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Our Newsletter

In the Spring of 2017 Oxford Financial Partners migrated to a new online communications platform, replacing our traditional quarterly newsletter.  To read past editions of our newsletter, please explore the links below.


Spring 2017: Introducing Our New Communications Platform

It's hard to believe, but it's been nearly a decade since we first introduced our Quarterly Newsletter to clients and friends of the firm.  Each quarter we have updated people on recent market results, provided educational articles on financial planning, shared news of important developments at Oxford, and offered our perspective on a successful retirement.  Read More

Winter 2017: What A Difference A Year Makes!

The period around Christmas and New Year’s is a great time for reflection. Gifts are put away, Christmas decorations come down, all the baked goods and sweets are finally gone and things begin to return to normal.  I always look to give thanks for the blessings of the past year, and begin to focus on opportunities in the year ahead.  Read More

Fall 2016: Leadership in America

Over the recent Labor Day weekend my family and I found ourselves with an unusual opportunity…we weren’t scheduled to be anywhere for three whole days!  Once we recognized this happy coincidence, we jumped at the opportunity to scratch some things off our bucket list.  Read More  

Summer 2016: Welcome to the New Oxford Financial Partners!

April 26, 2016 marked one of the biggest changes in Oxford’s 25+ year history.  On that date we announced the formation of our own independent investment advisory firm, Siena Capital, LLC doing business as Oxford Financial Partners.  Read More  

Spring 2016:  Newsflash!  Stocks are Volatile!

Readers of this newsletter are familiar with our strong belief in the power of stocks to deliver meaningful growth to investors over the long run.   But this long-term growth doesn’t come without some occasional
short-term pain.  Read More  

Winter 2016:  Investment Wisdom From The Force

As I write this letter we are just a few days away from Christmas 2015.  Surely my family is preoccupied with Christmas cards, decorating, shopping, wrapping and all the excitement of the holiday season, right?  Wrong.  We are obsessed with the new Star Wars movie.  Read More  

Fall 2015: Oxford Power of 5 Investing® Book

If you’ve been a client of ours for any time at all, you’ve certainly heard about Power of 5 Investing®. This is the phrase we use to describe our unique system designed to help clients towards achieving retirement success. Our special approach is now described in the book Power of 5 Investing®: 5 Powerful Principles for Retirement Investing. The book is now available for sale on Amazon.com. Read More

Summer 2015: The Biggest Risk to Retirees (It’s Not What You Think)

I’m often asked what keeps me up at night in regards to our retired clients’ investments. People will suggest that I should be worried about Greece defaulting on its obligations, what the Fed is going to do with interest rates, how much territory Vladimir Putin is grabbing, the rise of high frequency trading in the markets, the spread of Ebola, the growing power of terrorists in the Middle East, etc. The 24 hour news cycle makes sure that troubling news is spread as quickly as possible. Read More

Spring 2015: It’s The End of the World As We Know It… …and I feel fine.

That was the title of a very catchy and popular song in 1987 from the band R.E.M. and it fairly well sums up the past six years of investment history. As you read this, we will have just surpassed the sixth anniversary of the bottom of one of the worst bear markets in history, which officially ended on March 9th 2009. The S&P 500 closed that day at 676, a decline of nearly 57% from its all-time high of 1,565 in October of 2007. As I write this on March 5, 2015, the S&P is trading at 2,100. That’s an increase of more than 210% from its bear market low, and an incredible 34% higher than the previous peak in October 2007. Further proof that patience is a retiree’s best friend when it comes to investing.Read More

Winter 2015: Let’s All Be Equal

It has become very popular of late to rail against “income inequality” in this country. French economist and professor Thomas Piketty in his book Capital in the Twenty-First Century warns us that wealth and income inequality is growing and must be corrected by a global progressive tax on wealth. Senator Elizabeth Warren frequently tells us “the game is rigged” against the little guy and that government needs to step in to address the “distribution of wealth.” Read More

Fall 2014: Successful Investors Make a Plan

The research firm DALBAR produces an annual report called “Quantitative Analysis of Investor Behavior.” I know it doesn’t sound very exciting, but the research conclusions have profound implications for retirees. Read More

Summer 2014: Never Take Investment Advice from Chicken Little

Have you ever heard of the following people? M. King Hubbert. Paul Ehrlich. Harry Dent.Thomas Malthus. Each of them was considered among the most respected thinkers in his field at the time. They all achieved fame and notoriety for their writings and teachings. Each of them profoundly influenced public opinion and government policy, and their works are having lasting effects even today. Read More

Spring 2014: The Market is Rigged! ...Really?

