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What’s on our mind? You can read about it in our blog. Whether it’s industry and market news, ideas for asset protection and wealth management, or emerging trends, you can read about it here. So keep checking in. We’re glad to have you reading along.

 

Wednesday, April 14, 2021

It can be exhausting trying to keep up with the whims of Wall Street.Lately, the financial markets have been fixated on federal taxes and what may be proposed on Capitol Hill in the weeks and months ahead.Wall Street’s focus on...

 

Wednesday, April 7, 2021

Think you don’t need disability coverage? Think again. We draft a will. Create an estate strategy. And purchase life insurance. But few of us consider disability insurance – the coverage that can help us maintain our...

 

Thursday, March 4, 2021

One time-tested principle of investing is, "when bond yields move higher, bond prices tend to move lower." Investors are doing a "double take" on the 10-year Treasury yield, which recently topped 1.5% — its highest level in about...

 

Saturday, February 20, 2021

2021 is the final year to lock in the 4% guaranteed interest rate used to determine cash values for permanent life insurance policies. Don't miss this opportunity to

 

Tuesday, February 9, 2021

Market Review This market has been exceptional and has hit many new records, see below about market history and remember the famous quote about “Irrational Exuberance” regarding the dot-com bubble of the 1990s from past...

 

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Tuesday, February 2, 2021

Why People are Fleeing High-Tax States Like California

 

Monday, January 11, 2021

I am getting calls daily from new small investors (flash back to the year 1999 through the first quarter of 2000) who want to invest their hard earned money because they feel they are missing this bull market. Remember the...

 

Monday, December 14, 2020

In my opinion, our daily living challenges are food, shelter and medical care costs which account for 65.70 of CPI, which is quickly escalating. Just food alone has seen about a 27% jump. See below charts. The Consumer Price Index...

 

Wednesday, December 9, 2020

News Flash! Even before the new stimulus bill has been passed, check out M1 money supply in November, 2020. The last time a jump like this was in March. This reminds me of a song from Dire Straits - Money for Nothing...and, yes, this...

 

Thursday, December 3, 2020

There have been 404 IPOs on the US stock market this year, as of November 27, 2020. That is +82.0% more than the same time in 2019, which had 222 IPOs by this date. Are “They” (Venture capitalist and Hedge Funds) getting...

 

Tuesday, December 1, 2020

Manhattan Institute has published an easy to understand review of the long-term fiscal outlook based on the CBO's latest (September) 30 year projection. This explains why even under a 'rosy scenario'—no new wars, no new...

 

Saturday, November 28, 2020

US DOLLAR REVIEW Like the boiling frog fable, US dollar is slowly being burned alive. Are investors going to continue to invest in a devaluing currency or look to diversify into investments with more stability? “Mega” Cycle...

 

Tuesday, November 10, 2020

These indicators aren't useful as short-term signals of market direction. Periods of over- and under-valuation can last for many years. But they can play a role in framing longer-term expectations of investment returns. At present,...

 

Wednesday, October 28, 2020

Many people feel encouraged by the Social Security office to take benefits at age 62. If you are working and/or in good healthyou could benefit in the long term by delaying taking Social Security. If you start receiving benefits at...

 

Thursday, October 15, 2020

We are not predicting the future just showing you the direction. CORE ASSET CLASSES - (Finding Value with Time Line Expectations) CASH EQUIVALENTS Equities Bonds Real Estate Gold Precious Metal & Commodities Alternative investments...

 

Monday, August 31, 2020

“Freeze” Your Estate and Shift Wealth Using a Note Sale to an Intentionally Defective Grantor Trust At this time, unless Congress acts, the current lifetime estate tax exemption amount of $11,580,000 is set to sunset in...

 

Wednesday, March 25, 2020

YES, it did. We are here to help you review your financial options. Please go to Schedule Appointment or call Julie Elliott at 916-833-6100 or 800-925-2050 to schedule a time. You can also find a link to schedule an appointment at the...

 

Wednesday, March 18, 2020

As we’ve already seen, the COVID-19 virus has created uncertainty around the globe and within financial markets. Given the potential spread of the virus over the coming weeks, we’re anticipating additional market impacts....

 

Wednesday, March 18, 2020

As the situation with coronavirus (COVID-19) continues to develop, our entire team is ready and standing by to support you. Is your risk tolerance aligned with your portfolio's risk exposure? Do you have a diversified mix of stocks,...

 

Thursday, June 21, 2018

Is your risk tolerance aligned with your portfolio's risk exposure? Do you have a diversified mix of stocks, bonds, and cash in your portfolio to manage your risk? Is your portfolio actively managed to potentially reduce your exposure...

 

Friday, April 28, 2017

Technology has not just shrunk the tools we use, but it has allowed small businesses the power to operate like a big business. These tools can help small businesses get better organized, efficiently manage their finances, or support...

 

Thursday, April 13, 2017

“The investor's chief problem - and even his worst enemy - is likely to be himself.”-- Benjamin Graham. Few investors know the true key to successful investing. Here’s a pop quiz to see if you do.

 

Wednesday, February 15, 2017

Boiling Frog Syndrome refers to a widespread cautionary tale describing a frog slowly being boiled alive. Don't be the frog.

 

Thursday, January 5, 2017

These are definitely interesting times. My financial services career started in 1987, and I have seen a lot of changes and ideas/concepts come and go. I have watched events and people defy logic for a period of time only to witness...

