Market Condition Indicator Weekly Report-Offense or Defense for the S&P 500 Large Cap Index
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We Are Financial Advisors

Take your financial outlook from scattered and confusing to disciplined and objective.

We provide financial advice, portfolio and income consulting, portfolio strategy design and ongoing advice to numerous individuals and families across America.

How Can We Help?

Portfolio Consulting

What portfolio design best meets your goals and risk tolerance? How can you best monitor your portfolio? What time frame should you consider? What are the fees? What risk management measures do we use?

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Income Consulting

How much income do you require in retirement? How does your current income compare to your retirement income goals? Will your income last in retirement? What strategies can you use now to create income? How can you measure the success of your income strategies?

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401k Participant Consulting

How much income do you save for your retirement? How will you chose the strategy that best suits you? I don’t understand my 401k plan. What strategies can you use now to create an approach to meet your requirements? I don’t even understand my 401k.

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Retirement Tips

Retirement Tips..

Retirement Tip #1 How much advice will I need? Most people only retire once. You don’t get to practice. If you are going to make a mistake regarding whether you should have too much advice or too little, error on the side of too much! Some individuals should take the “do it yourself” approach! Most […] ...

Asset Allocation Should You Check Your Strategy

Asset Allocation Should You Check..

Asset Allocation Update; Opinion from PIMCO “Altitude Adjustment: Investing During a Period of Lower Returns and Higher Volatility” The cliff notes version- “We also anticipate other changes to the investing paradigm as we look forward. We expect less consistency in the negative correlation between stoc ...

Asset Allocation, a Tactical Guide

Asset Allocation, a Tactical Guid..

Asset Allocation Defined- “The implementation of asset allocation in an investment strategy that attempts to balance risk versus reward by adjusting the percentage of each asset in an investment portfolio according to the investor’s risk tolerance, goals and investment time frame.” Wikipepdia   Origins- As ...

Bear Market Checklist, You Looked

Bear Market Checklist, You Looked..

 Bear Market Checklist, You looked, didn’t you?   Are you still doing the same in your portfolio as last September 2015? Do you think that is still appropriate or don’t know? But you didn’t see the blog posts, not your fault. So, what do you do now? Maybe, read the blog posts outlined below. Develop a [&hell ...

Bear Market?  What Should You Do?

Bear Market? What Should You Do?..

Bear Market? What Should You Do?   Many strategies successful in bull market conditions may not be rewarded in bear market conditions.   Review your holdings, identify laggards and poor performers, consider selling. Tighten your stops;  sell when the stop is hit. Increase your cash levels. Increase allocation ...

Financial Resolutions for 2016

Financial Resolutions for 2016..

Financial for Resolutions 2016, If you were to watch the news, you’d think someone forgot to wish the stock market a Happy New Year. After all, the Dow® is off to its worst start since 1991! Of course, that’s not really the reason. But it’s true that 2016 hasn’t started well as far as the markets […] ...

Retirement Calculator Mistakes

Retirement Calculator Mistakes..

1. Retirement calculators used to determine asset allocation may not keep a retirement portfolio from losing value as some might presume.   In my opinion, asset allocation strategies can be reasonably rewarded in generally up trending markets and flat to declining interest rate climates.  Asset allocation strategi ...

Social Security & The Bipartisan Act of 2015

Social Security & The Bipart..

Social Security and the Bipartisan Budget Act of 2015   The legislation, needed to avoid an impending default on U.S. debt, also contains multiple unrelated provisions, including an elimination of two Social Security retirement benefit claiming strategies and a provision to prevent a significant increase in Medicare ...

Social Security,  Counting on COLA?

Social Security, Counting on COL..

Social Security, The rising costs… Social Security, The rising costs of food, gas, electricity, and health care can strain anyone’s budget. The situation is even worse if your living expenses increase while your income stays the same, because your purchasing power will steadily decline over time. That’s ...

Taxes on Retirement Income

Taxes on Retirement Income..

Taxes on retirement income need to be planned for in advance. After your working years, you’ve probably set aside funds in retirement accounts such as IRAs, 401(k)s, or other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing income ...

Retirement Income Strategies

Retirement Income Strategies..

Retirement Income Strategies; One of the challenges for many  is providing for annual income while balancing that need with other considerations, such as liquidity, how long you need your funds to last, your risk tolerance, and anticipated rates of return for various types of investments. Annuities may be seen as a fu ...