Perhaps you watched or have heard about the 60 Minutes piece that aired on March 30. In the segment, an author named Michael Lewis is asked what the “headline” is. He responds without hesitation that “the market is rigged.” His primary target is “high frequency traders (HFT’s)” who manipulate stock market orders that travel through vast computer networks. Read More

Winter 2014: Human Progress

At a time when the mainstream media see nothing but misery everywhere they look, it’s refreshing to see a group of mature individuals band together to form an organization to provide true perspective on the state of our world. The organization is called HumanProgress and its website is www.humanprogress.org. Read More

Fall 2013: Through the Lens of Time

Most of us remember exactly where we were the morning of September 11, 2001. That horrific day not only changed the lives of thousands of families in New York, it also set out country on a complicated path whose outcomes and implications are still being debated more than a decade later. We truly will never forget. Read More

Summer 2013: Mid-Year Update

Hope you all had a happy and safe 4th of July. As the year is half over, I thought this would be a good time to update you on what’s been going on here at Oxford. It has been a busy year, and the team at Oxford has accomplished quite a lot. Read More

Spring 2013: Oxford Launches Our Personal Financial Portal

Wouldn’t it be great to be able to see your financial life all in one place? A single resource where you could watch your investments, track your spending, create budgets, set goals and monitor your progress toward achieving financial independence? And wouldn’t it be great to have this information automatically updated each day, with secure access via the internet or your mobile device? Read More

Winter 2013: 2012: The Year Pessimism Got Skunked…Again

For a number of years now I have followed the writing of Nick Murray. Nick is a 40+ year veteran of the financial services profession, and I always find his long-term perspective enlightening. Nick recently wrote the following article and was gracious enough to allow me to share it with you. I couldn’t have said it better myself. Read More

Fall 2012: The Power of Our Vote

By the time you read this, the 2012 elections will be just weeks away. And we’ll probably all be exhausted by the endless speeches, promises, falsehoods, mudslinging, surveys and phone calls that characterize the election process in today’s America. To quote Winston Churchill: “It has been said that democracy is the worst form of government except all those other forms that have been tried from time to time.” It ain’t pretty, but I wouldn’t trade it for anything in the world. Read More

Summer 2012: The Importance of Stability

Longtime clients of Oxford Financial Partners are familiar with our approach to building retirement portfolios—set aside five years’ worth of your upcoming withdrawal needs into a Stability Bucket, then invest the remainder in a diversified Growth Bucket. As gains occur in the Growth Bucket, harvest those gains and use the resulting cash to refill the Stability Bucket. We are now in our third decade of guiding clients by this philosophy, and it continues to work no matter what the crisis of the day is. Read More

Spring 2012: I Like the Federal Government

I like our current Federal Government. Really, I do. How often do you hear that one? By Federal Government I am referring to the combination of the President (Executive branch) and the Congress (Legislative branch, comprised of the Senate and the House of Representatives). Currently, the office of the President, along with a slight majority of the Senate, rest with the Democrats. The House is solidly Republican after a major shakeup in the midterm elections of 2010. Read More

Winter 2012: How to Write a Bestseller

The older I get the more I realize that it’s the simple pleasures in life, like quietly reading a book, that often bring the most joy. So, I challenged myself this past year to find more time for reading. This has resulted in a very large pile of mostly unread books, but I have big plans for them in 2012. Read More

 

Oxford Financial Partners publishes a quarterly newsletter covering topics important to today’s retirees.  To read past editions of our newsletter, please explore the links below.

Summer 2016: Welcome to the New Oxford Financial Partners!

April 26, 2016 marked one of the biggest changes in Oxford’s 25+ year history.  On that date we announced the formation of our own independent investment advisory firm, Siena Capital, LLC doing business as Oxford Financial Partners. Read More  

Spring 2016:  Newsflash!  Stocks are Volatile!

Readers of this newsletter are familiar with our strong belief in the power of stocks to deliver meaningful growth to investors over the long run.   But this long-term growth doesn’t come without some occasional
short-term pain.  Read More  

Winter 2016:  Investment Wisdom From The Force

As I write this letter we are just a few days away from Christmas 2015.  Surely my family is preoccupied with Christmas cards, decorating, shopping, wrapping and all the excitement of the holiday season, right?  Wrong.  We are obsessed with the new Star Wars movie. Read More  

Fall 2015: Oxford Power of 5 Investing® Book

If you’ve been a client of ours for any time at all, you’ve certainly heard about Power of 5 Investing®. This is the phrase we use to describe our unique system designed to help clients towards achieving retirement success. Our special approach is now described in the book Power of 5 Investing®: 5 Powerful Principles for Retirement Investing. The book is now available for sale on Amazon.com. Read More

Summer 2015: The Biggest Risk to Retirees (It’s Not What You Think)

I’m often asked what keeps me up at night in regards to our retired clients’ investments. People will suggest that I should be worried about Greece defaulting on its obligations, what the Fed is going to do with interest rates, how much territory Vladimir Putin is grabbing, the rise of high frequency trading in the markets, the spread of Ebola, the growing power of terrorists in the Middle East, etc. The 24 hour news cycle makes sure that troubling news is spread as quickly as possible. Read More

Spring 2015: It’s The End of the World As We Know It… …and I feel fine.

