December 31, 2021 Index Investing Isn’t What You Think “In times of change, learners inherit the earth, while the learned find themselves beautifully equipped to deal with a world that no longer exists.”– Eric Hoffer I love this quote as it accurately describes the current investing environment. Index investing is the current rage because it is easy to understand with a one-decision-and-done allure, and it is

November 26, 2021 Caveat Investor: Regulators Slam Automated Advice Firms In a November 10, 2021 article for Financial Advisor magazine, Tracey Longo reported that the Securities Exchange Commission (SEC) slammed almost all “Robo-Advisors” with deficiency letters.    Robo-Advisors are low-cost digital investment advisors offering automated advice with little or no human interaction.    Deficiencies noted in the SEC risk alert include those centering on robo-advisors’ fiduciary

October 28, 2021 The Big Question The most frequent concern that I hear from clients, regardless of what is happening in the economy, politics, or the market, is, “I worry that the bottom is going to drop out of the market, what can we do about it?” In this situation, there are three main strategies available to us: One: sell and just sit in cash. If

September 30, 2021 The Tip of China’s Iceberg Developments surrounding China’s second-largest property developer, Evergrande, are beginning to remind me of the cracks in the US mortgage markets in 2008. Evergrande is on the verge of bankruptcy, and whether the Chinese government will bail the company out is debatable, considering China’s recent business crackdowns in other areas.  With $300 billion in debt, a failure of Evergrande

August 31, 2021 Are We About to See Double-Digit Inflation? We’ve done it before, several times. Inflation, even if it is mild, destroys the purchasing power of your dollars.  So, the bigger question beyond “could we see double-digit inflation?” is “how to protect your family and your savings from its ravages?”  This question is especially important if you invest in bonds, annuities, CDs, or mortgages.  All