Articles

The Year Ahead

By Ginger Weber | April 27, 2012

First Quarter Results: The first quarter of 2012 was exceptional with equities up about 13%. While emerging markets and international small value companies were the worst performers in 2011, they were the best performing asset classes for the first quarter of 2012.

It’s a reminder of the importance of maintaining a diversified strategy, rebalancing, and remaining disciplined even when the markets tempt us to concentrate in or avoid certain asset classes.

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Switching to Cash

By Ginger Weber | October 23, 2011

High levels of market volatility often seem to bring up the same question: “Why not put 100 percent of our investments into cash, and wait for just a little while until things calm down?”

Given the recent sell-offs in the equity markets, it would appear that a number of investors are doing just that. However, by fleeing for the comfort and safety of cash and FDIC insured deposits, investors with a time horizon that is longer than just a few years could be doing real harm to their long-term finances. If you are like some investors who are tempted to move

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How to Plan For and Achieve Financial Success

By Ginger Weber | July 24, 2011

During challenging economic times like these, it can be all too easy to forget the financial basics. It is not uncommon for people to do nothing during times of uncertainty. Sometimes doing nothing can be the right thing to do, but often it can be detrimental to your long-term financial success.

During difficult times, getting into action and planning for the future is often beneficial and can reduce the stress and anxiety that uncertainty brings. The following are some possible steps you can take that may help you to both assess where you are today, as

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The Sidelines

By Ginger Weber | October 28, 2010

Facing the Financial Facts Are you One of the many Americans who has lost faith in the stock market, the economy and the political system? Have you remained in low interest bearing investments as the Dow has risen more than 4,000 points in the last 18 months? Are you contemplating whether or not it's time to get off the sidelines and get back into the market?

If you answered yes to any of these questions, we invite you to continue reading this newsletter, which is designed for you.

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Planning For Your Retirement

By Ginger Weber | August 07, 2010

Recent studies indicate that retirement is the leading financial concern for Americans. Given the growing uncertainties around the future of Social Security and Medicare, and the approximate $11 trillion hit to our collective net worth due to the financial crisis, it is easy to see why this is the case.

While evidence indicates that the burden of securing a comfortable retirement falls squarely on our shoulders (the days of corporate and government pensions seem numbered), many Americans are failing to be proactive around saving for their retirement.

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Tug of War

By Ginger Weber | June 18, 2010

As the stock market has moved significantly off its lows in 2009, we have found that individuals fall into two main categories.

On one side, we find those who cheer the market’s advance and speak to legitimate signs of recovery. On the other, we find those who curse the system, citing no apparent reason for the significant gains we have seen.

This, of course, leads many to question which viewpoint is correct and where the market is headed over the near term. At

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The Pitfalls of Chasing Yield

By Ginger Weber | April 14, 2010

With interest rates hovering near zero, many investors are concerned with what they are earning on savings, money market accounts, certificates of deposit, and other fixed income investments. The tendency among both individual and institutional investors is to seek higher yielding alternatives. Recent history reminds us of the dangers inherent in this approach.

This newsletter will expose the risks of chasing high yielding fixed income or equity investments and show you how to generate cash flow through a “total return” approach to investing.

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Inflation and Your Investments

By Ginger Weber | March 19, 2010

Last month we made the case that inflation is not a near term concern. We did however caution that the longer term outlook is more troublesome given threats to Federal Reserve independence, growing budget deficits and concerns about the US dollar.

Inflation and Stock Prices

There is some disagreement as to the relationship between inflation and stock prices. Dimensional Fund Advisors, the nation’s leading institutional asset class fund provider, notes that “inflation is just

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2009: The Year In Review

By Ginger Weber | January 11, 2010

Just over a year ago, with the global capital market system in disarray and investor fears and mistrust reaching all time highs, we committed to reaching out to our community in an effort to educate and empower local investors. We are dedicated to helping you make better investment decisions; it is in this context that we create this monthly Premier Perspective.

This month, in an effort to emphasize the importance of these concepts as they relate to your financial well being, we will review the core themes introduced throughout the year. They were:

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The Five Key Steps to Enhancing Your Financial Peace of Mind

By Ginger Weber | November 10, 2009

Uncertainty disrupts peace of mind. We’re living in uncertain times. Geopolitical instability, the national deficit, a fragile economy, a weak dollar and concerns about health care, social security, and the state budget give rise to much apprehension.

Add in the stock market volatility seen over the last two years, mounting job losses and the potential for higher taxes going forward, and you have a recipe for significant worry and confusion.

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