That was the title of a very catchy and popular song in 1987 from the band R.E.M. and it fairly well sums up the past six years of investment history. As you read this, we will have just surpassed the sixth anniversary of the bottom of one of the worst bear markets in history, which officially ended on March 9th 2009. The S&P 500 closed that day at 676, a decline of nearly 57% from its all-time high of 1,565 in October of 2007. As I write this on March 5, 2015, the S&P is trading at 2,100. That’s an increase of more than 210% from its bear market low, and an incredible 34% higher than the previous peak in October 2007. Further proof that patience is a retiree’s best friend when it comes to investing.Read More

Winter 2015: Let’s All Be Equal

It has become very popular of late to rail against “income inequality” in this country. French economist and professor Thomas Piketty in his book Capital in the Twenty-First Century warns us that wealth and income inequality is growing and must be corrected by a global progressive tax on wealth. Senator Elizabeth Warren frequently tells us “the game is rigged” against the little guy and that government needs to step in to address the “distribution of wealth.” Read More

Fall 2014: Successful Investors Make a Plan

The research firm DALBAR produces an annual report called “Quantitative Analysis of Investor Behavior.” I know it doesn’t sound very exciting, but the research conclusions have profound implications for retirees. Read More

Summer 2014: Never Take Investment Advice from Chicken Little

Have you ever heard of the following people? M. King Hubbert. Paul Ehrlich. Harry Dent.Thomas Malthus. Each of them was considered among the most respected thinkers in his field at the time. They all achieved fame and notoriety for their writings and teachings. Each of them profoundly influenced public opinion and government policy, and their works are having lasting effects even today. Read More

Spring 2014: The Market is Rigged! ...Really?

Perhaps you watched or have heard about the 60 Minutes piece that aired on March 30. In the segment, an author named Michael Lewis is asked what the “headline” is. He responds without hesitation that “the market is rigged.” His primary target is “high frequency traders (HFT’s)” who manipulate stock market orders that travel through vast computer networks. Read More

Winter 2014: Human Progress

At a time when the mainstream media see nothing but misery everywhere they look, it’s refreshing to see a group of mature individuals band together to form an organization to provide true perspective on the state of our world. The organization is called HumanProgress and its website is www.humanprogress.org. Read More

Fall 2013: Through the Lens of Time

Most of us remember exactly where we were the morning of September 11, 2001. That horrific day not only changed the lives of thousands of families in New York, it also set out country on a complicated path whose outcomes and implications are still being debated more than a decade later. We truly will never forget. Read More

Summer 2013: Mid-Year Update

Hope you all had a happy and safe 4th of July. As the year is half over, I thought this would be a good time to update you on what’s been going on here at Oxford. It has been a busy year, and the team at Oxford has accomplished quite a lot. Read More

Spring 2013: Oxford Launches Our Personal Financial Portal

Wouldn’t it be great to be able to see your financial life all in one place? A single resource where you could watch your investments, track your spending, create budgets, set goals and monitor your progress toward achieving financial independence? And wouldn’t it be great to have this information automatically updated each day, with secure access via the internet or your mobile device? Read More

Winter 2013: 2012: The Year Pessimism Got Skunked…Again

For a number of years now I have followed the writing of Nick Murray. Nick is a 40+ year veteran of the financial services profession, and I always find his long-term perspective enlightening. Nick recently wrote the following article and was gracious enough to allow me to share it with you. I couldn’t have said it better myself. Read More

Fall 2012: The Power of Our Vote

By the time you read this, the 2012 elections will be just weeks away. And we’ll probably all be exhausted by the endless speeches, promises, falsehoods, mudslinging, surveys and phone calls that characterize the election process in today’s America. To quote Winston Churchill: “It has been said that democracy is the worst form of government except all those other forms that have been tried from time to time.” It ain’t pretty, but I wouldn’t trade it for anything in the world. Read More

Summer 2012: The Importance of Stability

Longtime clients of Oxford Financial Partners are familiar with our approach to building retirement portfolios—set aside five years’ worth of your upcoming withdrawal needs into a Stability Bucket, then invest the remainder in a diversified Growth Bucket. As gains occur in the Growth Bucket, harvest those gains and use the resulting cash to refill the Stability Bucket. We are now in our third decade of guiding clients by this philosophy, and it continues to work no matter what the crisis of the day is. Read More

Spring 2012: I Like the Federal Government

I like our current Federal Government. Really, I do. How often do you hear that one? By Federal Government I am referring to the combination of the President (Executive branch) and the Congress (Legislative branch, comprised of the Senate and the House of Representatives). Currently, the office of the President, along with a slight majority of the Senate, rest with the Democrats. The House is solidly Republican after a major shakeup in the midterm elections of 2010. Read More

Winter 2012: How to Write a Bestseller

The older I get the more I realize that it’s the simple pleasures in life, like quietly reading a book, that often bring the most joy. So, I challenged myself this past year to find more time for reading. This has resulted in a very large pile of mostly unread books, but I have big plans for them in 2012. Read More