Clarity Coaching Tips

Here you will find many tidbits of coaching and financial information that often needs to be clarified for most American investors. Some of the information is very basic and in the form of a current market update. Some of the information is timely topics, based on current social political and economic climate. Some of these are strategies, ideas, and concepts that we have picked up through the years and implemented in our practice. Basically a soup to nuts area of information on all things financial.

 

Check out our Clarity Coaching Video Clips and the “It’s Your Money” podcasts for more tidbits that might pique your interest.

Large US Companies’ Cautionary Tale

State College, PA – Large growth companies have been the top performing asset class for the last several years starting back in 2014. They have been better than small and value companies by comparison in six of the last seven years.  This environment does create pause for the academic minded investor knowing the historic reality […]

COVID vs. Capitalism

Lewisburg, PA – COVID crisis! Is it the end of life as we known it? Is there really going to be a ”new normal” moving forward? My guess would be a resounding NO! I’m occasionally accused of being too optimistic, some might say Pollyanna. I submit to you that it’s easy to be optimistic when […]

Corona Virus and Modern Financial Industry

State College, PA – They say that imitation is the sincerest form of flattery. As I look back at 20 years in the business, I see a fingerprint on the national scale that was created by a small group of independent advisers. This group of advisers decided they wanted to educate the public about the […]

Do-It-Yourself Investing

State College, PA – It seems in the last few years, there has been a strong push in the financial arena encouraging people to “Do-It-Yourself”. The idea that with technology and the availability of information, people can have access to low broker trade arrangements to set up their portfolios and allow a computer to automatically […]

Burning Cash for a Car?

Lewisburg, PA – The total amount of the current US auto loan debt level has surpassed $1trillion and is currently $1.092trillion! Some believe that this, along with student debt, is the next bubble. So, what is the best way to pay for a car, cash or by financing with a loan? Most people that you […]

Stock Picking: Confident Assertion or Financial Folly

Have you ever personally experienced a Confident Assertion within yourself or while observing others? I think it’s interesting in the area finance, how many Confident Assertions are made about the stock market. Then with hindsight become a bitter punch line, more so than a reality. We see this with recommendations from bullies on Wall Street; […]

The Real Cost of Safe Money

Altoona, PA – A fellow Investor Coach shared a story about a Senior Citizen on a radio talk show the other day, lamenting about the ultra-low CD rates the banks are now paying. He had recently spent an entire afternoon visiting one bank after another, trying to eke out a few extra pennies to help […]

Municipal Bond? Safe or Sham?

State College, PA – It has happened again!  Investors depending on municipal bonds for a secure retirement should be concerned.  For the second time in three years, the Security and Exchange Commission has slapped another state with securities fraud.  Recently, the SEC charged Illinois with misleading its municipal bond investors. In a press release, the […]

From My Daily Journal

A trend we have noticed among baby boomers that we have recently coached up about global market returns is a lot of people exhibit concern and worried body language. When we discuss retirement planning and income needs, not only is there a high percentage of fear, but some of the people that I’m talking to […]

A Broken Record

The more I study my industry, the more I’m noticing that the news of pessimism, fear, and greed, are always in cycle and at play. The more I identify these strategies and share them, I know I must sound like a broken record. The sensational opinion laded broadcasts are starting to actually become a daily […]

Do Not Give Up

For those of you that know me, you know that I am an eternal proactive optimist, balanced with a dose of realism, and a sprinkle of discernment. I have always prided myself on the ability to take complex issues and simplify them, that is my unique ability and why I love coaching so much. As […]

College Potential Not Promise

I was reading an article recently talking about reinventing college planning. This newly compiled data offers some interesting talking points or conversational topics. It’s estimated that by 2020, 65% of all jobs will require a post secondary education. They argue that having fewer degrees threatens our global competitiveness. I really can’t speak to that out […]

Income – Reverse Engineerin​g

A recent article talked about how a multiplier of eight times your income is the approximate size of the nest egg one would need in order to retire comfortably. In our planning process we prefer not to pull numbers out of the air. Is eight the right number? It may be or may not be. […]

Preparing For Peace of Mind

As Investment Advisors we experience firsthand the roller coaster that many individuals go on emotionally when they start to think about the monumental task of retirement planning. Most issues in retirement can be explained in a logical manner that in reality should trump the emotion. We believe education leads to clarity, clarity to confidence, and […]

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 […]