OPENING A 529 PLAN ACCOUNT?

OPENING A 529 PLAN ACCOUNT?..

    529 plans are savings vehicles tailor-made for college. Anyone can open an account, lifetime contribution limits are typically over $300,000, and 529 plans offer federal and sometimes state tax benefits if certain conditions are met. Here are some common questions on opening an account.   Can I open an ...

Retirement Tips

Retirement Tips..

Retirement Tip #1 How much advice will I need? Most people only retire once. You don’t get to practice. If you are going to make a mistake regarding whether you should have too much advice or too little, error on the side of too much! Some individuals should take the “do it yourself” approach! Most […] ...

Asset Allocation Should You Check Your Strategy

Asset Allocation Should You Check..

Asset Allocation Update; Opinion from PIMCO “Altitude Adjustment: Investing During a Period of Lower Returns and Higher Volatility” The cliff notes version- “We also anticipate other changes to the investing paradigm as we look forward. We expect less consistency in the negative correlation between stoc ...

Asset Allocation, a Tactical Guide

Asset Allocation, a Tactical Guid..

Asset Allocation Defined- “The implementation of asset allocation in an investment strategy that attempts to balance risk versus reward by adjusting the percentage of each asset in an investment portfolio according to the investor’s risk tolerance, goals and investment time frame.” Wikipepdia   Origins- As ...

Bear Market Checklist, You Looked

Bear Market Checklist, You Looked..

 Bear Market Checklist, You looked, didn’t you?   Are you still doing the same in your portfolio as last September 2015? Do you think that is still appropriate or don’t know? But you didn’t see the blog posts, not your fault. So, what do you do now? Maybe, read the blog posts outlined below. Develop a [&hell ...

Bear Market?  What Should You Do?

Bear Market? What Should You Do?..

Bear Market? What Should You Do?   Many strategies successful in bull market conditions may not be rewarded in bear market conditions.   Review your holdings, identify laggards and poor performers, consider selling. Tighten your stops;  sell when the stop is hit. Increase your cash levels. Increase allocation ...

Financial Resolutions for 2016

Financial Resolutions for 2016..

Financial for Resolutions 2016, If you were to watch the news, you’d think someone forgot to wish the stock market a Happy New Year. After all, the Dow® is off to its worst start since 1991! Of course, that’s not really the reason. But it’s true that 2016 hasn’t started well as far as the markets […] ...

Retirement Calculator Mistakes

Retirement Calculator Mistakes..

1. Retirement calculators used to determine asset allocation may not keep a retirement portfolio from losing value as some might presume.   In my opinion, asset allocation strategies can be reasonably rewarded in generally up trending markets and flat to declining interest rate climates.  Asset allocation strategi ...

Social Security & The Bipartisan Act of 2015

Social Security & The Bipart..

Social Security and the Bipartisan Budget Act of 2015   The legislation, needed to avoid an impending default on U.S. debt, also contains multiple unrelated provisions, including an elimination of two Social Security retirement benefit claiming strategies and a provision to prevent a significant increase in Medicare ...

Social Security,  Counting on COLA?

Social Security, Counting on COL..

Social Security, The rising costs… Social Security, The rising costs of food, gas, electricity, and health care can strain anyone’s budget. The situation is even worse if your living expenses increase while your income stays the same, because your purchasing power will steadily decline over time. That’s ...

Taxes on Retirement Income

Taxes on Retirement Income..

Taxes on retirement income need to be planned for in advance. After your working years, you’ve probably set aside funds in retirement accounts such as IRAs, 401(k)s, or other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing income ...

Retirement Income Strategies

Retirement Income Strategies..

Retirement Income Strategies; One of the challenges for many  is providing for annual income while balancing that need with other considerations, such as liquidity, how long you need your funds to last, your risk tolerance, and anticipated rates of return for various types of investments. Annuities may be seen as a fu ...

OPENING A 529 PLAN ACCOUNT?

OPENING A 529 PLAN ACCOUNT?..

    529 plans are savings vehicles tailor-made for college. Anyone can open an account, lifetime contribution limits are typically over $300,000, and 529 plans offer federal and sometimes state tax benefits if certain conditions are met. Here are some common questions on opening an account.   Can I open an ...

MARKET CONDITION REPORT

The long term market condition report, using the S&P 500 Large Cap index for illustration purposes, prepared weekly.

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