Wealth Preservation

If you’re a client of ours or have spoken with us about investments in the last several years, you’ve likely heard us say we do not love target date funds, because they have never done what people think they’re intended to do, and because they’re costly. The primary selling point for target date funds is

We are continually reminded by conversations we have with others just how vulnerable we all are to the lure of advances in broad stock market indexes. In a common exchange, we’ll remind people of the pain they experienced in 2008 and suggest reducing risk by paring down stock and bond holdings and keeping more cash

We all struggle for balance in almost all areas of our lives: balance in our diets, our work, and personal interests: our spending and saving: and of course, our investment allocations. We instinctively understand the conceptual value of balance in our investments, but finding and maintaining it is elusive. Our struggle for balance develops because

Renowned Canadian Psychologist Paul TP Wong said “A person’s true character is often revealed in times of crisis or temptation. Make sure you have what it takes to be your best in such times.” We all know our true selves show in times of crisis. It’s the second part of Wong’s statement that really grabbed

Yes, I know. It’s been a while. We’ve been busy hedging. Are you hedged? In recent months, bond market participants have been singing a very different song than stock market participants. Treasury yields have dropped significantly, nearing all-time lows (set in mid-2016), as institutional investors seeking safety have increased buying. Remember, when buying action in

Summers here in Vermont are about as good as it gets. After a particularly long and snowy winter, we bask in the glow of glorious sunsets, warm but not (usually) boiling temperatures, and creamees. (That’s a term I associated with a particularly gross high school hazing activity when I first heard it after moving here

When I tell clients they need to increase their reserves, I often hear things like “Well, how much do I need to keep there doing nothing?” or “I’d rather pay off my mortgage/student loan/car loan than leave all that money there doing nothing.” Here are three reasons you should not only leave that money there,