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Diversification is for folks who don’t know the future—which is all of us. Think of it this way, if you knew the future perfectly would you ever diversify your portfolio? Of course not. You would simply pick the single ticker that was destined to produce the highest return.   End of story. Continue reading The Purpose of Diversification: A Review of the Past 49 Years

    Stock prices fluctuate for a myriad of reasons.  Understanding a number of the possible causes for price fluctuations will help investors make better portfolio management decisions. Continue reading Stock Prices Fluctuate for a Myriad of Reasons

  As we’re now past the halfway point of 2019, we pass along this reminder that now might be an ideal time to review your portfolio and identify if any rebalancing changes may be necessary to reach long-term goals. Here’s a multi-step guideline that you will find helpful to accomplish this important portfolio management task. Continue reading Mid Year Rebalancing Tips

Craig L. Israelsen   It’s that time again…for a performance review of key market indexes.  In addition, we’ll examine the performance of a broadly diversified 12-index portfolio model.  The indexes in this analysis represent the following broad asset classes:  US equities, non-US equities, real estate, resources/commodities, US bonds, non-US bonds, and cash.  Continue reading When Boring is Good

There are several strategies that can be used to generate retirement income. One of those is the bucket theory of investing, which basically requires investors to contribute to three different buckets. There are variations to this bucket strategy of investing, so we encourage investors to find the right three-bucket approach for their specific needs.  Read Continue reading Using a Bucket Strategy for Retirement Income Planning

We’re all still adjusting to the Tax Cuts and Jobs Act of 2017, the new tax plan that overhauled tax brackets for individuals as well as many standard deductions and exemptions. Continue reading 5 Ways You Can Keep Your Tax Bill Down…

  Make 2019 the year you learn to understand and manage your risk tolerance. The beginning of a new year is an ideal time to evaluate your investment portfolio. Make time these first few weeks of 2019 to first review your long-term goals, which can be anything from finally tackling debt or building your emergency Continue reading Understanding and Managing your Risk Tolerance

  As the close of 2018 quickly approaches, investor’s should start thinking ahead, reviewing and taking advantage of tax saving strategies. Here are three important tips that will help investor’s manage tax consequences, while helping to better manage their investment portfolio(s). Continue reading Three Important Year-End Tax Planning Tips

  Provided here is a list of websites of interest to investors…         Continue reading Useful Websites for Investors

One important benefit of using a portfolio management and investment record keeping system is the ability to utilize and access information for improved year-end decision making, including useful tax planning, monitoring and reporting tools. Continue reading Year-End Portfolio Management and Tax Planning