Investors sometimes ask, “Should we wait until stock markets have bottomed before we invest?”  We would like to share two reasons why our answer is “no.” Stock markets bottom well before economic downturns are at their worst.    Life is more important than worrying about negative headlines.    Stock markets look forward. Prices bottom long before corporate...Read More

“The real key to making money in stocks is to not get scared out of them.” ~ Peter Lynch, Fidelity The most successful investors often surprise us with advice that seems counterintuitive: Do not attempt to forecast financial markets. Maintain your investment discipline during periods of market turmoil.  The average investor may find it difficult to follow these...Read More

Ethics are of vital importance, especially in the investment industry.  Our CommonWealth team of professionals uphold the highest ethical standards as we manage your money. We maintain our independence so we can provide you with objective investment recommendations. In fact, we personally invest our money alongside yours in the same funds we recommend to our clients, showing...Read More

We would like to provide you with some relevant perspective on the current market volatility.  Corrections are a process and they are eventually met with an effective policy response. This encouraging chart shows how the S&P500 historically performed during the year following a sucessful resolution:   Source: Alpine Macro The point of maximum financial opportunity occurs during...Read More

Do you want to know how to build meaningful wealth during a lifetime? The most proven way is achieved through business ownership. By investing wisely in the shares of companies trading on public stock exchanges, we become owners of companies which allows us to “share” in their growing corporate profits.  Evidence for the ability of business...Read More

In the classic movie, “It’s a Wonderful Life” there is a very important conversation about money.  A despairing George Bailey, asks his guardian angel, Clarence, “You don’t happen to have $8,000 bucks on on you, do ya?” Clarence responds, “Oh no, we don’t use money in heaven.” George replies, “Comes in pretty handy down here, bub!” ...Read More

On March 11, the S&P500 traded approximately 10% down from its peak – the definition of a market correction –  which may lead investors to ask what they should do.  Here are three important services we provide:  We check up on your personal financial goals: We can consult with you and put your financial “big picture”...Read More

Our team helps investors set realistic expectations. While markets were up approximately 75% of the time over the last 50 years, it is good to remember downturns can be significant – four periods saw the markets losing approximately 20% and much more in 2008/9. The cumulative losses from 2000-2002 are especially noteworthy. Our portfolios participate...Read More

Our CommonWealth “pension-style” portfolios participate strongly in market upside while incorporating a diverse set of effective strategies to adjust risk on your behalf. This multi-strategy approach is specifically designed to protect your funds against market downside. Each fund employs a unique risk management tool and in combination they provide you with a complementary suite of...Read More

Your investment portfolio must be properly suited to the financial goals you wish to pursue.   What matters to people is their particular market experience during their personal investment time frame.  This article by Ben Carlson explores how different time periods can produce highly variable market returns: https://www.virtus.com/assets/files/8wn/the-long-term-depends-on-your-time-horizon_5004.pdf Keep in mind that long-term stock market numbers...Read More