Tag Archives | financial outlook

Expected Sources of Premium Stock Returns Part III: Capturing Return Premiums Requires Resolve

In our last post, we described how small-company and value stocks have served as a source for premium returns in the past. Today, we’ll explain how capturing these returns has rarely been as easy or obvious as 20/20 hindsight might lead us to believe. Figure 2 Consider Figure 2, from 1928–2014. It illustrates three critical […]

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How We Select Investments

When introducing evidence-based investing, we like to begin by explaining why we feel it’s the right strategy for those who are seeking to build or preserve their wealth in wild and woolly markets. Of course sensible strategy is best followed by practical implementation, so it’s also worth describing how we select the funds we typically […]

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Planning Concerns of Divorcing Couples – Part 2

10 “Must Know” Areas of Potential Financial Contention Please see Part 1 here: Planning Concerns for Divorcing Couples – Part 1 Child Custody, Child Support, and Alimony When parents separate and divorce, one of the most emotionally charged issues involves the children and who will live with them. Determining the extent of child support, and […]

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My Daughter’s Surprise 18th Birthday Present: Not what she expected, but it will keep on giving

Key Takeaways Once your child turns 18, the law prevents you from making certain important financial decisions on his or her behalf. Purchase basic estate documents for your child: will, durable POA, healthcare POA. Help your child select a credit card (with reasonable limits and rates) to establish a credit history. For further reading on […]

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Trade in your Squawk Box for Evidence-Based Investing

Everyone was a stock picker when I started in the financial services industry. It was 1985. In those days, no one had heard the term Evidence-Based Investing. Every morning, we would crowd around a speaker called The Squawk Box and listen to our firm’s analysts make prognostications about stocks, bonds and markets. We had no […]

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Getting Rich Slowly – A Lesson for the Younger Generation

As the newest member of the Independence Advisors team, I’d like to introduce myself.  I’ve been with the firm for a few weeks now, after spending 5 ½ years at PricewaterhouseCoopers in both Philadelphia and Denver, CO.  This month, my wife and I will be welcoming our first child to the world.  We’re incredibly excited […]

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Using 529 Plans for College Funding – Part 2 Real world case study

Key Takeaways When it comes to 529 plans for our clients, we recommend those that meet our firm’s overall philosophy about investments—and costs. The earlier you start saving the better. If you wait until your child is say, 10 years old, you would need to sock away $14,000 a year to have $150,000 on hand […]

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