Monthly Archives: June 2016

Kent Kramer

“It’s tough to make predictions, especially about the future.” Yogi Berra A Yogi Berra quote may seem a bit too lighthearted as an opening thought regarding the momentous “Brexit Leave” voting result and the immediate reactions, financially and politically, around the world. Though the quote is humorous, the point is an important one for investors to consider. Reliably predicting future events has been hard to impossible in the past, and there...

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Marcus Iwig

One of the biggest risks facing retirees in the medical profession is sequence of returns risk.  This is the risk that, early in retirement, returns of an invested portfolio are very low or negative, even if long-term returns meet initial expectations.  Generally, during those first few years of retirement, retirees have the most dollars they’ll ever have working for them and they are likely spending at relatively high levels since...

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Kent Kramer

In mid-May, a quick review of the Wall Street Journal revealed the average yield on a five-year CD was 1.26% and the ten-year US Treasury note was yielding 1.85%. These low rates can lead investors to seek higher returns in other places. Two especially popular ones are longer-term bonds and high-yield bonds. While there may be a place for these in your portfolio, the age old warning, “caveat emptor” or buyer...

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Reed Rinderknecht, CFP®

BANG!! That is the simple four-letter word Jay Wright, head coach of the Villanova Wildcats, spoke when the final shot left Kris Jenkins’ hand, arced through the air in Houston, Texas, and splashed through the net. Millions of people saw the greatest Final game in NCAA Tournament history, but few really know the story behind that final play and legendary shot. I’ve seen hundreds, if not thousands, of football, basketball, and...

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Scott J. Snyder, JD, CFP®, CFA, CIMA®

The investment returns of the past 15 years have been disappointing, at least by historical standards.  Through year-end 2015, the S&P 500 Index only grew at an annualized rate of 5.00%.  That’s less than half of the 10.71% average return for rolling fifteen-year periods going back to 1926.  Especially in these lower-return environments, we want to minimize the amount of investment profits lost to the income tax bite. The tax law...

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