July 2018 Newsletter

Our latest quarterly newsletter is fresh off the presses. Here is a link to access a pdf version: July 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 […]

Bear Signs?

One of my resolutions for the year is to more frequently post blogs regarding markets, and what we may, or may not, be looking forward to. It appears more and more likely that markets are experiencing a traditional bear phase. Lest we forget, 2017 surprised a lot of observers with an extraordinary rise following a […]

Armor’s New Client Web Portal

Armor’s new client portal is LIVE! New technology has opened up doors for us to collaborate in an unprecedented way. Armor clients can now organize, prioritize and personalize their financial lives through Armor’s secure client web portal. Once we have set up your private site, you can connect all of your financial accounts to build […]

April 2018 Newsletter

Our latest quarterly newsletter is fresh off the presses. Here is a link to access a pdf version: April 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 […]

Financial Stress Managers

Eleven years ago when I left the world of technology and joined Walt at Armor, we had long discussions about how to describe ourselves. From a regulatory perspective, we were (and are) Investment Advisers (Not Brokers), but that seemed too technical. We discussed Financial Planner, but it seemed to imply annuity salespeople. We were, of […]

A Correction…Finally

The past week has proven that the old saying, “What Goes Up, Must Come Down”, is once again in play. 2017 represented a relentless, never-ending bull market (or market in Bull?). We are now seeing a reversal of that trajectory, albeit in a very compressed time line. This is typical of how a bull market […]

January 2018 Newsletter

Our latest quarterly newsletter is fresh off the presses. Here is a link to access a pdf version: January 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 concerning […]

HSA: The Secret Savings Weapon

You might have heard of Health Savings Accounts. They were created in 2003 to complement high deductible health insurance plans. The idea behind a high deductible plan is that if consumers have to spend their own money (on those high deductibles), they will spend it more responsibly and create price competition. To ensure that consumers […]

The Relentless Great Bull Market

Like the ever rising Great Bull Market, our quarterly commentary is in danger of becoming boringly repetitious in celebrating gains, delivering good economic and business news, but cautioning against exuberance (Bitcoin?). Perhaps this is a sign of a top, but this train keeps chugging along, and there doesn’t appear to be anything in front of […]

The 2017 Tax Reform Act in a Nutshell

The Tax Cuts and Jobs Act of 2017 dramatically changes the rules governing the taxation of individual taxpayers. The Act takes effect December 31, 2017 and ends January 1, 2026. It provides new income tax rates and brackets, increases the standard deduction, suspends personal deductions, increases the child tax credit, limits the state and local […]