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January 2016 Portfolio Update

Since publication of my fourth quarter newsletter, the market experienced the worst 10-day start in history. This gave people considerable cause for concern. As of last week, it appears the market is carving out a bottom. Defensive sectors largely led the rebound. This has some experts suggesting more volatility is yet to come. Typically, small-cap … Read more

Newsletter 4Q 2015

As we begin the first leg of an interest rate hike cycle, I am pleased to report that most portfolios outperformed both the broad market and their peers in 2015, net of fees. I attribute our success to diversification, sector selection and low fees. The High Risk portfolio returned 3.91%; the Mod-to-High Risk portfolio returned … Read more

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

Happy birthday! Will you have the money to retire?

The Bakersfield Californian January 2016 Many of my friends and I are celebrating our 40th birthdays. It’s a landmark birthday that calls for great parties. It is also the perfect time for us to check our retirement plans. When it comes to retirement saving, our 40s is a critical decade. It is when most of … 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

Oh no! Will being laid off scuttle retirement plans?

Kern Business Journal December 2015 It’s a common problem prompting a common question: I have just been laid off. What should I do with my retirement money? During the layoff frenzy of the Great Recession of 2009, I was answering this question nearly every day until economic recovery kicked in and people returned to work. … 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

Investors: Adjust strategy as higher interest rates loom

Kern Business Journal October 2015 It’s not a question of “if.” Rather, it is a question of “when” will interest rates increase? Federal Reserve Board Chairwoman Janet Yellen has held firm to her promise to keep interest rates at an historic low – basically zero since 2008 – until the U.S. economy shows real signs … Read more