Managing a Household Allocation

Cameron Hamilton

Atheneum

One of our mantras in planning is to “Know What You Own.”  Peter Lynch popularized this term during his management of a Fidelity mutual fund in the 1980’s, and we think it applies to more than just investments.  Your home, your health insurance, your business, and yes, your investments each have features, risks, and opportunities … Continued

How to Teach Your Children About Money

Cameron Hamilton

Weekly Update

Simone Biles is an American gymnast famous for leading the “Final Five” to gold in the 2016 Olympics.  She owns four Olympic gold medals and was All-Around World Champion four years straight from age 16-19.  Her early success is even more impressive given her training began at age six, late for an Olympic gymnast.  Most … Continued

The Importance of Asset Allocation and Diversification

Brian Burton

Atheneum

Not only has recent market volatility resulted in renewed anxiety for many investors, it has also been a stern reminder of the value of having a proper mix of assets in your portfolio.  The concepts of asset allocation and diversification can be traced all the way back to a 4th century text, the Babylonian Talmud, … Continued

Guidance (not so much Earnings) in Focus

John Boardman

Weekly Update

At the beginning of each calendar quarter, the market conversation uniformly switches to earnings.  Each trading day, for a several-week period, publicly traded companies report their earnings for the previous quarter.  The two main “headline numbers” are revenue and earnings per share.  For a multitude of reasons, this quarter feels a bit different; the markets … Continued

Getting Creative with College Funding

Cameron Hamilton

Atheneum

In our previous discussions about college planning, we’ve discussed where and how much to save while acknowledging that these questions require several assumptions.  Is it sensible to make saving for college a major financial goal when there’s no guarantee the child will attend?  That’s a tough question for families and for this reason, we favor … Continued

Year-End Planning Ideas and Changes for 2019

Frank Yozwiak

Weekly Update

It’s the most wonderful time of the year! Sure, we have the holidays all around us, the smell of pine trees and nutmeg fills the air, the glow of the fireplace keeps our loved ones warm, and sparkling lights decorate our neighborhood streets.  But let’s be honest, we all know everyone truly loves the end … Continued

Educating Heirs on Student Debt

Cameron Hamilton

Atheneum

One of my favorite television shows is Shark Tank, which shows aspiring entrepreneurs pitching their business plans to seasoned investors, the “sharks,” in hopes of an investment.  The sharks use their own money to invest, so they ask tough questions to help evaluate the business’s potential.  Have they demonstrated sales?  How much does it cost … Continued

The Market is Down Again???

Andy Reynolds

Weekly Update

In general, most people understand that the economy tends to be cyclical with times of growth, followed by times of contraction.  Economists describe this rise and fall as the “business cycle”.  A typical business cycle will include an expansionary time (things are starting to get better), followed by a peak (things are as good as … Continued

Unwinding QE – The New Grand Experiment

Brian Burton

Weekly Update

Ten years ago, the Fed launched what many refer to as the world’s biggest economic experiment in the history of central banking with its quantitative easing program.  With the U.S. financial system in extreme turmoil and the Fed funds target rate already near zero, the U.S. Federal Reserve was forced to take unprecedented measures in … Continued

How Much to Save for College

Cameron Hamilton

Atheneum

Will your child wow you with a 4.0 GPA in high school or do they believe C’s get degrees?   Are their sights set on private colleges in expensive cities or the public university up the road?  Do they know their path, or will they meander through three majors over six years?  If you know the … Continued