Category Archives: Uncategorized

Q3 2022: Perspective on the Bear

Last quarter saw the bear market continue. Global stocks went down almost 7%¹ and US bonds lost almost 5%.² We’ve seen several positive indicators, but war, inflation and a potential recession have battered the markets. Recently a client asked me, given the bear market and bad news, “How can you be so calm?” In the moment, I said something to the effect of, “It’s a combination of belief and experience.” Since that conversation, however, I’ve been thinking more about the question, particularly in light of the “Bear Market Toolkit” we released last quarter.

3 Ways to Finance a Continuing Care Retirement Community

In the Bay Area, a continuing care retirement community (CCRC) can easily charge an entry fee of $1 million dollars or more.¹ That’s in addition to monthly costs that can reach $5,000 and beyond. For those who can’t finance that all in cash, it is advisable to put a financial plan in place well before you anticipate making the move. Adult children might consider getting involved in creating this financial plan to help their parents pick a good option.

Q2 2022: A Bear Market Toolkit

Last quarter was undoubtedly difficult for investors. Stocks went down across the globe. The US stock market dropped about 16%. In a pattern reversal, international stocks fared modestly better. Developed-foreign markets slipped 13% and emerging markets went down about 10%. Bond holders also experienced losses: the US bond market dipped almost 5%.

A Practical Guide to Creating Healthy Money Mindsets In Your Family

There’s not one “right” way to talk to your child about finances; the only mistake is avoiding the topic altogether. Many of us were taught that discussing money is taboo, even within families. While complete financial transparency is not always necessary, open dialogue is. Money conversations are different in every household because of unique family dynamics, history and financial makeup. It’s worth taking the time to figure out which approach makes sense for you and your family. 

College Admissions: 6 Strategies for Success

Navigating the complex college admissions process can feel overwhelming and stressful for students and parents. The effort that goes into academic planning, financing and applying to schools is often accompanied by feelings of pressure and anxiety. These feelings may be further intensified for students who have their sights set on attending an ultra competitive institution, such as an Ivy League, with acceptance rates as low as 3.9 percent.¹ The reassuring news is that the majority of US colleges admit most applicants,² with the national acceptance rate for the 2021-2022 school year averaging just over 57 percent.

A Financial Planning Checklist for Couples in 5 Steps

For many couples planning to get married, it’s tempting to avoid discussion of prenups, debt, titling assets and other delicate topics. It can feel unromantic, uncomfortable and daunting – but it really doesn’t have to. With the right approach, a discussion on these topics can protect and bring peace of mind to both parties. An experienced financial advisor can facilitate positive, constructive financial planning conversations, put your plan into action, and safeguard your plan amid changing property, estate and marital laws.

Diversification in Difficult Times

Markets were not kind to investors during the first quarter. Global stocks dipped almost 5.5%.1 Most all equity asset classes were down: US stocks dropped just over 4.5%, developed-foreign markets lost almost 6% and emerging markets went down almost 7%.2 In fact, across the major equity classes, we saw only two positive results.

Thinking of a Second Home? Here Are Some Key Considerations

Click here to read the first post in this series. For many individuals and families, owning a second home is a common goal. Some are enticed by the idea of another “home base” where they can escape to and enjoy a different lifestyle. Some view it as their future primary residence before and after retirement.

Should I Upgrade My Existing Home or Buy A New One? Here Are Some Key Considerations.

In this blog, the first of a two-part series on real estate, I will highlight common concerns and considerations when deciding to either remodel/rebuild a home or trade up to a home that better fits your needs.

2021: Year in Review

Reviewing “Year 2021” feels very much like reviewing Year 2020: We’ve faced a major market-disrupting event, we are individually and collectively battling COVID, many of us are struggling to adapt, and our future feels quite uncertain. Also like 2020, despite mass disruption and uncertainly, global equity markets rose substantially.