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Q4 2020 Investment Letter

INTRODUCTION

“It was the best of times, it was the worst of times, it was the age of wisdom, it was the age of foolishness, it was the epoch of belief, it was the epoch of incredulity, it was the season of light, it was the season of darkness, it was the spring of hope, it was the winter of despair.”
– Charles Dickens, A Tale of Two Cities

As the sun sets on 2020 and I reflect on the last twelve months, I am struck by the many contradictions in our financial, political and personal lives.  Each individual’s views and experiences have been forced even wider apart over the last twelve months.  Charles Dickens could have been writing about our world in the passage above, taken from his famous book. [Read more…] about Q4 2020 Investment Letter

3 Portfolio Tips For Year End

Ideally, your investment portfolio would be managed by a professional who is continuously optimizing your holdings over the course of the year, but for the “do-it-yourselfer”, here are 3 tips for your portfolio heading into the end of 2020. [Read more…] about 3 Portfolio Tips For Year End

Q3 2020 Investment Letter


INTRODUCTION

“It makes no sense for individual investors to jump in and out of the market. People who trade in that way rarely die rich, whereas the patient investor often does.” – Philip Carret

Human beings’ “fight-or-flight” response was the result of an evolutionary process taking place during a very different time.  It was effective at keeping primitive man or woman safe in the face of a predator, but it makes the average person a bad investor.  While everyone understands that buying low and selling high is important to achieving investment success, too many do just the opposite in practice.  Fear causes us to sell when prices are depressed and greed encourages us to chase securities that have recently performed very well. [Read more…] about Q3 2020 Investment Letter

Who We Serve And What We Do Best

By Jonathan Heagle, CFA® 

People often assume that financial planning is all saving and sacrifice, but it’s not just about the numbers—it’s about your life. It can be difficult to know where to start and how to create a plan that reflects your values, personality, goals, and circumstances. 

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Why I Became A Financial Advisor:
Michael Riolo

By Michael Riolo

When a client thanks me for my guidance, expresses confidence in the plan we develop, or feels a renewed optimism about their financial future, I am reminded of why I became a financial advisor. Helping people is important to me and it’s gratifying to know my advice makes a positive difference in my clients’ lives. While financial advising was not my first career, my way into the industry was a natural progression from the work I was already doing as an attorney.

[Read more…] about Why I Became A Financial Advisor:
Michael Riolo