August 2018

The Basics of Disability Insurance

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Disability insurance can be a means of shortfall funding. It also goes hand and hand with life insurance as typically individuals in prime working years are more likely to face disability than death. Many workers are covered through their employer but may not be well versed on the specifics of coverage. You need to have a firm grasp on the terms of your employer’s disability insurance, so you can evaluate if a supplemental policy is needed. I will cover the basics of disability insurance including length, definition of disability, elimination periods and other common factors.

Monthly Markets Memo - August 2018

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

Market Update

The markets seem to be playing a game of tug-of-war, or should I say “tug-of-trade-war”?  On one end of the rope you have a solid U.S. economy backed up by strong corporate earnings growth.  On the other end you have an ongoing trade war, rising interest rates, and an economic crisis unfolding in Turkey.  The U.S. markets have pushed higher throughout the quarter, with the S&P 500 near its January high.  The international markets continue to struggle as they cope with the UK’s ongoing Brexit negotiations, trade tensions with the U.S., and a strengthening dollar that dampens international returns. 

Market Minute - August 14, 2018

by Scott Rosenquist, CFA

Yield Curve Implications

The yield curve is a widely followed measure of the bond market that shows the yields available for bonds of the same credit quality and varying maturity dates.  The most common is the U.S. Treasury yield curve, a favorite among investors who monitor it for clues on the direction of the economy. 

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