Insights

Our insights into Divestment, Markets, Investing, and much more. 

Five Investment Strategies If You Plan to Retire Soon


Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments.

5 Things Medical Plan Sponsors Should Consider Doing with Your 401(k) Right Now


The current market climate presents a unique opportunity for medical plan sponsors, specifically those where the owners of the practice also own 50% or more of the plan assets.

5 Great Ways to turn the pandemic into financial progress


5 Great Ways To Turn the Pandemic Into Financial Progress We are often asked, “Will investors see a V-shaped or a U-shaped recovery from the measures taken in response to Covid-19?” While this answer changes our short-term plans, it assumes we will eventually recover from this pandemic. Long term investors face a different and more

What you need to know about 529 plans


What You Need to Know About 529 Plans There is no better building block than the 529 plan for parents trying to save for their children’s future.  These tax free savings vehicles are flexible, effective ways to invest funds for college savings. They are offered by many states and each plan has subtle differences that

What You Need to Know About Investing in the Market of Coronavirus


What You Need to Know about Investing in the Market of Coronavirus Coronavirus has been hitting the stock market hard, causing the fear of a recession or financial crisis similar to what we had seen in 2008. Like the 2008 financial crisis, many investors are suffering from the dramatic downturn of the market. This is

Why do investors get below-average returns on their savings?


Why do investors get below-average returns on their savings? Why do most investors get below-average returns on their savings? Between 1995 and 2015, the S&P 500 averaged a return of 9.85% per year, according to Dalbar Inc research. Over the same period, the average equities market investor returned only 5.19% per year. Why? The big-picture answer is “humans

Ahead of earnings season, have private markets become over-valued?


Ahead of earnings season, have private markets become over-valued? Ahead of earnings season, keep this in mind Public markets provide a sobering reality check to the party atmosphere in private marketsValuation in private markets has gotten away from fundamentals and centers more on telling a good storyAbsurd valuations is a consequence of too much money

What is neutural divestment?


“Neutral” Divestment: Remove, Rotate, Replace.  A “neutral” approach attempts to remove fossil fuel assets without sacrificing investment performance. It’s based on the core passive investing principle that markets tend to be better at allocating capital than individual investors. RemoveFor most clients, it’s hard or unproductive to simply sell everything and start over. We use donor

Explainer: Tracking Error


What is tracking error and why do we avoid it? Tracking error is the difference in performance between a portfolio and its benchmark. It’s generally used to evaluate the value of an “active” choice by an investor.For investors who want to keep pace with the stock market, the S&P 500 – which accounts for about

The three types of climate divestment


The three types of climate divestment.  Climate change poses an existential threat to humanity. The UN estimates that over 1,000,000 species will go extinct by 2100 while entire countries will be swallowed up by rising sea levels, both caused by climate change.Climate change also poses a direct risk to investors. The International Renewable Energy Agency (IRENA) estimates that $11 trillion

A quick guide to divestment


Divest your assets in 5 easy steps.  In 2006, Al Gore introduced us to an “Inconvenient Truth”: that our efforts as a species to become wealthy and comfortable had an unintended side effect: potentially catastrophic climate change.   Most of the impact of climate change would fall on the global poor, making it a moral

Retiring at 55


How To Think About Retiring Early What Millennials Can Teach Their Elders About Retiring EarlyFor many folks, increased longevity means they need to seek higher returns on their savings, save more today or retire later. Yet many millennials have started to retire earlier rather than later.Since about 2011, the FIRE (Financial Independence, Retire Early) movement

Longevity and retirement


What Do Longer Lifespans Mean For Your IRA? Why a 65-Year-Old With a 95-Year Life Expectancy Needs to Start Planning Like a 45-Year-Old With a 75-Year Life ExpectancyMost people are familiar with a couple of financial planning rules-of-thumb:Save 10% of your income.Plan to rely on 4% of your investments each year after you retire.The proportion

Two Types of Wealth


Two Types of Wealth.  For folks who care about more than just counting coins, we help to create and implement integrated financial plans that align your investment, philanthropic, and family goals.We believe in two tpes of wealth:  Your “tangible” wealth consists of your investments and real assets. Your “Intangible” wealth is comprised of your family’s story, the

Debt-free degrees


Can I prepare my children for college debt burdens? For some families, the answer is yes. In 1970, 11% of adult Americans had earned a college degree. These few were considered the “best and brightest”. At the time, a college degree was seen as a sure fire way to enter the middle class. Today, a higher

"Investors are swimming against the tide with one arm tied against their backs. The tide consists of taxes, fees, volatility, inflation and life events and the only time-tested tools at your disposal boil down to diversification, compound interest, and time.”

Dana Grigg

President

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