Articles

When you hear the term market sectors or market rotation, what are they talking about? What is a sector and how does that effect my portfolio? The market is divided into three broad categories. 1). Defensive stocks: companies that should do well in good times and bad. They are the essentials of life. 2). Growth companies: ones that are more volatile with great opportunity for gains and losses. 3). Cyclical companies: ones that literally cycle in and out of favor, generally based on the underlying economy. Within each broad category are sectors, companies whose stock is going to trend similarly with good and bad news.

The spread of Covid-19 has raised a lot of anxiety around money. One of the number one questions I am getting asked is “What should I be doing financially right now?” The answer to this question really depends on your current financial situation and why you are asking the question. Are you concerned you may not have the liquidity to sustain extended unemployment or pay cuts? Are you wondering if you should be investing? Are you concerned about market volatility?

One of the first things I hear people say when I tell them I am a Financial Planner is "I will come see you when I have some money." The truth is you should come see me before you have money in the bank. If you are fresh out of college & starting your career, building a business, a few years into working or starting anything that effects your financial life, you should seek a Financial Planner.

"What keeps you up at night?" This is one of the first questions I ask clients that I am sitting down with for the first time.

In the financial industry there are and always have been good and bad actors. Some bad actors make the front page of the paper while others are either not discovered or their level of fraud does not rise to that level.

If you are part of a work place retirement program, chances are you have fund choices in your portfolio. Once a year you are given the option to pick the funds that you want to invest, but seldom does anyone explain what those options mean.