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Market Minute - November 9, 2017

Market Minute Final Blog.pngby Scott Rosenquist, CFA

Capital Gain Distributions

Mutual fund companies are starting to release their estimates for 2017 capital gains distributions.  What do investors need to know about these distributions? 

To start, what are capital gains distributions? 

Monthly Markets Memo - October 2017

World Money Small.jpgby Dan Zalipski, CFA & Scott Rosenquist, CFA

Market Update

Equities here and abroad continued their march higher over the past month backed by strong earnings and solid economic reports.  Returns were especially strong with smaller companies who stand to benefit from potential tax reform.  The small company index, measured by the Russell 2000, was up about 4.7% over the past month.  Emerging markets also performed well, with the Emerging Market index adding about 2% over the past month. 

Who Are You Keeping Up With?

Keeping Up With.jpg by Jon Flaherty

How often have you become caught up in the “keep up” game we so often play and illustrated so perfectly by the Jones family?  With so many places to spend money, whether it be the newest car, latest technology or that bigger house we’ve always wanted, it becomes far too easy to stay in constant “upgrade” mode. 

Market Minute - October 13, 2017

Market Minute Final Blog.pngby Scott Rosenquist, CFA

The behavioral aspect of finance and its potential impact on investors reaching their financial goals is an important topic to be aware of.  I’d like to spend another minute to discuss additional biases from the two categories (Cognitive and Behavioral) I introduced in my last post. 

Emergency Funds 101

Are You Ready Image.jpg by Thomas Rueger, JD​

Nothing about an emergency sounds good. We don’t want to hear about them, we don’t want to think about them, and we certainly don’t want them to happen to us. But, if we’re honest with ourselves, we all know that we should be prepared for them. Even worse sometimes than the emergency can be the resulting consequences, especially the financial toll it can take if the proper precautions were not taken.

Monthly Markets Memo - September 2017

World Money Small.jpgby Dan Zalipski, CFA & Scott Rosenquist, CFA

Market Update

U.S. Equity indices resumed their march higher, erasing the prior month’s brief decline.  International equities joined the party but were outpaced by their U.S. counterparts.  Emerging Markets continue to impress with strong returns.  Various risks spilled over into the fixed income sector causing a short-lived flight to safety.   Investors pushed yields lower as they reacted to headline risk involving North Korea on one side of the globe and a series of hurricanes on the other.  The move in yields quickly reversed as tensions eased for a while.  

Market Minute - September 11, 2017

Market Minute Final Blog.pngby Scott Rosenquist, CFA

Behavioral finance introduces the idea of biases investors exhibit and how they can affect decision making.    In the previous post I discussed loss-aversion, an emotional bias whereby investors feel the pain of losses more than the pleasure of gains.  We identified how this could lead to irrational decisions to avoid taking a loss.

Monthly Markets Memo - August 2017

World Money Small.jpgby Dan Zalipski, CFA & Scott Rosenquist, CFA

Market Update

U.S. Equity indices declined over the past month as negative headlines continued to fuel uncertainty in the U.S. markets.  Events related to healthcare legislation, geopolitical tensions on the Korean peninsula, and doubts surrounding President Trump’s agenda all contributed to the decline in U.S. equities over the past month.   Smaller company stocks were hit harder than the larger companies - more on that below. 

Utilizing a Reverse Mortgage

19424094_s.jpgby Jonathan Alton

A reverse mortgage is a home-secured loan on the primary residence for homeowners over the age of 62, also known as a Home Equity Conversion Mortgage (HECM). It allows borrowers to loan against some of the equity in their home for future funds or a line of credit. There are several options to choose from that differ on interest rate, how much money is available, and payment options.

Does Your Estate Plan Include Your #DigitalAssets?

19424094_s.jpg

As a Financial Planning Analyst, I try to practice what I preach. This includes updating my estate plan on a regular basis due to a life change or changes to state law. I am currently in the process of updating my Estate Plan for the third time. I was somewhat surprised to see a paragraph covering Digital Assets within my Power of Attorney for Property document. Most people have heard about allowing their attorney-in-fact or “agent” handle real estate, banking, and investment transactions, but not handling digital assets.

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