Risk Level is SOOOO Important
February 5, 2019  | By Kevin Smith

The amount of investment risk you take will probably make the biggest difference in how your account performs over short and long periods of time. It deserves our attention more than almost any other topic. The two competing investment objectives…Read More

529 Plan Defaults are Deficient
January 15, 2019  | By Kevin Smith

College funds are designed to be simple so the largest number of people will use them. Signing up is easy. Linking your bank account is easy. Accessing accounts online is easy. Now investing is easy… maybe too easy. Choosing investments…Read More

2018 Year-End Trading
January 15, 2019  | By Kevin Smith

The stock market brought us gifts just in time for Christmas. The chart above show the % declines from all-time highs over the past five years for the S&P 500. Christmas Eve just happened to be the most significant pull…Read More

From Vanguard on the Future
December 6, 2018  | By Kevin Smith

Vanguard stepped up its research capabilities and provided more information to investors in 2018 than ever before. Their market outlook for 2019 is particularly well assembled. My cliff notes are below and you can find the entire paper here. Short…Read More

My Lunch with Ben Bernanke
November 27, 2018  | By Kevin Smith

Ben Bernanke can smile… and he is actually kind of funny. The perfectly formal and stiff Bernanke we remember from appearances during his tenure at the Fed spoke freely with occasional wit and humor at a November 2018 lunch meeting…Read More

Year-End Planning Tips: Your Charitable Fund
October 24, 2018  | By Kevin Smith

A Donor Advised Fund (DAF) is kind of like your own personal endowment, but without the administrative costs and hassles. A DAF is an investment account that receives your charitable donations, allows you to take the tax deduction in the…Read More