I love spending time with my father-in-law for a lot of reasons, not the least of which being his generosity with his time, knowledge, and wisdom.  In my conversations with him this week (in between him taking care of all the boats and the new fishermen in the family), he reminded me of one incredibly important fact with regards to personal finance…

As we commemorate Independence Day, it is important to reflect on the struggles, sacrifices, and unity that were instrumental in securing our nation's freedom. Additionally, let us delve into the profound significance of one of the oldest financial instruments still in use today: bonds. Bonds, also known as “debt,” or “fixed income” investments…

As of this writing, the White House and Congress have come to an agreement to lift the debt ceiling until 2025, which will be the 78th time it has been lifted since enacted in 1960. Congress has approved the new bill, ironically called the Fiscal Responsibility Act…

May is an eventful month on Wall Street, with the release of first-quarter earnings reports and a Federal Reserve meeting scheduled for tomorrow. Investors are anticipating a 25 basis point rate hike as the Core PCE Index, the Fed's preferred inflation gauge, was recently reported at 4.6% - well above the Fed's target of 2%.

We spend a lot of time in this space and with our clients describing the concept of “risk.” Nevertheless, it needs to be revisited constantly.

A few weeks ago, the financial world seemed to be unraveling faster than an old sweater. Silicon Valley Bank (SIVB)...

“Is my money safe?”

Perhaps it’s a question you’ve been asking yourself over the past few days. Certainly, quite a few of our clients have been, and we understand the concern.

2022 was an unprecedented year for the stock and bond markets, and nobody expected an easy 2023 to follow. The dichotomy between the market fundamentals and the economic data is enough to make anyone reevaluate their investment strategy. When was the last time you took a second look at your portfolio?  

The technology sector is going through another reset. I think we can officially call 2022 the end of the second era of the modern technology boom, the first being the internet/dotcom hysteria that ended at the turn of the century, the second was the movement into social media and the “everyone gets their 15 minutes of fame” era.

Stocks closed out 2022 with a whimper, as major indexes suffered their worst year since 2008. Is Santa real? The stock market doesn’t seem to think so. The infamous “Santa Claus Rally” never came, but that didn’t stop the Arctic temperatures from freezing Denver. On December 22nd, Denver temperatures were the coldest it has been since 1990.

I started my career in 1999 in the finance industry in Denver. As a young man in the early part of the 2000s, I would proudly tell everyone in the older generation how easy their lives were because it was sooooo much easier (it least in my mind) for them to buy a house and start a family than it was going to be for me.

I hope everyone enjoyed Halloween! My son dressed up as a dragon and went trick-or-treating for the first time. Someone asked me if he knew what it all meant? I remember thinking, I don’t even know why people trick-or-treat or dress up for Halloween! If you are like me, maybe you will enjoy learning the concept of trick-or-treating has roots…

This fall, we took my oldest son to college and dropped him off. As I’ve told everyone who asks, it was the hardest thing that I’ve ever had to do as a parent. He may be 18 years old, but leaving him somewhere to fend for himself feels…unnatural. On the outside, I told people how excited I was for him to be starting this new adventure in his life…

The Autumn Equinox will be observed on September 22nd this year. Of course, this marks the first day of fall. September is a month when temperatures and leaves begin falling. Coincidentally, the month of September has also been the worst month for the U.S. stock market with an average loss of 1% going back to 1928.

Why do we enjoy being miserable so much? I’m not asking in a tongue-in-cheek sort of way but in a more serious, psychological way.

You can’t go a day without hearing a news story, reading a headline, or even engaging in casual conversation about how “we’ve never been more divided…

The city of Denver is on top of the world, and the mountain of euphoria is 5,280 feet high. For the first time in fifty years, both the Stanley Cup Champion (Colorado Avalanche) and the NCAA Men's Hockey Champion (Denver Pioneers) reside in the same city. As Denver celebrates historic victories during the Colorado Avalanche Stanley Cup Parade…

I’m going to let you in on a little secret: nobody knows what’s going to happen with the stock market or the economy in the future because nobody can predict the future, as much as we would like them to. The only state we operate in is one of perpetual uncertainty. Tomorrow is always uncertain and believing that someone out…

First and foremost, we are impressed by your composure. Stocks and bonds are falling, the economy contracted in the first quarter, mortgage rates surpassed 5%, and the Nasdaq posted the worst monthly performance since 2008. Even with the negative headlines, we have yet to hear from almost all of our clients. Perhaps the market turmoil…

Where do I begin this month?! Geopolitical conflicts, the stock market, an economic contraction in the first quarter, and what about the pesky bond market? Unlike most commodities, topics for our newsletter are not in short supply this month. Will the adage, “Sell in May, go away,” hold this year? The month of May is named after the Roman goddess Maia, who was considered an earth goddess and a nurturer that oversaw the growth of plants.

So many things on my mind…where do we even start? War in Ukraine? Will Smith and Chris Rock? Whatever anyone on either end of the political spectrum is upset about today? So many things and so little time! And to top it off, it’s April Fool’s Day, which gives me the option of writing something that doesn’t even have to be true.

Instead, I’m going to hit on a few things I think I think in this month’s newsletter…

The world is watching the news like a hawk as Russia embarks on a quest to subjugate its western neighbor. Russian troops march into Ukraine, Russian protesters march all over the country to denounce the incursion of Ukraine. Russia’s seemingly pointless invasion faces global condemnation as leaders worldwide unify to chastise…