Feature Articles:

Rates & Your Money

By Mathew Coyle, CFP®

July 16, 2019Individual Investment Management

Recently I was visiting with a prospective client discussing her portfolio.  As we began to discuss the allocations, I spoke briefly about her large bond position relative to her goals and how moves in interest rates may affect her.  I was then presented with a...

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3rd Quarter 2019 Strategy - “Inflation is too Low”

By Patrick Larson, CFA®

July 15, 2019Institutional Investment Management

Economic Overview

The expectation of a rebound in Q2 GDP is not likely going to happen.  The 3.1% we experienced in Q1 looks like it will fall to the low 1% area for Q2.  The lag in GDP reporting explains why we discuss it here...

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Why DO Stock values Rise?

By Mathew Coyle, CFP®

June 27, 2019Individual Investment Management

Why DO Stock Values Rise? The assertion that stocks are excellent long-term investments is not held by all investors (thank you, 2008!). There are, however, good reasons why values of companies generally rise over time.  

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Historical Returns: According to Credit Suisse (CS) long term track records of...

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Why Stay Invested?

By Mathew Coyle, CFP®

June 17, 2019Individual Investment Management
Why Stay Invested?

How market timing can kill returns. The market's gyrations are often unnerving, but there are good reasons why you need to be a long-term minded investor.  Whether you're an aggressive growth investor or take a moderate stance, attempting to "time" the market's best days will...

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Reduce Risk in Your Defined Benefit Plan – Asset Liability Immunization Strategy (ALIS) Explained

By Tony Albrecht, CFA®

May 30, 2019Institutional Investment ConsultingRetirement Plans

Often the focus of Defined Benefit (DB) Plans is on the return generated by the plan assets.  The DB assets are managed to provide an attractive rate of return which usually requires a significant allocation to equities or other forms of risk-seeking assets in...

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“SECURE” Legislation

By Justin Dorsey, J.D.

May 21, 2019Institutional Investment ConsultingRetirement Plans

Setting Every Community up for Retirement Enhancement (SECURE) Act

On March 29, 2019, House Ways & Means Committee Chairman Richard Neal, D-Mass., introduced new bipartisan legislation, The Setting Every Community up for Retirement Enhancement (SECURE) Act of 2019, which eases the ability to offer...

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College Planning Basics

By Mathew Coyle, CFP®

May 21, 2019Individual Investment Management

College Planning Basics Important Facts to Know What are some important planning tips?   Read on...

1. The 529 Plan - Use It! Want to save for college?  Do you have family that would like to gift money for school?  Would you like to do it in the most tax-efficient method possible?  You need to open...

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Be Careful with Company Stock

By Mathew Coyle, CFP®

May 14, 2019Individual Investment Management

Be Careful with Company Stock Understanding rules can save you thousands!

As a form of compensation, many managers and decision-makers are awarded shares of stock within their qualified plans in lieu of income.  This is a welcome perk but can inadvertently cause you additional liabilities...

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Social Security Can be Fixed!

By Mathew Coyle, CFP®

May 01, 2019Individual Investment Management

Social Security Can be Fixed! Why we should keep this valuable program. The death of social security (as advertised) is vastly overstated.  News networks and "financial experts" desperate to sell advertising and attract eyeballs will often exaggerate the death of the program to attract viewers.

First a...

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2nd Quarter 2019 - Global Slowdown Has Begun

By Patrick Larson, CFA®

April 16, 2019Institutional Investment Management

Economic Overview 

Our theme for the first quarter was: “Things are Slowing Down” which turned out to be the case.  Many economic indicators in Europe have pointed to a slowdown this year. The Purchasing Manager’s Index (PMI) peaked in the Eurozone in December 2017 and had fallen below 50...

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Dealing with Debt

By Mathew Coyle, CFP®

March 31, 2019Individual Investment Management

Paying Off Debt - All debt is not created equal.

The often-repeated mantra that "all debt is bad debt" demonstrates a fundamental misunderstanding of how money really works.  Here are 3 things to consider:

1.  It's just a tool. The apt analogy here is that of a kitchen knife.  Kitchen knives can be dangerous, but...

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Tips to Avoiding Fraud

By Mathew Coyle, CFP®

March 06, 2019Individual Investment Management

March is a busy time of year for you...and those after your money.  

5 Characteristics of Most Scams: March is a busy month.  The market is usually active, taxes are due in April, and people are busy making financial decisions.  Avoiding scams is easy if you...

