The Recession That Wasn’t…And What It Means For The Recession That May Be

July 26, 2012  |  

The Value of Independence

Independence can mean different things to different people but when it comes to trust services, the definition becomes even more unclear.  Most people depend upon their centers of influence when it comes to managing a trust.  Estate planners, attorneys, and accountants help identify the right trust company for their clients.  Many times these professionals do […]

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July 13, 2012  |  

The New 3.8% Investment Tax

On June 28, 2012, the US Supreme Court ruled, in a landmark decision, that the Patient Protection and Affordable Care Act (ACA) is constitutional. The ACA was signed into law in 2010 and among its many provisions is a 3.8% tax on some or all of the net income of higher income individuals. The tax […]

July 6, 2012  |  

Medicare Basics: It’s Easier Than It Appears

When first going onto Medicare, all the plans and options can be overwhelming. However with the right introduction and guidance, it’s actually much easier than it appears! Medicare, along with a Medicare Supplement Plan, provides the best dollar for dollar health insurance for the best healthcare in the world. Here are the basics: “Original Medicare” […]

June 29, 2012  |  

Critical Estate Planning Documents

According to The Council for Disability Awareness, over 36 million Americans are classified as disabled (12% of the population). How do you protect yourself and your heirs in the event of disability? I recently wrote about the importance of having a will in place. But a will does not protect you if you become disabled […]

June 18, 2012  |  

The 20th Anniversary of a Breakthrough in Investment Theory

In 1992, two finance professors, Eugene Fama of the University of Chicago and Kenneth French of Dartmouth College, turned the world of finance on its head by demonstrating that the prevailing theory of portfolio returns did not work well. They reported that the old method (the Capital Asset Pricing Model), which attributed portfolio returns to […]

June 11, 2012  |  

The Return of Volatility: Part 2

As a follow up to our recent blog post, The Return of Volatility, I would like to present evidence that historically it is not unusual to experience negative returns in multiple asset classes simultaneously on the path to long term investment success. The table below offers a perspective on the frequency of severe negative volatility experienced […]

June 4, 2012  |  

The Return of Volatility

During May, the worlds capital markets saw a sharp increase in volatility that was accompanied by falling prices. Importantly, successful long-term investors are able to put short-term negative events into perspective and that allows them to capitalize on the long-term returns offered by stocks. This blog post offers evidence that short-term negative results are not […]

May 31, 2012  |  

Changes at The Social Security Administration

Last year the Social Security Administration suspended the mailing of the Annual Benefit Estimate Statements due to federal budget considerations. Recently they resumed sending the Statement, but only to people who are age 60 and older and who are not yet on benefits.  People younger than age 60 will not have a Statement mailed to […]

May 29, 2012  |  

Why You Need a Will

Do you have a will? If not, you have plenty of company.  Recent studies show that 55% of adult Americans lack a will. However, there are compelling reasons to create a will soon. For starters, even though we are living longer, we cannot predict when we will move along. Also, without a will, some of […]