With one child in college and two more quickly approaching, I am intimately aware of the soaring costs of a college education. For the 2018–2019 school year the average cost of Tuition and Fees, not including Room and Board, was $35,830 for private colleges and $10,230 for public colleges according to data from the College […]
Christmas came late! After a volatile gut-clenching end to 2018, when markets finished with a dramatic correction, the year’s first quarter delivered a happy rebound. All market sectors turned strongly GREEN, leaving last year’s champion, Cash, in their dust. It just goes to say, what goes up must come down, and vice versa. In the […]
The market confusion referenced in our last commentary has somewhat resolved itself as the final quarter of 2018 closed. The 10-year Bull market has been abruptly interrupted as the Bear emerged from the woods with a vengeance. Having been held in check by an accommodative Fed for most of that period, it now appears the […]
Our clients are aware that they have each signed new advisory agreements during the past year. The new agreements are exactly as before except for the addition of federally mandated exceptions to the confidentiality provisions. Now, if we ever suspect that a client is experiencing “diminished mental capacity” or “elder abuse,” we are authorized and […]
Our latest quarterly newsletter is fresh off the presses. Here is a link to access a pdf version: January 2019 Newsletter. Our latest quarterly newsletter is fresh off the presses. Here is a link to access a pdf version: January 2019 Newsletter. Please let us know if you would like to receive a paper […]
Every year, there are cost of living adjustments to various numbers that affect financial planning, for instance, Social Security payments increase in 2019 by 2.8%. Here is a summary of some important changes. Please let us know if we can help you understand how these numbers affect you. Your ability to save on a tax […]
Those of you who have been diligently consuming our investment commentary would recognize that the current market volatility is not unexpected. Our view has been that US Equities, especially growth and technology stocks, have been overvalued for some time. These are the sectors that have led the current downturn. Two-thirds of the S&P 500’s individual […]
At Armor, one of the areas that we consistently strive to improve is our communication style. To me, perhaps the most important part of communication is listening – more specifically, making sure our clients trust that we are hearing what they have to say. Fortunately for us, as 21st century risk managers, technology has provided […]
Our latest quarterly newsletter is fresh off the presses. Here is a link to access a pdf version: October 2018 Newsletter. Please let us know if you would like to receive a paper copy in the mail. Nothing contained in this publication is intended to constitute legal, tax, securities or investment advice, nor an opinion […]
Walt and I once had breakfast with a man who told us that he invented Financial Planning. In St. Louis, in 1976, I think. It was invented, he told us, purely as a way to sell insurance. He did not understand how we could be Financial Planners, but not fund the exercise by selling insurance. […]
