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

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 June 4, 2018

The month of May was particularly volatile. US equities ended resolutely up with the S&P’s 500 returning 2.41% and the small cap index (Russell 2000) rising a whopping 6.07%.

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Newsletter May 5, 2018

US equities were marginally higher in April. The S&P’s 500 rose .38% while its small cap counterpart, the Russell 2000 rose a more meaningful .86%.

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Newsletter April 4, 2018

Jawboning on trade issues by the Administration in the early part of March, combined with Tech-related woes in the latter part of the month, shook investors’ confidence and prompted them to close the first quarter of the year on a negative note.

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Newsletter March 4, 2018

In February, the S&P’s 500 dropped 3.69% while the Russell 2000 sunk 3.87%. The damage was a bit more pronounced internationally as a result of the appreciation of the USD against major currencies. The S&P’s EPAC BMI, our reference index for international developed markets, went down 4.59% while the MSCI EM (emerging markets) index dropped 4.61%.

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Newsletter February 4, 2018

In January the S&P’s 500 rose a stunning 5.64% on a total return basis (dividends included) while the Russell 2000 was up 2.68 %. Internationally, the …

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Newsletter January 4, 2018

In December the S&P’s 500 rose 1.11% on a total return basis (dividends included) and the Russell 2000 dropped -.40%. Internationally, the S&P Epac BMI of developed economies rose 1.66% in spite of a lackluster performance from Eurozone equities that struggled under a rising Euro.

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Newsletter December 4, 2017

In November the S&P’s 500 rose another 3.07% on a total return basis (dividends included) and the Russell 2000 added 2.90%. The progression was not even, as shown in the chart below.

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Newsletter November 4, 2017

October was another good month for equities worldwide. The S&P’s 500 rose a solid 2.33% on a total return basis (dividends included) and the Russell 2000 a more modest .84%.

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Newsletter October 3, 2017

September was a good month for equities worldwide, with the exception of emerging equities that struggled with the rise of the USD during that period.

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