What Makes the Markets Move

By Bob French, CFA

Financial markets are constantly on the move, and those moves can have serious implications for what your retirement will look like. Still, most people don’t really have any clue as to why the markets move the way they do.

Are Municipal Bonds Right for You?

By Bob French, CFA

We all want to minimize the amount of taxes that we owe. Municipal bonds, or munis, often seem like a great solution since they’re billed as being tax free (which we’ll talk about in a bit), but everyone else thinks so, too, which means that their prices reflect their tax advantages. This doesn’t disqualify munis as a great tool for retirement investors, but you do need to be careful about how you use them.

Are Republicans or Democrats Better for the Stock Market?

By Bob French, CFA

WHAT IS OCCAM’S RAZOR? Occam’s Razor is a principle attributed to William Occam, a 14th century philosopher. He stressed that explanations must not be multiplied beyond what is necessary. Thus, Occam’s Razor is a term used to “shave off” or dismiss superfluous explanations for…

Handle with CARE: 5 Years Before Retirement

By Kyle Meyer

Rather than developing an exhaustive list of to do’s that may or may not be appropriate for everyone, our approach is to help the client develop a retirement framework for retirement or way of thinking about retirement.  We call this the “CARE” retirement framework and it will help you build a foundation for a successful retirement.

What Risks Are Worth Taking

By Bob French, CFA

Risk drives everything about your investments, but all risk is not created equal. For most investors (and most of the financial industry) dealing with risk is a lot like making sausage. People want what it gets them, the investment returns, but they…

Why You Make Profit From Investing

By Bob French, CFA

Why have markets been good to investors over the long-term? Why should you get those returns for simply investing your money? The reason: the market is paying you to take on risk.

Rebalancing Frequency for your Portfolio

Rebalancing Frequency

By Bob French, CFA

The market is going to drag your portfolio through every mud puddle it finds. It’s your job to pick your portfolio up, dust it off, and point it back in the right direction. Rebalancing brings your portfolio back into line, and ensures that you are taking the right amount of risk through time.

Preparing for Retirement When You’re Starting Late

By Bob French, CFA

Everyone knows that you’re supposed to start saving for retirement early, but that doesn’t always happen. In fact, if you look at the numbers, it’s actually pretty rare. Most people are woefully unprepared for retirement, but you can change that.

The Importance of Your Savings Rate

By Bob French, CFA

How much you save for retirement goes a long way to determining how much you can spend in retirement. There are many factors to your success in retirement, but they all pale in comparison to your savings rate. Put simply, this is the most important number in financial planning.

Should You Own Bonds in a Rising Rate Environment?

By Bob French, CFA

Most people don’t think too much about their bonds. They really are the boring foundation for your portfolio. However, occasionally they spring to the surface, and this is one of those times. Lately, a number of people have been wondering why they…

How Are You Different From The Average Investor?

By Bob French, CFA

Taking distributions from an investment portfolio amplifies the impacts of portfolio volatility, making retirement income planning particularly tricky as distributions tend to be the primary income source for retirees. We can use Monte Carlo simulations to show the increase of money-weighted investment returns in retirement, which has important implications about the choice for a fixed portfolio return assumption.

What are Market Valuations? (Part 2)

By Bob French, CFA

Taking distributions from an investment portfolio amplifies the impacts of portfolio volatility, making retirement income planning particularly tricky as distributions tend to be the primary income source for retirees. We can use Monte Carlo simulations to show the increase of money-weighted investment returns in retirement, which has important implications about the choice for a fixed portfolio return assumption.