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So much hand-wringing over such a simple proposition: When a financial professional gives you advice about the life savings in your retirement account, that person ought to act in your best interest.
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The High Cost of Investing Like a Daredevil New York Times reporter Jeff Sommer. Live in the moment: If you’re skiing, surfing or scuba diving, that’s the way to go. But if you’re investing, that approach can lead to disaster. The numbers show that most people who are lucky enough to have money to i...
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Perspectives on Market Volatility Share PostTwitterFacebookGoogle +1Email stock market, stock market volatility, volatility
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Happy New Year !? 2015 was a disappointing year for most investors, with stomach-churning volatility, and returns that ended the year mostly negative. But the start to 2016 has been decidedly worse. Concerns surrounding Chinese growth, and another devaluation of the Chinese currency, sent global m…
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Should Investors Sell After a Correction? Download Share PostTwitterFacebookGoogle +1Email correction, sell off, stock market
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I’ve been getting more questions than usual regarding the health of the U.S. stock market. More specifically, is the market overvalued and ripe for a downturn? Here is some perspective.

As has nearly always been the case and remains so today, ask a market bear about valuation and he’ll likely say the market is very expensive. Yet, ask a market bull about valuation and he’ll likely say the market is reasonably valued. How can that be? Assuming by “valuation,” we’re talking about pr…
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The average rate on a 30-year fixed-rate mortgage was 3.8% at the end of last week. That is down from 4.5% as recently as last spring, the lowest since May 2013 and far below the 5 percent-plus rates that prevailed as recently as early 2011. Rates on 15-year mortgages are even lower at just 3.1%
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Is your income down this year? If so, it might be a good time to convert some of your IRA to a Roth IRA. Message me to find out if this makes tax-sense for you.

I had the pleasure of running into an old friend at the Schwab Impact conference in Denver yesterday. Impact is an annual conference for independent advisors who work with Schwab. Andy and I started in the business together more than 20 years ago. We were 20-something stockbrokers peddling IPOs at a small Boulder investment bank. We later worked together at Schwab. Andy is still with Schwab helping to deliver investment advice to the mass affluent. I work with high-net-worth clients. We've have both had great success since those formative years of trying to "break in."

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� Current Insights � Featured � Recent Stock Market Drop, by Hank Nicholson, CFP The U.S. stock market achieved an all-time during the middle of September, and ended the quarter fractionally higher.�
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Wall Street Journal editor fires investment manager after only nine months. The reasons were all too common. http://silverpeakwealth.com/wall-street-journal-editor-fir…/

In a recent Wall Street Journal article, editor Kevin Noblet describes he and his wife’s disappointing experience hiring a new investment manager, then firing him after only nine months.
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I have been using index funds and other passive investments for my clients for more than a decade… And, for good reasons.  Most importantly, passive investments (like index funds) tend to outperform the Wall Street stock-pickers over long periods of time because their fees are so much lower.
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More volatility likely ahead! Check out some surprising historical statistics.

Stocks are enjoying an extended period of rising prices and low volatility.  While it is true that stocks might now be slightly overvalued, and that low volatility has led to investor complacency, it is also true that the global economy now finds itself in a period of relative stability and coordina…
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Real estate investment trusts (REITs) are companies that own, and often manage, income-producing real estate.  But REITs are quite diverse in nature and can own a variety of different property types.  Additionally, some REITs are publically-traded (just like stocks), others are not.  While the liqui…
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The economy is looking strong and putting people back to work.

GDP growth stalled during the first half of 2014, primarily due to poor weather, but it now appears that these weak GDP figures were actually obscuring a much stronger economy.  For instance, the job market is doing great.  Job gains over the first half of 2014 were as strong as any since the peak o…
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