Commentary

2015 2nd Quarter Commentary – Choosing between Certainty and Uncertainty

Since the financial meltdown in 2008, the Federal Reserve has instituted 2 major policies. The first policy was to lower the Federal Funds interest rate to virtually zero and keep it there. The Fed has kept interest rates between 0% and 0.25% for the last six years. To keep interest rates this low for this long is unprecedented.

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2015 1st Quarter Commentary – The Case for Diversification

The 4th quarter of 2014 and the 1st quarter of 2015, when taken together, show a good example of the value of diversification. During October, November, and the first part of December the price of crude oil dropped precipitously. This unusually large drop in the price of oil effected many parts of the market. However, the three market sectors hit the hardest were:

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2014 2nd Quarter Commentary – A Few Thoughts on the Current Economy

In June, the Dow Jones Industrial Average briefly closed at an all-time high of 17,068. Obviously there is a lot of investment optimism for the U.S. stock market. Most economists agree that there is reason for long term optimism. However it would not be surprising to see a temporary correction before the market goes higher.

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2014 1st Quarter Commentary- Catching Market Highs Cushioning Market Lows

Which is better, to catch the market highs, or to cushion the market lows? In order to answer the question above, it is important to take a historical look at different types of portfolios over volatile periods of time. For most of us, the period from 1999 through 2013 was the most volatile timeframe for financial markets we have seen in our lifetimes.

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The Affordable Care Act

As we move into the final months before its implementation, there is still much uncertainty surrounding the Affordable Care Act, also known as Obamacare. We know this is a politically charged issue. We are sending you this commentary, not to remark on the politics of this situation, but to outline how the law could affect you.

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