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Reality Check: Real Risk in Retirement

5/3/2021

 
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For this month’s Reality Check, we wanted to discuss the topic which has recently highlighted in the financial media – inflation.
 
Here is what we don’t and can’t know:
  1. An acceleration in inflation is a distinct possibility as the economy continues roars back – particularly given another jolt of stimulus.
  2. We don’t know for sure that it will happen, when it may happen, nor the extent to which it may go on before the Fed steps in and acts to stabilize it.
  3. Nor can we be sure how (or even if) the equity market will react.  
 
Here is what we do know:
  1. We know your goals and the plan designed to achieve your goals.
  2. We know that the true risk in investing is not loss of principle, rather it is the loss of purchasing power due to inflation.
  3. We know that the only way to eliminate this risk is through the utilization of equities.
 
Our approach has always been: first set goals, then make a plan, then fund an appropriate portfolio. If your long-term goals have not changed, then we always strongly recommend not changing your plan, which in turn leads us to recommend not tinkering with your long-term portfolio. 

​If you any questions about this topic or wish to receive our Reality Check emails, please don't hesitate to  contact us.

Quarterly Newsletter - First Quarter 2021

4/15/2021

 
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Each quarter, we put together a newsletter that provides updates on the firm, insights to investing and a market review of the previous quarter. The Image preview above is the cover of the document.

If you would like to receive a full digital copy please 
contact us.

Quarterly Newsletter - Fourth Quarter 2020

1/15/2021

 
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Each quarter, we put together a newsletter that provides updates on the firm, insights to investing and a market review of the previous quarter. The Image preview above is the cover of the document.

If you would like to receive a full digital copy please 
contact us.

Reality Check: Elections & Investing

11/2/2020

 
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​For this month’s Reality Check, we are revisiting a chart that we recently shared in our Quarterly Newsletter. We felt that it was worth another view to keep you disciplined and focused on the long-term regardless of the outcome of the election. 

​If you any questions about this topic or wish to receive our Reality Check emails, please don't hesitate to  contact us.

Quarterly Newsletter - Third Quarter 2020

10/15/2020

 
Picture
​Each quarter, we put together a newsletter that provides updates on the firm, insights to investing and a market review of the previous quarter. The Image preview above is the cover of the document.

If you would like to receive a full digital copy please 
contact us.

Reality Check: Volatility

8/31/2020

 
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For this month’s Reality Check, we are revisiting a familiar topic: Volatility. We have become all too familiar with it as the world continues to deal with COVID-19. The way we perceive volatility is clouded by what we perceive as normal. Recency bias, the financial media and our own personal experiences with investing all tie into that perception of normal.

To better explain the normalcy of Volatility, we have decided to share a recent post from Carl Richards of the Behavior Gap. Carl has an ability to illustrate complex behavioral financial terms into very simple sketches and analogies. To read the full text from Carl, please visit his website. 

If you any questions about this topic or wish to receive our Reality Check emails, please don't hesitate to  contact us.
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    Author:
    Christopher J. Blair, CFP®, CPWA®,

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