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?

What DO We Know?

The correct withdrawal rate of your retirement assets will only be apparent in the rearview mirror. That’s a scary proposition. But, what do we know for sure about retirement planning?


Prior to last year, few paid any attention to Bitcoin and the myriad of other cryptocurrencies that have flooded the market. Nothing like a several hundred percent rise in price to get people's attention. What led to both the rise and recent fall of Bitcoin and its ilk? While the "currencies" may new, but the reasons may be as old as humanity.


Here's a question I'll bet you never imagined asking until recently: What are these cryptocurrencies like Bitcoin or Ethereum worth? And does what the market claims their are currently "worth," actually have any basis in reality? If you're confused, you're not alone.

As Goes January...

...so goes the year.

This theory suggests that the price movement of the S&P 500 during the month of January may signal whether that index will rise or fall during the remainder of the year. In other words, if the return of the S&P 500 in January is negative, this would supposedly foreshadow a fall for the stock market for the remainder of the year, and vice versa if returns in January are positive.

So What Happened Last Year?

At the beginning of 2017, a common view among money managers and analysts was that the financial markets would not repeat their strong returns from 2016. Many cited the uncertain global economy, political turmoil in the US, implementation of Brexit, conflicts in the Middle East, North Korea’s weapons buildup, and other factors. The global equity markets defied their predictions, with major equity indices in the US, developed ex-US, and emerging markets posting strong returns for the year.

ABCs of Bad Investor Behavior - part one

By now, you’ve probably heard the news: Your own behavioral biases are often the greatest threat to your financial well-being. As investors, we leap before we look. We stay when we should go. We cringe at the very risks that are expected to generate our greatest rewards. All the while, we rush into nearly every move, only to fret and regret them long after the deed is done. 

Not Getting What You Pay For

People rely on a lot of different information about costs to help inform these decisions. When you buy a car, for example, the sticker price tells you approximately how much you can expect to pay for the car itself. But the sticker price is only one part of the overall cost of owning a car. Other things like sales tax, the cost of insurance, expected routine maintenance costs, and the potential cost of unexpected repairs are also important to understand.