Feature Articles: Individual Investment Management

Third Quarter 2020 Municipal Insights

By Patrick Larson, CFA®

October 15, 2020Individual Investment Management
Third Quarter 2020 – Fed Policy, Politics, and a Pandemic

The Federal Reserve has responded to this crisis with exceptional speed and effectiveness.  Although the lines of separation between the “independent” Fed and the U.S. Treasury Department have been blurred, the various sources of support have resulted in elevated...

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Stocks and Elections

By Mathew Coyle, CFP®

August 21, 2020Individual Investment Management

Stocks & Elections It's often a non-event!

As elections approach, our knee-jerk reaction is to become much more conservative by nature.  On the surface this makes good sense, but how do markets typically perform before and after elections?  A look at some data is warranted to analyze. ...

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Why Investing Reduces Risk

By Mathew Coyle, CFP®

July 21, 2020Individual Investment Management

Why Investing Reduces Risk Don't trade one risk for another!  

When I say the word "risk," what comes to mind?  If I asked most people how to define it, they would answer in one or a combination of the following:

What is my chance of loss? How variable is the price of...Read More...

Second Quarter 2020 Municipal Insights

By Patrick Larson, CFA®

July 15, 2020Individual Investment Management
Happy Days are Here Again

The second quarter of 2020 started with non-stop news and speculation about the devastation the COVID-19 pandemic might cause. At the same time, the markets were trying to digest the efficacy of the massive and unprecedented liquidity programs...

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Variable Annuities are Rarely Attractive

By Mathew Coyle, CFP®

May 11, 2020Individual Investment Management

Variable Annuities are Rarely Attractive.  A product often sold but rarely sought!    Avoiding the annuity hustle. 

As markets correct and the world becomes more uncertain, there is one thing you CAN be sure of during times like these - aggressive annuity salespeople. Why you ask?  One of the most seductive...

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First Quarter 2020 Municipal Insights

By Patrick Larson, CFA®

April 17, 2020Individual Investment Management

First Quarter 2020 - Well that was Fast

As we began 2020, there were signs that domestic economy was strong.  Unemployment was historically low, real wages were rising, some housing markets were strong and broad measures of consumer sentiment were promising.  The consumer was thought...

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ACG Recognition

By Dan Schroeder, QKA, QPFC

April 16, 2020Institutional Investment ConsultingRetirement PlansIndividual Investment Management

During an unprecedented and confusing time, we hope to provide solace in the form of reassurance. This is why we’d like to share with you our recent recognition as a way of letting you know that we are here to stay and committed to...

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Is Value Turning the Corner?

By Mathew Coyle, CFP®

February 25, 2020Individual Investment Management

From 1959 to 1978, the S&P 500 index compounded at 4.3% annually.  Over the next 20 years, it compounded at 17.7% annually.  For bond investors over the same time frames, long-term government bonds compounded at 3.4% annually and 11.1% annually.  This has often led investors to...

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Fourth Quarter 2019 Municipal Insight

By Patrick Larson, CFA®

January 15, 2020Individual Investment Management

The noisy themes for the 4th quarter were centered on concerns of a global economic slowdown, uncertainty related to trade negotiations, and manufacturing weakness in the US and abroad. These themes were countered by strong domestic employment numbers , real wage growth,...

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New Retirement Rules

By Mathew Coyle, CFP®

January 09, 2020Individual Investment Management

New Retirement Rules How the IRS is Changing Retirement (Four key changes)

Change #1:  IRA RMDs If you are of age 70.5 or higher, it was required that you take a draw from your qualified plan or IRA.  This age has now been raised by the IRS to age...

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Year End Planning Ideas

By Mathew Coyle, CFP®

December 03, 2019Individual Investment Management

End of Year Planning What to consider before 2020.

Idea #1:  Convert or Fund a Roth IRA: If you earn more than $137k as a single filer or $203k jointly you are not allowed to contribute to a Roth IRA for 2019.  There is however, no limit on...

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