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Our unique approach to investing is based on a solid academic foundation designed to lead to successful client experiences. This approach helps us come to a deeper understanding of the financial landscape, and helps clients reach their financial goals.

The results of our thinking on financial topics lives in these pages: a library of white papers, market commentary, and more, all designed to provide insights on financial planning in today’s marketplace, and to help you understand our firm.

Gift with a tax deduction? In most instances, if you give a gift to a family member, you not only don’t receive a tax break, but you need to be mindful of the amount of the gift in case a gift tax return needs to be filed. Wow.  That sentence just put me to sleep. Let’s try that again. I want to help my kids and/or grandkids prepare to pay for college.  Is a...

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For many years, Foster Group has approached asset allocation using an analysis we call our Lifeboat Drill.  Setting a proper mix of growth assets like stocks or real estate, and preservation assets like bonds, begins with understanding our clients’ future cash flow needs.  The answers to two questions provide the foundation for our Lifeboat Drill. First, we explore the minimum return rate you must earn on your portfolio assets to meet...

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We recently expanded our graphs section, providing review of the monthly performance of various asset classes including benchmark indices and representative mutual funds used by Foster Group in the execution of our portfolio allocation strategy. We hope you’ll find these graphs helpful and informative. If you have any questions or suggestions, please let us know via email at info@fostergrp.com....

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Scott Snyder and I were meeting with a 20-year client of Foster Group. We’ll call her Susie. She and her husband have done a great job with their finances. They’ve saved. They’ve given money away. They’ve been aggressive in paying down debt. Frankly, they’ve taken the advice we’ve given them and run with it. When we pulled up their financial plan on eMoney (the tool we use to help people make...

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Physicians are busy, not just because of their practice of medicine, but also due to their community and professional involvement.  Physicians are leaders in their own right and often serve as board members for non-profits, associations, and organizations about which they are passionate.  Their understanding of the entity’s financial circumstances is critical, and their efforts to maintain financial viability long into the future helps realize the mission.  When these organizations...

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I don't like New Year’s resolutions very much. The whole thing feels overwhelming, especially after just surviving the holidays.  Also, it seems like a difficult time of year to make big, wholesale changes!  For instance, deciding to start exercising when it’s ten below out, kids have before- and after-school activities, and if you aren’t recovering from the flu or a cold, you are just about to get it.  It seems...

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The total return of the S&P 500 index over the past five calendar years (2011-2015) is +80.7%.  The 13 best trading days during those five years (i.e., 13 days out of 1,258 total trading days) produced a 55.1% gain.  Thus, 1% of the trading days were responsible for 68% of the index’s total return. * 20-plus years ago, Jerry and I used to record a cassette tape--yes, that’s right, a...

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We recently expanded our graphs section, providing review of the monthly performance of various asset classes including benchmark indices and representative mutual funds used by Foster Group in the execution of our portfolio allocation strategy. We hope you’ll find these graphs helpful and informative. If you have any questions or suggestions, please let us know via email at info@fostergrp.com....

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Physicians are becoming more and more accustomed to scrutiny of the cost of their services.  In an era of healthcare reform, the squeeze is on to reduce margin thanks to pressure from the government, insurance companies, and patients.  Declining reimbursements are forcing medical professionals to cut staff, limit time with patients and, in some instances, turn away those seeking specific medical services.  Patients are also bearing a greater cost-sharing burden...

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