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Bundle Up? Not When It Comes To Financial Services

June 3, 2016 by Matthew Goff Leave a Comment

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For many people subscribing to satellite services or cable television over the last couple of decades, the business model has been “bundling services” like television, Internet and phone together for a single rate. However, in this system, many customers are paying for TV channels that they never watch or for a landline that they rarely use. With the increased popularity of “cutting the cord” to cable and satellite TV in order to watch TV series and films on Over-The-Top (OTT) content devices, there have been calls, even from Washington, for a “pay for what you watch” or “a la carte” approach.  Continue Reading …

Filed Under: 401k, 401k Plans, Annuities, Bonds, Debt Management, Fiduciary, Financial Advisor, Investing, Investment Management, Mutual Funds, Portfolio Management, Registered Investment Advisor, Retirement, RIA, Stock Broker, Stocks, Taxes, Uncategorized, Wealth Management Tagged With: CFP, choosing experts, CPA, estate planning, financial planning, financial services, investment advisor

Annuities: Are They a Good Option in Turbulent Times?

March 22, 2016 by Matthew Goff Leave a Comment

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As Americans get older and the stock market goes through a periodic decline, the temptation to decrease risk over fears of running out of money makes people turn to annuities, according to the recent New York Times article entitled “Annuities as an Alternative to Shaky Markets? Not So Fast.” Single Premium Immediate Annuities (SPIA) are an especially enticing option as Americans near retirement, because by paying an upfront premium, persons can draw a payment periodically for the rest of their lives.  Continue Reading …

Filed Under: Annuities, Fixed Income, Interest Rates, Investing, Lump Sum, Pension, Retirement, Wealth Management

Objective Investment Advice You Can Use

September 2, 2015 by Matthew Goff Leave a Comment

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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

Finding Your Financial Advocate

June 10, 2015 by Matthew Goff Leave a Comment

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When it comes to getting objective advice for your financial well-being, do you know the difference between being a customer and being a client? Understanding the difference between the two can make all the difference in the world, especially for financial services. A customer relationship is driven by a transaction taking place, such as buying […]

Filed Under: Fiduciary, Financial Advisor, Investment Management, Registered Investment Advisor, Wealth Management

What should I do with my stock options?

June 10, 2015 by Matthew Goff Leave a Comment

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If you’re holding stock options from your employer, our Employee Stock Options Strategy will help you answer these questions: Should I exercise my options now or risk holding out for a higher price in the future? What are the tax consequences of exercising my options? How do my company stock options impact my overall portfolio? […]

Filed Under: Employee Stock Options, Options, Options Strategy, Stock Options, Taxes

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

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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

Slow and Steady Wins the Race Investing

June 3, 2015 by Matthew Goff Leave a Comment

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Research released last month is turning conventional investing wisdom on its head. At a top investment conference, researchers demonstrated that a number of widely held beliefs about stocks simply have not held up over time. Here’s what they found: Low volatility stocks outperform volatile ones in the long run: Looking at forty years of data, […]

Filed Under: Investing Tagged With: Slow and Steady Wins the Race Investing

Should You Have ETFs in Your Portfolio?

June 3, 2015 by Matthew Goff Leave a Comment

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Exchange Traded Funds (ETFs) have been attracting more and more attention in recent months. CNN Money recently published a detailed article titled “ETFs: Why so complicated?” which discussed how ETFs can be used and abused. I strongly agree with the article’s primary point: The key to success with ETFs is careful management. It’s no mystery […]

Filed Under: ETF's, Exchange Traded Funds, Investing, P/E Ratios, Portfolio Management

The Risk of Selling Now to Pay Lower Taxes

June 3, 2015 by Matthew Goff Leave a Comment

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To quote the late Chief Justice John Marshall, “The power to tax is the power to destroy.” That’s why managing your portfolio in a tax-efficient manner should be an increasingly important part of your investment strategy—especially given the looming risk of higher taxation. After all, what really matters in the long-term is not your pre-tax […]

Filed Under: Investing

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