Information to help you lead a smarter financial life.

20 Second Advisor: Yield Curve Inversion?! What does it mean for me?

The US yield curve just inverted!  For the average American, they have little idea of what that means.  It’s often seen as a bad omen.  Normally, longer term bonds have a higher yield than shorter term bonds (i.e. A “normal” yield curve).  When the yield difference between long and short term bonds reverses (short term…

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20 Second Advisor: What you should make of the recent ups and downs in the market

With the recent decline in global stock markets, you may be wondering what this all means for your portfolio.  For perspective, keep this in mind: It’s important to take headlines and put them in a broader context Historically, whether the stock market has a significant decline (10% or more) or reaches a new high, returns…

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20 Second Advisor: Tale of Two Investors & Using Time to Enhance Wealth

What is the secret to having a great investment experience? A few key things come to mind.  One of the great secrets of investing is putting TIME on your side.  If you can save significantly when you are young, the powerful effects of compounding returns work in your favor.  More time = more wealth!  Let’s…

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20 Second Advisor: Midterm elections and what they mean for markets

While it can be easy to get distracted by month-to-month or even one-year returns, what really matters for long-term investors is how their wealth grows over longer periods of time. Exhibit 2 below says a lot. It shows the hypothetical growth of wealth for an investor who put $1 in the S&P 500 Index in January 1926.…

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20 Second Advisor: Frightfest Video

Watch this video to see what the stock market and Halloween have in common! *Returns quoted are based on the All Country World Index (ACWI) from November 1, 2016 – October 31, 2018

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20 Second Advisor: Time Heals All Investment Wounds (Sort Of)

You’ve heard the phrase, “Time heals all wounds.”  Normally, this is discussed in a relationship context; however, the phrase has A LOT of meaning when it comes to investments.  Check out the graph below.  People tend to look at short term movements in the stock market and feel like they need to make a change…

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20 Second Advisor: Are you planning on putting your child through college?

According to recent data published by the College Board, the annual cost of attending college in the US in 2017–2018 averaged $20,770 at public schools, plus an additional $15,650 if one is attending from out of state. At private schools, tuition and fees averaged $46,950. Here are some quick tips as you start thinking about…

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20 Second Advisor: Video – Big Firm Update

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20 Second Advisor: Do You Have Trouble Prioritizing Your Future? Be More Specific To Get Results.

Delaying gratification can be tough.  The things we want right now are SO tangible.  For immediate wants, you can vividly imagine taking that international trip next month, or renovating your bathroom this year, or just enjoying a night on the town. But it can be hard to prioritize future goals such as: Having flexibility in…

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