A Simple Concept

Combining an enduring investment philosophy with a simple formula that helps maintain investment discipline can increase the odds of having a positive financial experience. 

Different Directions

While the concept of correlation may be a bit confusing, it is critical to the concept of science-based investing. So, here’s our attempt at explaning correlation and how it effects your investments.

Where Did My Premium Go?

From 1928–2017 the value premium in the US had a positive annualized return of approximately 3.5%. In seven of the last 10 calendar years, however, the value premium in the US has been negative. So, what happened to it?

A Different Way To Donate

We give to support the causes we cherish. We give because we’re grateful for the good fortune we’ve enjoyed. Good giving feels great – for donor and recipient alike. That said, a tax break can feel good too, and it may help you give more than you otherwise could. Enter the donor-advised fund (DAF) as a potential tool for continuing to give meaningfully and tax-efficiently under the new tax law. 

Do Good to Do Well

Growing interest in the impact of fossil fuels on the global climate may spark questions about whether individuals can integrate their values around sustainability with their investment goals and, if so, how.

Nobody Knows the Future

In 2017, we were again reminded of the importance of following an investment approach based on discipline and diversification vs. prediction and timing. Moving forward, we can look at several examples from 2017 that provide perspective on what guidance investors may want to follow, or not follow, in order to achieve the long-term return the capital markets offer.

When Rates Rise

What do rising interest rates mean to your financial well-being? Is there anything you should “do” to your investment portfolio when they occur? As with most economic events over which we have no control, we typically recommend you act only on factors you can personally expect to manage. 

Planning for Stormy Seas

Embarking on a financial plan is like sailing around the world. The voyage won’t always go to plan, and there’ll be rough seas. But the odds of reaching your destination increase greatly if you are prepared, flexible, patient, and well-advised.

The Best Advice

The human brain is wired to create poor financial decision making. Generally, when it comes to money, we feel secure when we should feel insure, and we feel nervous when the risk of loss is actually quite low. 

Cryptic Currency

Have you caught cryptocurrency fever, or are you at least wondering what the fuss and excitement are all about? Odds are, you hadn’t even heard the term until recently. Now, it seems as if everybody and their cousin are wondering if they should be buying Bitcoin or Ethereum. 

9 Real Investor Questions

Focusing on what you can control can lead to a better investment experience. Whether you’ve been investing for decades or are just getting started, at some point on your investment journey you’ll likely ask yourself some of these questions.

The Reality of Average

The US stock market has delivered an average annual return of around 10% since 1926. But short-term results may vary, and in any given period stock returns can be positive, negative, or flat. 

Catchphrase Investing

The financial media is drawn to catchphrases, acronyms, and buzzwords that can be sold as the new thing. FAANG (Facebook, Apple, Amazon, Neflix, and Google) is the latest of these. But does this constitute an investment strategy?