We have lot of people who come to us who quickly say they wished they’d come to us many years before.
We get calls every week from people wanting to do a financial plan; but almost no one who calls is familiar with what a financial plan really is.
Folks are calling because they feel a bit lost and overwhelmed with their personal finances and they want a professional to give them very clear feedback and advice.
Am I saving enough for retirement?
Decades ago a brave few souls took a look at the financial services industry and decided there must be a better way. Huge firms, primarily concerned with their own profits, were deep in it for themselves and while the pitch, products, and pricing have evolved over time, not much has changed with regards to the way these firms do business and treat their clients.
Most people don’t like debt hanging over their head and a feeling of security comes from the idea they would own their house outright.
Q4 2017 – January 4
Have you ever heard of the 60-40 portfolio? 60% in stocks and 40% in bonds, or bonds and cash. This is the most common stock to bond allocation used for retirees.
Theoretically investor risk surveys are going to pair a person’s risk tolerance with an appropriate portfolio which will help them “stay the course.”
When people try to sell me risk survey software they’re not selling how it will benefit my clients but how it will help me “engage more prospects,” and, “win more business.”
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The second quarter was strong overall. A steady, boring (in a good way) upward trend was the theme A bit of occasional selling pressure was quickly met with underlying support.
We’ve had a nice start to 2017.
Many stock indices around the globe returned decent to very strong numbers.
So far this year our emerging markets fund is up 13.68%, international small cap value up 7.73%, momentum up 9.26%, S&P 500 up 6.03%.