it takes about 8 months to recover. For this month’s letter I started thinking...

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Social Security offers U.S. Government-guaranteed, inflation-adjusted lifetime income.  Having such a guaranteed income is of great importance to most retirees, and it’s important to understand how timing and claiming decisions for Social Security can have an impact on the strategy you employ for drawing from other retirement assets.  Just as you evaluate the investments you hold in your retirement portfolio, you should also review...

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Over the last month, Don and I have watched with passive interest the long-running saga regarding the potential of Greece defaulting on its scheduled debt payment on June 30.  This “Greek tragedy” has actually been running since at least December 2009.  As a matter of fact, since Greece won its independence from the Ottoman Empire in 1832, it has been in default or rescheduling its debt 51% of the time.  Last Tuesday,...

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One of the important tenets of financial and retirement planning is to strategically match your upcoming liabilities (such as college funding, a second home purchase, or retirement income) to assets in your savings or investment accounts.  Notice we mention two types of accounts, the savings account and the investment account.  It’s not necessary to have two distinct and separate accounts, but you should know that there is a...

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What comes to mind when you hear the name Warren Buffett – investor, mutual fund manager, CEO, entrepreneur, stock picker, philanthropist, or billionaire? Or maybe something else comes to mind? Whatever you think, one thing is clear: he has made a lot of money investing over the years.  If you’re counting, Forbes’ 2015 ranking places his net worth at $72.7 billion, which makes him the third wealthiest person in the world behind...

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Monday, March 9 is the sixth anniversary of the S&P 500 hitting bottom after dropping over 57% from peak-to-trough over the previous 17 months.  In other words, from October 2007 to March 2009 the market dropped 57% and then for no reason anyone can identify and at a time no one expected the fall ended.  Just like that, it was over.  On that day, the S&P 500 closed at 676.53.  The very next day, it was up 6.4%.  At the end of...

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