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Spending in Retirement

By Mathew Coyle, CFP®

February 13, 2019Individual Investment Management

Spending in Your Retirement. A secure retirement is the combination of careful planning and understanding how taxes will affect you. Diversify Beyond Tax Deferral...Let's be clear - 401k and IRA accounts are valuable tools.  A word of caution however - don't forget to stash additional savings in taxable brokerage accounts, Roth IRAs,...

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Financial Institutions Insights 1st Quarter 2019 Strategy

By Patrick Larson, CFA®

January 21, 2019Institutional Investment Management

Economic Overview - What a Difference a Quarter Makes! 

We entered the fourth quarter of 2018 with solid economic growth, interest rates near a multi-year peak and an equity market that was trading near record highs.  But things changed.  Expectations that the economy will slow...

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Stocks in 2019

By Mathew Coyle, CFP®

January 10, 2019Individual Investment Management

Stocks in 2019. It's important to be realistic about what the market will (and won't) yield following a multi-year rally in stocks.  

Big Gains?  Probably not - but...Various sectors, classes, and industries do not move in unison and this presents opportunities.  For the past decade, lower quality, high growth...

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Accessing Your 401(k) Funds Early

By Mathew Coyle, CFP®

December 18, 2018Individual Investment Management

Accessing 401k Funds Early...Normally you aren't allowed to withdraw funds from a 401k or other retirement plan prior to age 59 & 1/2 without a 10% penalty in addition to taxes owed.  There is however, a notable exception to this rule if you are looking...

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The Hidden Rollover Tax

By Mathew Coyle, CFP®

November 19, 2018Individual Investment Management

Avoid the IRS Rollover Trap! As 2018 rolls to a close, people across the country will "roll over" old IRA, 401k, and company plans....and accidentally cost themselves thousands of dollars in taxes.  What is a "rollover?"...When you move money from one company retirement plan or IRA into another company...

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The Winds of Change in Retirement Plan Design: Guaranteed Lifetime Income

By Justin Dorsey, J.D.

November 15, 2018Institutional Investment ConsultingRetirement Plans

We believe resolutely that there is a slowly, but inexorably, growing movement in the US towards reshaping the question of retirement readiness – at least in part – from wealth accumulation to guaranteed lifetime income (e.g., think old-fashioned pension benefit for life – but in a defined...

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Crafting the Retirement Readiness Scorecard

By Devon Triebold

November 01, 2018Institutional Investment ConsultingRetirement PlansParticipant Financial Wellness Services

How do you measure whether your participants will be ready for retirement when the time comes? This is the question we were faced with in the spring of 2017. The question was driven by wanting to assess – in a measurable way – the impact...

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Financial Institutions 4th Quarter 2018 Strategy

By Patrick Larson, CFA®

October 17, 2018Institutional Investment Management

Economic Overview  

The economy is growing at a remarkable pace.  Second quarter GDP increased 4.2% and the 3rd quarter may also exceed 4.0%.  It seems likely 4th quarter GDP will be between 3.0% and 3.5%.  Up to this point, the Fed seems to have gotten both...

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Market Volatility Returns

By Mathew Coyle, CFP®

October 08, 2018Individual Investment Management

With many portfolios flat or slightly down for the year, the 1st and 4th quarters have book-ended a volatile 2018 with 11% and 7% respective sell-offs in the broader market.  What's causing the volatility and is it normal historically? 

What's Causing It?...For most investors, 2018 has felt...

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Ignoring Social Security Doomsayers

By Mathew Coyle, CFP®

September 03, 2018Individual Investment Management

Don't Be Fooled by Social Security Doomsayers. The program is healthier than you think - and its problems are much easier to fix than advertised.  Here are 3 facts about the program you need to know! Fact #1: The Fund & Costs

Despite headlines to the contrary,...

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Money & Travel - 7 Tips

By Mathew Coyle, CFP®

August 10, 2018Individual Investment Management

With vacation season upon us, here is some advice and tips from this author's own experience on the road.  #1: Travel Insurance...A product sold - never purchased!  Customers don't know what they are buying and firms are fuzzy on what they cover.  Most high quality credit cards...

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Financial Wellness Niche: Student Loan Repayment Benefits – Part 2: How and Who

August 01, 2018Participant Financial Wellness Services

This article is the second installment in a series on Student Loan Repayment Benefits. The first installment discussed why the benefit is gaining traction with employers and the variety of services that are available. We recommend you take a look at Part...

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