 

Thursday, December 15, 2016

Dynamic goals-based planning along with active investment management helps to make sure you are not left behind on a prickly perch.

 

Monday, August 29, 2016

You should know - Earnings for the last 12 months came in around $86.66 per share, meaning that the market is being valued at a P/E ratio of 25.1. For perspective, the historical average P/E ratio is 15.6. Reported earnings for the S&P...

 

Monday, June 27, 2016

After decades of stable financial models came to a halt in 2008, with global central banks’ untested multiple quantitative easing projects (I know, tongue twister!) and world political models (starting with WWII and leading up to...

 

Tuesday, June 7, 2016

5 Common Myths About Disability Insurance Most people understand the importance and necessity of life insurance to protect their loved ones in case of their premature death, yet most people also fail to protect their most valuable...

 

Friday, June 3, 2016

Asset Protection 101: Liquidity squeeze. When the tide goes out how much ripetide can your assets handle? Margin debt grew at a rate comparable to the market from 1995 to late summer of 2000 before soaring into amazing levels. After...

 

Monday, May 23, 2016

DOW AND S&P 500 REMAIN IN SIDEWAYS PATTERN AFTER PASSING ONE-YEAR ANNIVERSARY OF MAY 2015 TOP Price is still in a declining trend despite Friday’s rally. I believe the head and shoulders formation we have been watching on the SPY...

 

Thursday, May 19, 2016

Great Bloomberg article that delves into the reasons why between a third and half of Americans are unprepared financially for common emergencies and are barely getting by, living paycheck to paycheck. Interesting insights comparing our...

 

Friday, April 22, 2016

You have heard me say throughout my blogs. It’s not about your return on principal but return of your principal and interest. Example question: If I can buy a gallon of milk today will my investments allow me to buy the same...

 

Wednesday, April 20, 2016

Here is the bottom line on current market conditions. I continue to maintain that we are in a short term bounce top within a medium term sideways market but are leaning into a long term slower bear market scenario. And once the current...

 

Thursday, March 10, 2016

HOW ABOUT A SIDEWAYS MARKET? The market is giving off conflicting messages. Technical indicators are showing improvement. Market leadership, however, shows a generally defensive posture. This leads me to suspect that the current market...

 

Friday, February 26, 2016

One of the most common questions people ask about Social Security is when they should start taking benefits. This is the $64,000 question. Making the right decision for you can have a meaningful impact on your financial income in...

 

Friday, February 5, 2016

We are bombarded with information from sources such as the Federal Reserve, television analysts, brokerage firm analysts, economists’ projections, newspapers, junk mail, neighbors, war reporters, etc. Making investment decisions...

 

Friday, January 8, 2016

Erosion Continues, DO YOU have RISK controls in place? Do you know your RISK Numbers? Review our Blog dated August 20th 2015 and understand trends are important to understand. Russell 2000 & NYSE Composite are both down over 10% in...

 

Tuesday, December 8, 2015

Anticipating & Projecting Portfolio Returns in a low growth environment. We do encourage everyone to monitor their investment allocations, goals, and time horizons. We do not encourage market timing. Past results do not predict future...

 

Monday, November 16, 2015

Review Your Investment Allocation Model Today November 14th 2015 Are You Being Paid for the Risk, Stay Alert Right Now! Anticipating & Projecting Portfolio Returns in a low growth environment. We do encourage everyone to monitor their...

 

Wednesday, September 23, 2015

Stay Alert Right Now! 09/23/2015 We do encourage everyone to monitor their investment allocations, goals, and time horizons. We do not encourage market timing. Past results do not predict future returns. Charts are for illustrative...

 

Thursday, September 10, 2015

Consider Life Insurance as a piece of your investment portfolio... Because Whole Life insurance is a significant asset, it makes sense to view it as its own asset class.

 

Thursday, August 20, 2015

Stay alert! We do not encourage market timing. Past results do not predict future returns. We do encourage everyone to monitor their investment allocations, goals, and time horizons.

 

Friday, August 14, 2015

Federal estate taxes have been a source of funding for the federal government almost since the U.S. was founded.

 

Friday, June 19, 2015

Charles de Gaulle once remarked, “The graveyards are full of indispensable men.”¹ While we know that life goes on regardless of the loss of any “indispensable” person, for a small business, the loss of a key person is not only a human...

 

Friday, June 19, 2015

High-net-worth investors face investment challenges that some would consider unique to their financial status. The fundamental tenants of investing apply equally to them as with any other investor, but the affluent investor needs to be...

 

Friday, June 19, 2015

With international stock markets comprising about two-thirds of the world’s capitalization, a broad range of investment opportunities exist outside the borders of the U.S.¹ For investors who are looking to diversify their mutual fund...

 

Friday, June 19, 2015

Tip: Rebalancing Schedule. When to rebalance? There is no set rule. Some rebalance when their portfolio’s allocation is off by a specific percentage — say 5%. Others may be comfortable setting the target higher or lower.Everyone loves...

 

Friday, June 19, 2015

Inc. magazine reported that 66% of small-business owners have no formal succession plan.¹ While the number may shock you, it is not surprising that many small business owners are consumed by the myriad responsibilities of running their...

 

Friday, June 19, 2015

Fast Fact: Estate Tax Changes. In 2010, the estate tax expired. It was reinstated by Congress as part of the Taxpayer Relief Act of 2010, with a maximum estate tax rate of 35% and a unified credit that effectively exempts the first $5...