December 2015 Portfolio Update

Performance update When benchmarked to the Vanguard Institutional Index S&P 500, symbol VIIIX: High and, Mod-to-High, Moderate and Mod-to-Low portfolios have outperformed net of fees Low risk portfolio did generate a positive return net of fees, but faced challenges due to rising interest rates All of the are performing within their expected ranges relative to … Read more…

Federal Reserve Raises Rates

After 7 years of holding interest rates at zero, the Federal Reserve Board announced they will begin raising short-term interest rates. This signifies the beginning of the early rate hike phase, along with potential changes to the current allocation of the portfolios. Expanded content is in the video link below. Since 1994, the Federal Reserve … Read more…

November 2015 Portfolio Update

Performance update When benchmarked to the Vanguard Institutional Index S&P 500, symbol VIIIX: High and, Mod-to-High portfolios have outperformed net of fees Moderate portfolio is slightly trailing net of fees, with less risk than VIIIX Mod-to-Low is just trailing behind the Moderate Low risk portfolio is trailing net of fees All of the are performing … Read more…

October 2015 Portfolio Update

Performance update When benchmarked to the Vanguard Institutional Index S&P 500, symbol VIIIX: High, Mod-to-High and Moderate portfolios have outperformed net of fees Mod-to-Low portfolio is slightly trailing net of fees Low risk portfolio is trailing net of fees All of the are performing within their expected ranges relative to the S&P 500 Portfolios are … Read more…

Portfolio Newsletter 3Q 2015

As we reach the end of the second phase of the current market correction, I am pleased to report that all portfolios have outperformed the market (net of fees) as of September 30. This continued success is a result of diversification, sector selection and low fees. The mid-year rebalance went smoothly and produced a successful … Read more…

Financial Wellness – More states are entering retirement savings business

Kern Business Journal August 2015 Illinois and Washington already have approved state-run retirement plans for employees of private companies. Oregon is following the trend. And at least 25 other states, including California, are studying the feasibility of starting programs. Small business owners must brace for the likelihood that state governments soon will be operating payroll-deducted retirement savings programs for … Read more…