529 College Savings Plans Update

Thursday, January 23rd, 2020 By: Peter Vander Ploeg, CFP®

It has been a couple of years since the signing of the Tax Cuts and Jobs Act of 2017, but there continues to be an ongoing debate in Colorado regarding the implementation of one of the TCJA’s provisions. The TCJA allows for a limited amount of 529 plan distributions for elementary and secondary school (K-12) expenses […] More ›

January 2020 Newsletter Now Available

Monday, January 13th, 2020

We have just completed the final quarter, not only of the year, but also the decade, so it’s a good time to reflect on the market behavior for the past year, and also for the past 10 years.  The short version is that we have experienced a bull market for the entire ten-year period, although […] More ›

The Many Market Narratives

Monday, November 25th, 2019 By: Jim Callahan, CFA

Nobel laureate Robert Shiller recently stated, “No one can speak authoritatively about the future.  That’s where narratives come into play.” As we enter the final month of the decade (!), we find the stock market bumping up against all-time highs despite the trade war, violence in Hong Kong, and a presidential impeachment trial.  It seems […] More ›

October 2019 Newsletter Now Available

Monday, October 21st, 2019

Download our October 2019 newsletter by clicking – 2019 Q4 Newsletter. The latest three-month returns in the U.S. and international stock markets can be viewed with two very different attitudes. The first is that many indices produced a loss for the quarter, and where there were gains, they tended to be very small. On the […] More ›

Don’t Get Spooked

Monday, October 7th, 2019 By: Jim Callahan, CFA

October contains some of the worst daily declines in stock market history. But a broader perspective shows that October generates some of the better returns on average. Be informed, stay invested, and don’t get spooked! More ›

Clients Want to Work with Female Advisers

Tuesday, September 17th, 2019 By: Peter Vander Ploeg, CFP®

14.3% is not a big number.  Yet only 14.3% of all advisors today are women as highlighted by this Wall Street Journal article, “Clients Want to Work with Female Advisers, and Firms Are Taking Notice.” 24 years.  That’s how long-ago Judy Shine started Shine Investment Advisory Services, pioneering as a first fee-only advisor in a […] More ›

3 Ways to Reduce the Cost of College

Friday, August 30th, 2019 By: Peter Vander Ploeg, CFP®

As I mentioned in the previous blog, “The Danger of Delaying College Savings,” tuition rates are becoming more and more expensive.  When it comes to paying for college, many parents shudder at the cost.  But lesser-known ways to reduce the cost of college exist.  Check out these exciting options for families in Colorado. The Colorado […] More ›

The Danger of Delaying College Savings

Friday, August 16th, 2019 By: Peter Vander Ploeg, CFP®

College has become expensive.  The data tells us why.  The costs of college have risen 3x the rate of inflation this century1, as shown in the table below.  Unfortunately, it looks like the costs are expected to continue to rise at a rapid rate.  With students graduating with more debt than ever before2.  It seems […] More ›

5 Steps To Protect Your Credit

Tuesday, July 30th, 2019 By: Peter Vander Ploeg, CFP®

Only three months ago, we sent out an email with information about Social Security and Tax-Related scams prevalent at the end of tax season.  Unfortunately, the front page of today’s Wall Street Journal reminds us that hackers can steal our personal information in an instant.  Capital One admitted Monday that approximately 106 million credit card […] More ›