“Almost every financial blow-up is because of leverage.” ~ Seth Klarman Nobody wants a margin call! Though investors invariably increase margin debt during times of expansion, they also inevitably encounter liquidation events. This chart shows the amplification of leverage on stock markets:   Those gray shaded areas above indicate years of recessions, during which investors...Read More

“Bad news sells because the amygdala is always looking for something to fear.” ~ Peter H. Diamandis A little context can provide some good perspective. While headlines are designed to trigger an emotional response in us, creating questions, shocking with language, and featuring unsettling stories, the full picture is often considerably different.  You may even...Read More

“An investment in knowledge always pays the best interest.” ~Benjamin Franklin How can you improve your investing experience? By avoiding typical investment mistakes. Our professional financial service will help you to avoid the following costly pitfalls, outlined in these excellent articles: Chasing Performance:How Investors Are Costing Themselves Money, Forbes Magazine Focusing Only On Fees:You Don’t...Read More

AI is making human connection MORE important, not less. ~ Ninna Lauridsen This short article, The Human Edge, from Advisor Analyst explores how AI can’t replace personal investment advice because it doesn’t understand you!  Here are some key takeaways from the article: AI amplifies bias rather than correcting it 93% of client communication is nonverbal  Technical expertise alone...Read More

“Diversification is the only free lunch.” ~ Harry Markowitz Retirement is a long-term time horizon, hopefully decades. Those preparing for retirement relatively soon, and retirees face a practical consideration: even the two main investment assets, stocks and bonds, can work against investors for years.  So, what is the risk of being in the wrong market...Read More

“I wrote this book to remind you that the long-term rewards make the uncomfortable short-term risks worth it in the end.” ~ Ben Carlson Perspective, perspective, perspective! Better understanding the risks of investing supports our belief that defensive investment strategies will benefit you! Here, Ben Carlson explains why he wrote his new book, Risk & Reward.   Ben...Read More

“The best investors do not target return; they focus first on risk…” ~Seth Klarman How do the best investors decide when and where to invest today based upon headlines that swing so quickly between despair and euphoria?  Well, they actually don’t decide. The best investors hire fund managers so they can enjoy their lives! They have learned...Read More

“For the times, they are a-changin'” ~ Bob Dylan Do you ever wonder what are my money managers doing for me? Revisiting the New Playbook, by Robert Taylor at Canoe Financial, provides insight into how a fund manager thinks and acts in financial markets. This great article illustrates the benefits of active management while addressing the...Read More

A recent study found that financial literacy has a “transformative impact” on a person’s well-being.  Positive outcomes included making better financial decisions, more confidence and less stress, and many other significant lifetime benefits such as increased retirement wealth. This study by Tryton Partners actually indicated a potential $100,000 lifetime benefit for high school students who merely took...Read More

“Most of the time the world doesn’t come to an end.”  ~ Ben Carlson In 2025, we helped clients to endure another scary stock market correction and to benefit from its subsequent strong recovery.  We are delighted to share with you this brief article which wisely summarizes this current year in financial markets:   Staying the...Read More