Monthly Insights

"Ideas shape the course of history." -John Maynard Keynes

February 2017 Monthly Insight: Exponential Growth

Posted by on Wednesday, February 15th, 2017 in Investing, Monthly Insights, Retirement | 0 comments

“The greatest shortcoming of the human race is the inability to understand the exponential function.” – Dr. Albert Bartlett Do you understand the theory of exponential growth and its relationship to investing? Could you teach the concepts to a middle school class? Well, if not, you are in a large majority of investors. People tend to think linearly, so many of us have trouble grasping the effect of compounding, or exponential growth. For example, if you saved a penny on February 1 and then doubled that the next day to save 2 pennies on...

read more

January 2017 Monthly Insight: Looking Back and Looking Forward

Posted by on Sunday, January 15th, 2017 in Investing, Market and Economic Updates, Monthly Insights | 0 comments

“A year from now, you’re gonna weigh more or less than what you do right now.” -Phil “Dr. Phil” McGraw The year in review The corollary to Dr. Phil’s quote above is, “A year from now the market will be more or less than it is now.”  No one knows where 2017 will end up, but we do know how 2016 went. We could say the markets were without order or control, but we prefer to use wild and woolly.  It started out in a very rocky fashion, with comparisons to 2008 that were too numerous to count.  However, let’s be clear. As we’ve emphasized in...

read more

December 2016 Monthly Insight: Are You Ready for 2017?

Posted by on Thursday, December 15th, 2016 in Investing, Monthly Insights, Personal Finance, Retirement | 0 comments

Let our advance worrying become advance thinking and planning. — Winston Churchill We are excited to announce that our new website is up and running!  Please go to for a look at our completely updated site.  We’d love for you to peruse the new content about our team members, our company background, and the many ways we work with our clients. We especially hope our blog and thought leadership articles will prove useful to you.  You can also find our disclosure statement and a link to Schwab Alliance on the site.  If you...

read more

November 2016 Monthly Insight: The Bond Issue

Posted by on Tuesday, November 15th, 2016 in Investing, Market and Economic Updates, Monthly Insights, Retirement | 0 comments

When people think of investing most think of the stocks of companies in the Dow Jones Industrial Average or the S&P 500.  However, almost all our clients’ accounts have bonds too as part of a well-diversified portfolio.  Bonds (Fixed Income) are debt securities issued by companies, state and local governments, and the U.S. Federal Government that obligates the issuer/borrower to pay interest to the lender/investor for a specific time period and then reimburse the original principal amount at the end of that time. Bonds have existed...

read more

October 2016 Monthly Insight: Potential Volatility on the Horizon

Posted by on Saturday, October 15th, 2016 in Investing, Market and Economic Updates, Monthly Insights, Personal Finance | 0 comments

“In times like these, it helps to recall that there have always been times like these.” – Paul Harvey As we enter the fourth quarter of 2016, it’s worth noting that this long-running bull market has now lasted nearly seven and a half years.  If that seems hard to believe, let us remind you that the S&P 500 index hit the Great Recession low of 677 on March 9, 2009.  Yet on September 30, 2016, the market closed at 2,168, up over 220% since the 2009 bottom on a price basis, not including dividends.  Since we’re now into...

read more