The Investor’s Dilemma

Investments, income planning, portfolio construction, and tax planning are just a few topics that throw many people into the investor dilemma mindset. We are all emotional individuals; we want to be secure in our future financially. This need for security leads us to try to forecast our financial future. As we embark on a journey […]

Are You Diversified?

When it comes to portfolio construction, as well as portfolio allocation, one of the biggest areas that investors do not understand is the concept of dissimilar price movement. A simple example would be the idea of owning umbrella companies and sun tan lotion companies. Umbrella companies, unto themselves may be volatile, and sun lotion companies, […]

Coin Flipping

There’s a saying I’ve heard through the years, “Nobody loses in Vegas “. This makes me think of a relatively new area of financial study amongst many of the top university finance programs. The area of study is designed to understand better about investor behavior and psychology. We have learned more about this particular field from […]

Lies

You don’t know what you don’t know! Simple, but profound. As an investor you may fall victim to the lies of the financial industry, including large investment institutions and the financial media. Belief in and action taken based on these fallacies have caused thousands of investors to lose massive amounts of their investment monies. The […]

If You Can’t Beat Them, Join Them

Lewisburg, PA – The goal of investing is to get an overall market return. The stock market consists of large cap, small cap, micro cap; value and growth; developed international large, emerging markets, emerging small, and emerging value companies. Additionally, there is fixed income, cash, T-bills, and bonds. A broad based, global portfolio may hold […]

Wealth Management: It’s a Wonderful Life

This classic gem directed by Frank Capra is one of my favorite movies and a sure watch every holiday season. It’s a story of an angel working to get his wings, and his task is to help a compassionate but despairingly frustrated busi- nessman by showing what life would have been like if he had never […]

Interest Rates & the Price of Tea in China

Altoona, PA – The price of tea in China has been rising dramatically due to supply and demand. Some of the higher end teas are actually being hoarded after the price jumped 50% last year. Pu’er tea, a brew thought to have medicinal qualities, is grown in a remote southwestern province of Yunnan. At the […]

The Portfolio MRI

Is the goal of investing to get a yield/return? Specifically isn’t the goal of investing in the stock market to achieve a market rate of a return? The resounding answer is yes! In the last couple of decades, at various “Retirement Planning Today” classes that we conduct at local schools and universities, as well face to face […]

LTC Plan Design: Half a Loaf is Better Than None

State College, PA – Many years ago one of my mentors was famous for saying, “Half a loaf is better than none”. Maybe you’ve heard this old saying. It implies that it’s better to get half of something, than lose out accepting only the whole. I think of this phrase often when designing long-term care […]

Long-Term Care Planning: Logic or Emotional Paradigm?

Lewisburg, PA – When we get right down to the nitty-gritty of planning for this particular issue we consistently find it is the toughest question to answer, should one have a plan for LTC? What makes this issue ultimately so difficult to decide is that we do not know until the final analysis if care […]

What’s Up Kemosabe?

Lewisburg, PA – Tonto: “The market is up and I am not. What’s the story Kemosabe?” Kemosabe: “What do you mean the market is up?” Tonto: “According to the telegraph office the market is hitting new highs on a regular basis.” Kemosabe: “The total market is not reaching new heights, only one sector, the S&P […]

Buckle Up, It’s Getting Turbulent!

State College, PA – I learned aviation slang for turbulence is called dirty air. What has been going on in the market is like dirty air? Recently we have seen the wildest ride on the Dow Jones industrial average in 17 years. Dow Jones is a representation of how large companies are doing and we […]

Evolution of Passive Index Investing!

Lewisburg, PA – Recently I was reading an article from John Bogle founder of Vanguard. John is well known in financial circles as one of the champions of passive investing using index funds. John came from a strong academic background; as such passive index investing makes total sense. He was one of many noted academic […]

What is the “New View” of Retirement?

State College, PA – Many of us today get all caught up in everyday living that we don’t put much priority on looking ahead into our “Golden Years” of retirement. We can no longer plan like our parents and grandparents. – It’s important to determine the amount of money that you will need in retirement […]

Investment Cost: Advisor Beware or Investor Beware

State College, PA – “How are you paid” is a common refrain heard by those working in the financial industry. One would think this is a very black and white, yes or no type of question. Unfortunately within the financial services industry, it can be quite a complex answer when you consider the various components […]