The term “asset protection” has many connotations. For most people it means shielding assets from claims of creditors. Because we live in a very litigious society, it’s probably wise to consider creating a minimum level of wealth that no one can take away from you.   There are essentially three different ways to protect assets:…

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Ever since the start of the huge bull market in the 1980s and 1990s, the 60/40 portfolio was a great way to reduce the volatility in one’s portfolio. The bond portion of the portfolio would spit out 6 to 8 percent yields and, just as importantly, the bonds would tend to rally and yields would…

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It’s not uncommon for new clients to ask me how I think the market will perform. I guess some people expect their financial advisers to have a unique ability to predict the future. Many advisers will actually offer their opinion about how they believe the stock market will perform in the near future, either because…

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Benjamin Graham, who is generally viewed as Warren Buffet’s mentor, has several rules about investing. One of his main rules is to always invest with a margin of safety. In other words, invest in stocks at a price that is low relative to a stock’s earnings and at a price that is less than the…

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