Resources

In this section we provide financial tools and investment management research documents for you to use and read, at your convenience.

Under “Financial Evaluation” you will find a Cash Flow and Balance Sheet spreadsheet intended to help you get a better measure of your financial health. Also included is a Financial Planning Questionnaire that we use to assess the totality of your financial needs and objectives, from insurance to taxes, investing and estate planning.

The “Articles of Interest” section offers recent thoughts and ideas on investment management. We deem them particularly interesting.

Financial Evaluation

Financial-Planning-Questionnaire
Balance Sheet and Cash Flow Templates

Articles of Interest

On QLACs - Jeff de Valdivia (May 25, 2016)
On IRAs - Jeff de Valdivia (December 12, 2015)
More on Retirement Issues - Jeff de Valdivia (July 23, 2015)
Will I have enough to retire? - Jeff de Valdivia (April 22, 2015)
JP Morgan on Retirement 2015 Edition - J.P. Morgan Asset Management ( February 2015)
The Skinny On Stock Options - Jeff de Valdivia (March 29, 2015)
How To Go About Investing A Large Amount Of Cash - Jeff de Valdivia (March 12, 2015)
Emotionality and Investing (2) - Jeff de Valdivia (February 22, 2015)
Emotionality and Investing - Jeff de Valdivia (Febrruary 4, 2015)
2015 Outlook: Pain - Eric Parnell, CFA (December 21, 2014)
PERSPECTIVES – The Rise and Fall of Performance Investing - Charles Ellis (August 2014 - Financial Analyst Journal)

Newsletter

Newsletter May 4, 2019

April was another good month for equity investors! It seems as if the end of 2018 just a bad and now distant dream. The S&P’s 500 rose 4.05% in March. The Nasdaq Composite added 4.77% while the Russell 2000 (US Small Caps) ros 3.81%.

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Newsletter April 4, 2019

The back and forth between bulls and bears during the month of March saw the bulls finally overcoming their foes in the last third of the month.
The S&P’s 500 rose 1.94% in March. The Nasdaq Composite added 2.70% while the Russell 2000 (US Small Caps) surprisingly declined -2.09%.

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Newsletter March 4, 2019

February was another “risk-on” month. Investors poured money back into stocks after many had missed, or partially missed, the spectacular market rebound in January. The S&P’s 500 rose 3.21%. The Nasdaq Composite added 3.60% while the Russell 2000 (US Small Caps) rose 5.20%.

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Newsletter February 4, 2019

After four months of violent market movements, any investor could be easily excused for feeling a little lightheaded. Keeping one’s composure has been essential in order to avoid making serious portfolio-damaging mistakes. The unusual and large recent market ups and downs have had the potential to destroy otherwise well-balanced portfolios. Not moving, or not moving much and with clear purpose, was key.

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Newsletter January 4, 2019

The S&Ps’ 500 sunk 9.03% in December. The Nasdaq Composite went along with a 9.40% drop and the Russell 2000 (US Small Caps) was down 9.92%. Internationally, things were a bit less dramatic. The S&P EPAC BMI (developed markets) was down “only” 5.17% while emerging equities were down a comparatively low 2.92% (MSCI EM) and 3.40% (Frontier 100 Index).

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Newsletter December 4, 2018

The S&Ps’ 500 rose 2.04% in November while the Nasdaq Composite added a comparatively meager .49% and the Russell 2000 (US Small Caps) went up 1.59%. Internationally, the S&P EPAC BMI (developed markets) was flat at .01% while emerging equities were up 4.06% (MSCI EM) and 2.09% (Frontier 100 Index).

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Newsletter November 4, 2018

The S&Ps’ 500 sunk 6.84% in October while the Russell 2000 (US Small Caps) went down a whopping 10.84 %. Internationally, the S&P EPAC BMI (international developed markets) dropped 8.72 while emerging equities were down 8.78% (MSCI EM).

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Newsletter October 4, 2018

The S&Ps’ 500 returned .57% in September while the Russell 2000 (small caps) went down a meaningful 2.40%. Internationally, returns ranged from up .44% for the S&P EPAC BMI (international
developed markets) to slightly down for emerging markets. The MSCI EM was down .32% this month.

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Newsletter September 4, 2018

August was another spectacular month for US equities. The S&P’s 500 was up 3.26% while the Russell 2000 (small caps) registered a 4.31% performance. Internationally, the situation was bleak. The EPAC BMI (international developed markets) was down 1.72% while the MSCI EM dropped a more painful 2.90%.

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Newsletter August 4, 2018

US equities rallied broadly in July with the S&P’s 500 up 3.72% and the Russell 2000 (Small caps) up 1.74%, respectively. Internationally and in spite of the on-going trade rhetoric, thepicture improved. The Epac BMI (developed markets) was up 1.86% while emerging market equities jumped from 1.68% to 3.34% (MSCI EM and MSCI Frontier 100 respectively).

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