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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.

A few weeks ago, my wife, Annie, and I were having lunch with our 13-year-old son, Joe. Because he’s often curious about what I do at work, I decided to ask a question: Do you understand the difference between stocks and bonds? He had an answer which was generally correct but not entirely complete. So, I asked him to pretend he had started a company that manufactures video games. His company...

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Joan of Arc, Sacajawea, Marie Curie, Eleanor Roosevelt, Rosa Parks, Princess Diana, Mother Teresa, Oprah, and many other women have influenced history greatly, because of things they accomplished and who they were. When I see these names, I feel discouraged, because I don’t see myself doing anything extraordinary like these women. I recently listened to a podcast that interviewed a woman named Dr. Kristy Archuleta, who went to college to become...

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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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Cash flow in retirement can be confusing. There is the question of where to get the money. Should it come from your IRA? How about your nonqualified investments? What if you have pension income? How much should you factor in social security? Maybe you’ve heard of the 4% rule, which states that you can take 4% of your investment portfolio each year and you “should” never run out of money. Some...

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Baseball season is long. Major leaguers start spring training in mid-February, with a month of practices and scrimmages. Six months, consisting of a 162-game schedule, take us through the summer. Finally, the playoffs fill up October and deliver us a World Series champion by the start of November: One champion. One. Fans of one team are elated and celebrate with a trophy. Fans of the other twenty-nine teams wind up...

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I meet with individuals and families each week who tell me about things they are celebrating, like retirement, weddings, births, anniversaries, and other wonderful events. I also have clients who tell me sad stories about losing loved ones, divorces, dementia, difficult family relationships, and much more. Last year, I attended a conference and heard Amy Florian speak about her studies of grief, and I became passionate about helping those around...

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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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A life insurance policy typically is taken out at a certain point in a person’s life to address a specific need. As the years go by, circumstances change. That’s why every life insurance policy should be evaluated periodically to identify weaknesses and maximize performance within the policy. Is your life insurance policy performing as well as it could be? Here are some factors that could be undermining your policy’s performance. Every...

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Does the increased volatility in financial markets, in 2018 compared to 2017, have you feeling a bit anxious? Recently, on separate occasions, I heard the Executive Producer of The Big Bang Theory and Principles author and Bridgewater & Associates founder, talking about the same subject, uncertainty. Ray Dalio, the best-selling author of the book, Principles, and the founder of Bridgewater & Associates, one of the world’s largest hedge funds, referenced a...

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