Articles

Social Security & High Net Worth Investors: Wealth Management Solutions

By Bruce Smith | January 04, 2019

Our wealth advisors often answer questions about Social Security and how it fits into a comprehensive wealth management strategy, especially for those in higher tax brackets. Even if the bulk of your income comes from other sources in retirement, Social Security can help make your retirement more comfortable and help you grow assets to leave to your beneficiaries.  

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Wealth Management Solutions for Widows: Part 1

By Francoise Crandell | December 17, 2018

Losing a spouse is hard enough... but when financial confidence is lost as well, feelings of worry and instability can seem overwhelming. 2016 research in the Journal of Financial Service Professionals indicates that working with a wealth advisor after the passing of a loved one significantly improves widows' sense of financial confidence and well-being. 

In this, part one of a two-part series, we'll explore the financial issues that affect the more-than 12 million widowed women in the U.S. We'll also share wealth management solutions that can help boost widows' financial confidence and discuss the benefits of strategic financial planning, both before and after losing a loved one. 

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Portfolio Managers Say Diversification is Key

By Jeremy Sorci | October 30, 2018

What's the best way to invest your hard-earned capital? It's investors' age-old question — and why so many turn to trusted wealth advisors for help.

Because while the process of building an investment portfolio may seem, in itself, simple, creating an effective portfolio involves realistic goal setting, a long-term time horizon that stretches across a few decades, a modicum of self-discipline and, significantly, risk awareness. Combined, these factors create the recipe for a diversified portfolio that's tailored to meet your specific financial needs. 

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Are Your Financial Strategies Working? How to Evaluate Performance

By Ron Ross | September 18, 2018

When prospective clients meet with us to evaluate their portfolio, many investors are unaware if their portfolio is experiencing sub-par performance relevent to the appropriate benchmarks. Here’s what to look for when you’re evaluating your investments’ performance.

Ignorance is bliss. When it comes to investment performance, there’s a ring of truth to this old adage. It’s not difficult to see how active managers – investment professionals who attempt to “beat the market” in search of greater returns – can

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The Rational Investor - Why Diversification is a Means and Not an End

By Ron Ross | August 07, 2018

Clients often ask us for investment guidance about diversification – why is it so essential? How is it achieved? We are always glad when our clients bring up this important topic.  

It is so important - in fact, we’ve blogged about it before - because diversification is not only the cardinal rule of investing, but also the one rule most often violated.

Perhaps Shakespeare said it best in The Merchant of Venice:

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The Rational Investor: What's the Cost of High Portfolio Turnover?

By Jeremy Sorci | July 14, 2018

Recently, a new client asked one of our advisors how high portfolio turnover would effect their portfolio. This timely question makes sense; after all, we often warn our clients and other investors about the disadvantages and high costs of wealth management strategies based on active management. 

Our answer? High portfolio turnover is the source of most of the extra costs associated with active management – costs that are completely unnecessary and avoidable with more efficient investment guidance. Read on to find out why.

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5 Wealth Management Taboos You Should Consider Breaking

By Francoise Crandell | June 20, 2018

When it comes to making financial planning and wealth management decisions, it just makes sense to follow conventional wisdom... doesn't it?

Not always. Though conventional wisdom can be defined as ideas that are so widely accepted no one really bothers to question them, there may be times when going against the grain makes a lot of financial sense. Don't believe it? Consider that — not so very long ago — conventional wisdom told us that the sun revolved around the Earth... an Earth that just happened to be flat.

While that may be an extreme example, there are a few bits of "commonsense" financial planning concepts floating around out there that probably shouldn't be accepted as conventional wisdom. Here are 5 wealth management taboos that you might want to consider breaking.

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Investment Guidance: 4 Reasons to Rebalance Your Portfolio

By Teresa Conley | June 14, 2018

You've heard the old saying, "don't put all your eggs in one basket"... when it comes to investing, perhaps no other cliché could be more appropriate. 

A properly diversified portfolio is an effective way to mitigate risk, and deal with the ups and downs of a volatile market. And the best way to get truly diversified? Regular portfolio rebalancing to ensure that your assets are properly allocated across asset classes.

Here are four benefits associated with rebalancing your portfolio. 

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Portfolio Rebalancing: 8 Tips from Portfolio Managers

By Francoise Crandell | June 08, 2018

You know how important it is to rebalance your portfolio as a part of your financial planning process. Rebalancing on a regular basis — whether annually, quarterly, or after certain percentage changes in your portfolio — helps your investments remain truly diversified. 

But do you know how to effectively rebalance your portfolio so you retain the right asset class allocation for your comprehensive financial plan? These eight tips from portfolio managers will help you keep your portfolio balanced... and diversified.

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Selling In a Downturn Isn't a Wealth Management Solution

By Teresa Conley | June 02, 2018

You probably haven't forgotten the steep market drop in January, 2016, and the stock market correction in the summer of 2015 might not feel too far in the past. But the market crash in 2008 is likely starting to seem more like a distant memory, especially given the fact that many investors' portfolios have grown substantially since the market hit bottom in 2009. 

That's not to say that those market lows weren't unpleasant in the moment, but the lesson to be learned is this: Over time, investors who stay the course through a decline recover. In fact, from 2009 to 2016, the market has tripled, with the S&P 500 growing by 194 percent. But what about investors who didn't stay the course — who, in attempts to cut their losses, sold? 

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