Independent Wealth Management
Who scrutinizes your investments, designs and tests your retirement and education plan, searches for new investment ideas, patrols insurance agents and mortgage brokers, shows you strategies designed to reduce your investment costs and income taxes, monitors your 401(k), promptly responds to your email, provides one monthly statement, day-to-day net performance across all of your accounts and does all of your paperwork...We do!
Lessons: Fall 2007
The markets have been shaken by the subprime mortgage meltdown. It may be instructive to recall the market dislocation in the fall of 1987. At that time, decisive action by the U.S. Federal Reserve soothed the markets and bold investors who had purchased beaten down shares profited as markets recovered. Recent efforts by central banks around the world could have similar results in this market downturn.
Rafael Velez
Strategies for Improved Credit
It's a modern twist on the classic chicken-or-the-egg conundrum: You can't get credit until you have a history of repaying credit. For millions of young people just starting out in their financial lives, getting approved for a credit card, auto loan, mortgage or other line of credit can pose a challenge. If you don't have a record of making payments or managing credit, lenders don't know whether you're reliable. They'll likely turn you down or charge you higher interest rates until you can prove your creditworthiness.
Commodities in your portfolio?
At a time when stocks and bonds are predicted by most academics and investment gurus such as Warren Buffet, Bill Gross of PIMCO, and Jeremy Grantham of Grantham, Mayer, and Van Otterloo, to produce 5.0% returns or less over the next decade due to...
Although it may sound frightening and risky to many investors, if handled correctly, commodities could be the missing piece of an investor’s portfolio. What exactly are commodities? Commodities are any mass goods traded on an exchange or in a cash market including: cocoa, coffee, eggs, lumber, orange juice, soybeans and sugar just to name a few. Industrial metals are also included with copper, aluminum, zinc, nickel, silver, and lead ranking among the most popular industrial metals holdings. Finally, the most widely followed commodities include oil, natural gas and gold.
Identity Theft
Do you use email? Online bill payment? Look at your brokerage account online? Utilize a wireless network at home, work or while traveling? In an effort to protect your personal and financial information, consider the following items...
