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Rebalancing

Published By: Erik Christman, CFP®, CPA 

Rebalancing is an important discipline in portfolio management. At least annually you should compare your current portfolio to your original investment plan and make sure the portfolio is still on track. Why is this important? Because a particular style often will go through a cycle of three, four, even five years when it is in vogue and has a great run. For example, for three years in the late 1990s, it seemed you could do no wrong in the tech space.The NASDAQ Composite climbed from around 1,300 in late 1997 to 5,048 in March of 2000, an incredible gain of 288 percent in a little over two years! But then, just a year later, it fell to 1,900 and eventually dropped to just above 1,200 in September of 2002. All of those spectacular gains achieved in two years were totally wiped out two and a half years later. Read more

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Diversification – Another Perspective

Published By: Erik Christman, CFP®, CPA 

We look at diversification in two ways—across asset classes and within them.

The three major asset classes are stocks, bonds, and cash. You can divide your holdings across those classes for a level of diversification. In diversifying across asset classes, we may determine, for example, that 15 percent of your overall portfolio should be in large US stocks. Now, that’s still a big portion of the portfolio, but we actually have several holdings making up that 15 percent.

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Financial Planning is for Everyone

Published by Beth Schanou

Everyone can benefit from some form of financial planning. Not all plans look the same because we are individuals and have unique needs, but the need for some amount of planning is present for every age group and financial status. Often this can be difficult to embrace because in order to plan effectively, there is a need to open up and share personal information including finances and goals. This isn’t always easy. Read more

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Twenty Times As Much Comfort

Published By: Erik Christman, CFP®, CPA 

Our rule is that no single growth investment should make up more than 5 percent of your portfolio. That’s the level of diversification that we believe could provide you the comfort of knowing your portfolio will manage through good times and bad, whether for the economy or for a particular holding. Read more

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Medicare 101: What You Need to Know

An often overlooked aspect of financial planning is considering health insurance options. Health care costs continue to rise, and as you grow older the likelihood you’ll need those services increases. Read more

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Diversification

Published By: Erik Christman, CFP®, CPA 

Many of our clients are affiliated with Procter & Gamble, headquartered in Cincinnati. P&G is a venerable old company, founded in 1837. I worked there briefly, and my wife worked there for many years. I have a deep respect for it. Read more

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Safeguarding Personal Information

Electronic theft of personal information is the fastest-growing crime in the United States, with more than two billion personal records stolen worldwide in 2016. Protecting your personal information is a key component to reducing the potential that your information may be stolen. Read more

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Predictable Cash Flow

Published By: Erik Christman, CFP®, CPA 

When you’re not working anymore, and you don’t want to change your lifestyle, you need predictable cash flow. That’s why we developed our approach the way we did, with both a Stability Bucket and a Growth Bucket. It comes down to a fundamental of money management: You don’t want to be withdrawing money from a fluctuating account in a down market. When you sell in a down market, either out of panic or out of necessity, you are locking in your losses. Read more

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Five Years of Stability

Published By: Erik Christman, CFP®, CPA 

Every portfolio we build is customized to your needs, risk tolerance level, and specifications. But while the details are customized, we believe that every retirement plan should have five years of stability built in. Even when the economy is humming along, you can be sure that the time will come when it will be dragging. You need protection so you can weather the bad times without panic or worry. Read more

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Fees or Foes

Published by Scott Kubie

Recently, a fee-only financial advisor mentioned to me that more clients are proposing to manage more of their own assets and invest in the “S&P 500.” For most who go down this path, this move will likely end badly. These investors, while seeking to avoid wealth management fees, are ignoring the value their advisor brings to them as well as the current market environment. Read more