Written by Matt Boelter, Financial Advisor I started volunteering at assisted living and memory care retirement homes when I was about ten years old. I got involved because I lived in a small town and my mother was part of the care staff, but I always...
Written by Marcus Dusenbury, Financial Advisor So, your employer offers an Employee Stock Purchase Plan . . . now what? Employee Stock Purchase Plans (ESPPs) have continued to gain prominence over the past 20 years. As with many stock incentive programs, they first gained popularity in the...
Written by Brian Johnson, Chief Investment Officer Summary: The fourth quarter of 2018 was a nasty one for stocks. Through it, we have maintained our defensive positioning. We expect U.S. stock returns over the next 10-15 years to be substantially worse than the last 10 years....
Written by Brian Johnson, Chief Investment Officer Summary: The current market decline has yet to show signs that it is bottoming out. It is likely, therefore, that we’ve further to go on the downside before stocks begin moving meaningfully higher again. We’re glad that we...
Written by Adriel Tam, CEO, and Bruce Yates, Financial Advisor. Original article posted on Market Watch here. ...
Written by Marcus Dusenbury, Financial Advisor So you just got restricted stock from your employer . . . now what? Restricted Stock Units (RSUs) have become an increasingly popular corporate benefit over the past decade. Companies recognize that their stock can effectively attract and retain talented employees....
Written by Brian Johnson, Chief Investment Officer Summary: It’s been hard to find positive returns in 2018. We’ve made a number of allocation updates within our models to respond to the evolving landscape. If market and economic indicators continue deteriorating in the weeks and months ahead,...
Written by Marcus Dusenbury, Financial Advisor So you just got stock options from your employer . . . now what? Employee stock option plans (ESO plans) have been around for a few decades now. They are an employee benefit plan through which companies offer employees “options” to...
Written by Brian Johnson, Chief Investment Officer Summary: Equity markets had a solid 3rd quarter, but they have become much more volatile recently. The bond market looks to have ended its 35+ year bull run (interest rates falling, bond prices rising). The recent volatility is a...
Written by Mark Jaeger, CFP® For most of the last century, people either worked their entire lives (as long as they were physically able) or else they “retired” at around age 65 and lived out their few remaining years at home in rest and relaxation. Today,...