Monthly Newsletters

Filter Monthly Newsletter by:

Monthly Newsletters

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

Monthly Newsletters

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

Monthly Newsletters

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

Monthly Newsletters

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

Monthly Newsletters

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

Monthly Newsletters

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

Monthly Newsletters

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

Monthly Newsletters

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

Monthly Newsletters

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

Monthly Newsletters

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