CFP Board Ethics Updates: What they mean for you
We at Together Planning value the CERTIFIED FINANCIAL PLANNERTM marks[i] because we believe that the public is well served by the efforts of the CFP Board to elevate the financial planning profession through its high standards of both ethics and competence. Jud earned the right to use the CFP® marks in 2009 and I just […]
Are you on F.I.R.E.?
Have you noticed the significant uptick in the number of articles in the past few years about young people who save 60+% of their income, limit their expenses to the bare minimum and retire before age 40? The name for this movement is F.I.R.E.: Financial Independence, Retire Early. There are a couple of great takeaways […]
New Membership in NAPFA
We are proud to have joined the National Association of Personal Financial Advisors (NAPFA). This organization of fee-only financial planners requires an ethics oath and continuing education beyond what is required by the CFP® Board. Here is a summary from the “About NAPFA” page of the organization’s web site. The National Association of Personal Financial […]
What does it mean when the yield curve inverts?
If you watch or listen to market news, you have likely heard analysts mention the flattening of the yield curve, or the possibility of yield curve inversion, as a harbinger of economic recession. It is true that an inverted yield curve has preceded every post-war recession in the U.S., and the last time it happened […]
Debt cycles impact all of us.
I was recently alerted to Ray Dalio’s new book, Big Debt Crises, while listening to an interview of him done by Barry Ritholtz. Listen to it here. Free PDF of the book here. Ray founded one of the world’s largest hedge funds, Bridgewater Associates. In recent years, Ray has written several books, outlining the principles […]
What has happened since September, and what we are doing for our clients.
We are nine weeks into a correction that began in mid-September. Since that time, major stock indexes have lost all the year’s gains and then some. Fixed income markets have also declined. We know that markets go up and down. When they go down, it really helps when your adviser can illustrate how your portfolio […]
Buying stocks when prices are high
“…the risk of paying too high a price for good-quality stocks – while a real one – is not the chief hazard confronting the average buyer of securities. Observation over many years has taught us that the chief losses to investors come from the purchase of low-quality securities at times of favorable business conditions.” The Intelligent Investor, […]
Riskalyze Introduces GPA
Our investment management clients know that we use Riskalyze to help us quantify their risk tolerance as well as the risk in their investment portfolios. Riskalyze now has a new feature called GPA, which measures the efficiency in a portfolio– how much return is achieved per unit of risk. Please ask us about your portfolio’s […]
