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 ›

S&P 500 Index vs. A Diversified Portfolio

Friday, July 12th, 2019 By: Peter Vander Ploeg, CFP®

The S&P 500 Index Undoubtedly one of the most popular ways to invest is an S&P 500 index fund or ETF.  It’s cheap, easy, and every year in recent memory, the S&P 500 has been one of the best places to invest.  2019 is no exception, up almost 20% through the second quarter the S&P […] More ›

Navigating A Financial Path

Friday, June 21st, 2019 By: Peter Vander Ploeg, CFP®

Have you ever tried to drive somewhere without knowing exactly where you needed to go?  You start driving in vaguely the right direction, only to look up the specific directions as you get closer.  What if there was a better way?  What if you could know the exact route from the onset?  What if that […] More ›

There is No Such Thing as Average

Monday, June 10th, 2019 By: By: Kevin Shuller, CFA®

What type of returns do you expect from stocks in 2019? Most investors will say something between 5-10%. The most bullish will say 15%. Why shouldn’t they? S&P 500 returns about 9% a year. If we give ourselves 50% wiggle room, that gets us to 5-15%. Why not play it safe and expect the average? […] More ›