by Todd Moerman | Feb 17, 2016 | Doctor/ Dentist, Retired, Working
2/17/2016 – This was our first 3 day rally of 2016! Will it continue or are we stuck in a negative cycle? Time will tell but there is never a good time to have a less than optimal portfolio. Do you have too much risk in your portfolio? If you have over $500k... 
by Todd Moerman | Feb 2, 2016 | Doctor/ Dentist, Retired, Wiser
I am sure most investors are glad to say goodbye to January 2016. The markets were volatile but if you had a diversified portfolio, things turned out OK. It is important to have a rock solid philosophy, strategy and discipline during market volatility. High quality... by Todd Moerman | Jan 12, 2016 | Doctor/ Dentist, Retired, Working
As of last Monday (1/11/16), the average stock is already in a bear market. (photo credit Kevin Dietrich) Here is some data as of 1/11: The S&P 500 is only down -10% from the May 20, 2015 highs of 2,135. 10% corrections are fairly normal. The average S&P 500... by Todd Moerman | Jan 7, 2016 | Doctor/ Dentist, Retired, Working
Just because you need high returns, it doesn’t mean the market will provide them for you. Peter Bernstein quote: “The market’s not a very accommodating machine; it won’t provide high returns just because you need them.” Flat = S&P 500 was slightly down for... 
by Todd Moerman | Dec 10, 2015 | Doctor/ Dentist, Retired, Working
Are You Ready for Fed Liftoff? I don’t know if the Fed will actually raise interest rates next week or not. I hope they do but you never can tell. Advice to current clients, move forward but with caution. We anticipate that future expected... by Todd Moerman | Nov 10, 2015 | Doctor/ Dentist, Retired, Working
For most investors, this is the key question: Will I have enough to maintain my lifestyle for the rest of my lifetime or will I run out of money and need to be dependent on others? Are you saving enough? We suggest 20% of gross household income (this is before...
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