2018 Q1 Market Review | The Old Normal

The clear theme for first quarter 2018 was the return of volatility in capital markets. After a long period of much lower than average volatility (in 2017, the S&P 500 hit 64 record highs, with only four single-day declines of more than 1%), this has been surprising for many investors.

2017 Performance of Premiums

By now, you’ve probably seen our presentations about “factor premiums,” or “factors.” These factors are a key concept in understanding our investment philosophy. They are variables that explain differences in returns of certain groups of securities — specifically market (stocks vs. bonds), company size (small companies vs. large companies), relative price (value vs. growth companies) and profitability (high vs. low profitability companies). We increase the portfolio’s exposure to factors by using institutional mutual funds that contain more of these certain groups of securities. In this presentation, we look at these factor premiums over time. 

WATCH | Thinking Long Term; How will future long-term-care costs affect my financial plan?

Dan Slater, an actuary at Core Income Advisors, helps us understand long-term-care coverage options in his March 8 webinar titled, "Prepare for a Healthier Future | A Closer Look at Long-Term-Care-Coverage Options and Cost." He provides us with a number of strategies for protecting our assets from the high-cost of retirement healthcare expenses.

Webinar March 8 | Thinking Long Term; How will future long-term-care costs affect my financial plan?

MARCH 8 | 3:00 p.m. - 4:00 p.m. Central
Dan Slater, Actuary, Core Income Advisors

Join us for Dan Slater's webinar, "A Closer Look at Long-Term-Care Coverage Options and the Costs," Thursday, March 8 from 3:00 p.m. - 4:00 p.m. Central. 

According to a Vanguard survey, about 75% of investors are concerned about the cost of healthcare.* Dan Slater, a renowned actuary, specializes in educating others about current and future medical care costs and designing funding solutions. Dan's goal is to identify and prevent potential disasters in a person's retirement plan, and the high cost of healthcare is a major contributor to bankruptcy in retirement. Learn more about long-term-care coverage and strategies to protect your assets during Dan's webinar, "A Closer Look at Long-Term-Care Coverage Options and the Costs." 

Hurricanes, Earthquakes and Financial Markets ... Part Two

By Brent Everett

Over the past few days, we have witnessed increased levels of market volatility and a historically overdue market correction. So in short, this event isn't all that surprising. Nonetheless, you'll see dramatic headlines running across your screens and so-called financial pundits trying to make sense of it. Along these lines, this is yet another reason why we discourage anyone from using the media as a source for investment guidance. But this week of volatility also is an opportunity to revisit why attempting to predict market performance is often an exercise in futility.

SmartIRA™ at a Glance

By Stephen Hart

For most of us who have an Individual Retirement Account (IRA), we rely on the IRA custodial beneficiary forms to determine who will receive the remainder of our accounts after we pass. However, the beneficiary forms cannot always truly capture the unique estate needs many individuals face. In situations such as blended families, beneficiaries with special needs or beneficiaries who have trouble managing money, an IRA overseen by a trustee can provide the assurance that your IRA will be managed in a way that honors your legacy.

The F Word

By Brent Everett

You may have heard in the news about the Department of Labor's fiduciary rule and the uncertainty of its survival.  And, while I’m a huge proponent of the fiduciary standard — in fact, our firm was built on this — my more libertarian beliefs make it hard to agree with the idea of a regulatory mandate.  Consumers should have a choice in this matter, and they already do.  The point that I have tried to make in comments submitted to the DOL and in articles, social media posts and correspondence with consumer advocate groups is that independent Registered Investment Advisors (RIAs) are already held to a fiduciary standard.  

Podcast | Budgeting Basics

Gina Aldaz decides if her days of impulse buying are over as she discusses budgeting with Stephen Hart, Talis Advisors Director of Financial Planning.

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Investor Exuberance - Rational or Irrational?

Led by emerging markets stocks, valuations of all asset classes continued to rise through the fourth quarter.  Price volatility remained very low, despite significant geopolitical risk and a flattening yield curve.  The cyclically adjusted price to earnings ratio for the S&P 500 stands at 33, the second-highest point in history.  Is this irrational exuberance or can the stock market, fueled by recent tax cuts, continue it’s inexorable march upward?  Richard Thaler, Nobel Prize winner, University of Chicago economist and expert in behavioral finance states “We seem to be living in the riskiest moment of our lives and yet the stock market seems to be napping.” 

Embracing Life in Retirement

Life is funny. It seems like we are in constant motion as we raise our families to adulthood while taking care of the home, managing a career — often times doing both.

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