We have written in the past about how to address an upcoming dismal period for bond investors. See here and here . In this blog, I address advice I often hear and read in the financial press and from market pundits. After lamenting low yields, the pundit suggests something like the following: “Since yields on bonds are so low, why not just buy stocks with high dividend yields?” At first blush... READ MORE

Over the years I have run into people that have multiple leaves but separate piles for each leaf. In other words, they have multiple advisors to help them manage their assets. The reasoning they explain in having multiple advisors is that they are trying to "diversify" their risk. For some, that risk is the potential "bad egg" advisors that are out there (Madoff's a prime example of why people... READ MORE

I came across this article over the weekend in The New York Times , Clueless About 2020, Wall Street Forecasters Are at It Again for 2021 . It hits the nail on the head when it comes to market predictions. Even the smartest analysts in the industry have a hard time predicting market returns. Despite the anomaly that 2020 has been, previous years have been no different when it comes to the... READ MORE

The previous blog I wrote had some general investing advice for those just starting out . In this blog we’re going to drill one level deeper. A Simple Investing Framework There are two things you need to know before you start investing. What is the money for? How much risk can I tolerate? Whenever we get a new client, the first thing we do is create a financial plan. We work with them to come... READ MORE