Planning Matters.

“Sign of the Times, or Just Plain Loco”

Consistently throughout 2017, I’ve observed several financial transactions, or some type of valuation, that just doesn’t settle quite right with me. Perhaps near zero interest rates around the globe have permanently changed financial markets.

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Another Day, Another Data Breach

The credit reporting agency Equifax announced last week that the Social Security numbers, birthdates, address histories, and other information of up to 143 million people may have been leaked in a massive data breach. Because of the size of the data breach, it wouldn’t be unwise to assume your information has been compromised.

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Competing For Jobs May Have Just Gotten Harder

Immigrants are relatively better educated when coming to America and the share of those with college degrees has nearly doubled over the last 20 years, further complicating the employment picture…

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Gridlock on Capitol Hill: What Markets are Conveying

Asset class performance in 2017 is significantly different than during the period from Election Day through year-end 2016. What are markets conveying?

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Winners & Losers: A Look into the Recent Past

Below is a look at 10-year annual returns of major asset classes in 2008, 2013, and 2016. What’s notable is how an asset class deemed “today’s favorite” becomes a “dawg” a handful of years later. For example, in 2013 emerging market stocks led the pack with a 10.5% annualized return only to severely underperform thereafter,…

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