In the News

What's in Your Emergency Toolkit?

By Kathy Longo, CFP®, CAP®, CDFA

Friday, 17 February 2017

What's in Your Emergency Toolkit?

You probably have an emergency kit in the trunk of your car or in the storage space in your SUV. Jumper cables, flares and other tools come in handy if you get in an accident or are stranded on the road.

If you’re an exceptionally cautious person, you may also have an emergency kit in your home. Batteries, flashlights, bottled water and other essentials can be lifesavers in case you lose electricity or other vital services for several days.

But what if you face a financial emergency? If an unplanned event alters your financial situation—if you or your spouse lose a job, or an adult child moves back into your home—how would you manage with less income or more household expenses? What if you or someone in your family suffers a critical illness or debilitating injury? Are you and other family members ready to manage someone else’s financial affairs? 

What to do When There is Threat of Market Fluctuation

By Kathy Longo, CFP®, CAP®, CDFA

Friday, 03 February 2017

What to do When There is Threat of Market Fluctuation

One of our responsibilities as an investment advisor is to help you put market news in its proper perspective, especially when the media is reporting global market corrections in the wake of political events.

If you're reading or watching the popular press, you're seeing a lot of storm and fury having to do with the new presidency, Brexit, rising interest rates, and general uncertainty of what is to come. As the popular media scrambles to explain the unexplainable – what is happening with the markets right now, what may happen in the future and how long it's going to last – we thought we'd share a headline of our own:

"The stock market is a giant distraction to the business of investing."

So said Vanguard founder John Bogle in his 2007 classic, "The Little Book of Common Sense Investing."

These are timeless words to invest by, as is Bogle's deeper explanation of them:

Rebalancing: Have a Plan in Good Times and Bad

Thursday, 19 January 2017

Rebalancing: Have a Plan in Good Times and Bad

A balanced portfolio is always a good idea--and now, more than ever

Keeping a portfolio balanced in accordance with your long-term investment plan is never a bad idea, but as we sit at nominal market highs and approach a changing of the guard in Washington, continued political uncertainty abroad, and other risks, we believe it makes all the more sense.

Prediction Season

Wednesday, 21 December 2016

The close of each calendar year brings with it a chance to look forward to the year ahead.

By the end of each year investors are likely to be bombarded with predictions about what the future, and specifically the next year, may hold for their portfolios. These outlooks are typically accompanied by recommended investment strategies and actions that are aimed at trying to avoid the next crisis or missing out on the next “great” opportunity. When faced with recommendations of this sort, it would be wise to remember that investors are better served by sticking with a long-term plan rather than changing course in reaction to predictions and short-term calls.

The Active Passive Powerhouse

Thursday, 15 December 2016

Factor-based investing and the benefits of working with a financial advisor in the DFA network

For years it has been assumed that you have to be either an active or a passive investor. It is also assumed (depending on which camp you’re in) that one is better than the other. In our opinion, the argument about active vs passive management can be put squarely to bed--and the answer to which investing strategy we use is…Both. This is called factor-based investing and it is a strategy used by a company whose funds we use a great deal---Dimensional Fund Advisors (DFA).

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