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The Goff Financial Group

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Cash Reserve in Retirement

February 22, 2024 by Robert Seal

Cash reserves in retirementDo you keep a spare tire in your car? You hope you will never have to use it, but it is good to know it is there in case you have an emergency with a flat tire. The same can be said of a cash reserve in retirement – you would rather not dip into [...]

Filed Under: Financial Markets, Investment Management, Markets, Retirement, Risk Management, Uncategorized, Wealth Management

Sequence of Returns Risk

September 29, 2021 by Robert Seal

sequence-of-returns-riskWhen buying a home, you probably know many potential risks, such as the risk your home will go down in value over time or the risk that your home will require a lot of maintenance after purchase. In the same way, knowledgeable investors are aware that investing in the capital markets presents any number of [...]

Filed Under: Financial Markets, Investment Management, Markets, Retirement, Risk Management, Stocks, Taxes, Wealth Management

Tuning Out the Noise from the Financial Media

June 25, 2021 by Robert Seal

Image used under license from Freestock.com When asked what to watch out for when it comes to investing, clients may expect us to tell them about a specific stock to avoid, or something similar. But our answer is often far different. One of the biggest things you may want to watch out for is actually the financial media. [...]

Filed Under: Exchange Traded Funds, Federal Reserve, Financial Advisor, Financial Markets, Investing, Investment Management, Market Forecasts, Markets, Wealth Management

How to Protect Yourself and Your Money From Hackers and Identity Thieves

September 18, 2017 by Matthew Goff Leave a Comment

social-security-benefits-advisor

As you may have heard, Equifax, which is a credit reporting agency, suffered a data breach that compromised the personal and financial data of more than 143 million Americans.1 The information accessed included names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. While this data breach is the largest in recent memory, these types of occurrences have become all too common and put us all at increased risk of identify theft. Unfortunately, the risks of identity theft extend beyond to just identity thieves taking out loans in your name. Fortunately, there are steps you can take to protect yourself.  Continue Reading …

Filed Under: Credit, Credit Reporting, Financial Advisor, Financial Markets, Identity Theft, Security, Social Security Tagged With: Credit Report, Data Breach, Equifax

Objective Investment Advice You Can Use

September 2, 2015 by Matthew Goff Leave a Comment

Stock-Market-Downgrade-And-Your-Invesmtents

As you probably saw last week, global stock markets dropped sharply in value. There are a number of factors contributing to these recent declines including expectations of higher interest rates, falling oil prices and an economic slowdown in China.

As our focus is on the long-term, we welcome periods of sharp market declines as falling prices often produce for our clients buying opportunities with less risk. Also, periods of sharp market declines are historically normal and to be expected when investing in the stock market.   Continue Reading …

Filed Under: Bonds, Credit, Currency, DJI, Economy, Equities, Expense Ratios, Federal Reserve, Financial Markets, Investing, Investment Management, Lagging Indicators, Leading Indicators, Market Forecasts, Markets, Portfolio Benchmarking, Portfolio Management, Registered Investment Advisor, RIA, S&P 500, Wealth Management

Should You Follow Market Forecasters?

June 3, 2015 by Matthew Goff Leave a Comment

USA Today recently published an interesting article titled “How bad are Wall Street forecasts? Really bad.” The article reviews why you are probably better off ignoring financial advisors who try to predict the market. Not only is their combined track record horrible over time, you may get better results by simply tossing a coin – […]

Filed Under: Economy, Financial Markets, Investing, Lagging Indicators, Leading Indicators, Market Forecasts, Markets, Portfolio Benchmarking, S&P 500, Stocks Tagged With: Market Forecasts

The Federal Reserve’s Impact on Your Portfolio

June 3, 2015 by Matthew Goff Leave a Comment

Portfolio-Management-and-the-Impact-of-the-federal-reserve-bank

Changes in interest rates have a disproportionate effect on your portfolio. Lower interest rates can help boost corporate earnings, and as earnings increase, market prices often do too. This is a key reason why stocks frequently increase in value as interest rates fall. Another reason is that lower interest rates drive investors to seek higher […]

Filed Under: Federal Reserve, Financial Markets, Fixed Income, Interest Rates, Investing Tagged With: Interest Rates

Retro Investing Article from WSJ

June 2, 2015 by Matthew Goff Leave a Comment

The Wall Street Journal recently published a very timely article about the current investment climate. Here’s the link in case you missed it: “Retro Investing – Look Back to Get Ahead.” As the title implies, the author suggests that history can offer important lessons to help us chart an investment path forward. I agree. In […]

Filed Under: Bonds, Economy, Equities, Federal Reserve, Financial Markets, Fixed Income, Stocks

S&P Downgrade

June 2, 2015 by Matthew Goff Leave a Comment

affects-your-retirement-and-investments-wealth-management-houston

Lessons of Lower Ratings Regarding S&P’s decision to downgrade the U.S. credit rating, the Wall Street Journal’s article Lessons of Lower Ratings provides an historical perspective of how other countries have performed after a cut in their credit ratings. As discussed in the article, history suggests the recent downgrade could actually be a long-term positive […]

Filed Under: Credit, Economy, Financial Markets, Market Forecasts, Markets Tagged With: Standard & Poor's

Ignore the Economists

June 1, 2015 by Matthew Goff Leave a Comment

Bear-Market-vs.-bull-market-houston-financial-advisor

CNNMoney just published an excellent article titled Don’t Listen to Recession Forecasters. This is a great article for those investors who believe they can time the market by predicting recessions. As the article suggests, the odds are greatly stacked against this approach. Here are two key points to consider from the article (with my comments): […]

Filed Under: Economy, Financial Advisor, Financial Markets, Market Forecasts

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