Is Diversification Dead?

2018 has been an interesting year for markets.  While US growth stocks have continued to push US stock indices higher, most other markets have actually fared quite poorly. For example, international stocks, emerging market stocks, bonds, and gold are all …

Read More

Random Thoughts on Markets

As we enter the second half of 2018, a few things are very concerning to us. For starters, we believe we are dealing with yet another central bank induced bubble, this time affecting nearly all asset classes. Someone termed this …

Read More

Freezing Your Credit

In light of the recent Equifax breach, we’ve received lots of inquiries about the pros and cons of freezing your credit. I’m a big proponent of freezing your credit, especially if you have no intention of taking on new credit …

Read More

Equifax Data Breach

You’re probably well aware of the recent Equifax Breach. Equifax is one of the three major credit reporting agencies so the breach is unfortunate to say the least. In response, a website was set up to find out if your …

Read More

What’s Your (Retirement) Number?

As Certified Financial Planner™ professionals we are often asked, “How much money will I need to retire?”  Or, “What’s my number?”  Sounds simple enough right?  After all, we do this stuff everyday. Can’t we just pull out our trusty financial …

Read More