Every so often, the U.S. Treasury bond yield curve “inverts,” as it has recently, with short-term Treasury bills yielding less than their long-term counterparts. Since past inverted U.S. yield curves have usually been followed by U.S. recessions, we tend to hear about them. In an April 30th GRBJ piece, Anastasia Wiese, JD, CFP® discussed being cautious about lending any one economic indicator excessive predictive powers, especially with respect to your disciplined investment strategy.[read more]
Grand Rapids Business Journal: Anastasia Wiese Discusses What to Make of an Inverted Yield Curve
Grand Rapids Business Journal: Steve Starnes Covers a Common Concern: How Much Should You Spend in Retirement?
Whether you’re already retired or still planning for it, here’s a question on almost everyone’s mind: “How much can I spend in retirement?” In a March 31st GRBJ article, Steve Starnes, CFP® covers how to spend comfortably, but not excessively in retirement. While there are handy rules of thumb like “the 4% rule,” it’s also good to know when individual adjustments may be warranted along the way.[read more]
Grand Rapids Business Journal: Ellie Winter Offers Tax-Efficient Charitable Giving Advice
The GRBJ reached out to Ellie Winter, CFP® in October to discuss how the new 2017 tax law impacts taxpayers’ charitable giving strategies. Ellie, along with Shaun Shira of the Grand Rapids Community Foundation, offers ideas on how to continue giving tax-efficiently to your charities of choice.[read more]
A Focus on Fixed Income
It’s been approximately a decade since the Great Recession began. By year-end 2008, the U.S. Federal Reserve (the Fed) had lowered the target federal funds rate to near-zero and embarked on an aggressive quantitative easing campaign, hoping to resuscitate the economy with a big booster shot of lending, borrowing and spending dollars.[read more]
The Vital Role of Rebalancing
Properly implemented, rebalancing offers a disciplined, cost-effective approach to buying low and selling high and staying on track toward one’s personal financial goals. Learn how we add value by employing rebalancing as part of an evidence-based strategy.[read more]
Misperceptions About Market Corrections: Are You Prepared?
After an extended period of relative calm in the stock market, investors may wonder if we’re due for a correction. Instead of worrying when the next market downturn may or may not occur, we recommend having a portfolio in place today that you can stick with through thick and thin.[read more]
GRBJ Podcast: Steve Talks Money
In the GRBJ Podcast: Steve Talks Money, senior advisor Steve Starnes discusses traits of financially successful people, how to achieve financial goals in 2017, and recommendations for end of life planning.[read more]
What If Everyone Were a Passive Investor?
For as long as we’ve been in business, we have encouraged investors to adopt a patient, long-term approach to capturing the market’s expected returns. In industry parlance, some have categorized our approach as “passive,” versus active attempts to beat the[read more]
Timeless Tips on Tax-Wise Investing: Part II
In our last installment of Financial Insights, we explored how to engage in year-round tax-wise investing by adopting your own best practices as well as by favoring fund managers who are likewise keeping a tax-efficient eye on their offerings.[read more]
Timeless Tips on Tax-Wise Investing: Part I
While “tax season” may imply that there is an optimal time to think about your income taxes, the best way to minimize your annual “pay-triotic duty” is to engage in year-round tax-wise investing, with ongoing best practices in: Your personal[read more]