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Quick Thoughts on DOW 20,000

Dow 20,000 is the talk of the town. There is no escaping it. As I write this (Wednesday at 10:36 am), the index is a mere 0.60% away. But a question being asked, explicitly and implicitly, is this: “Do the current valuation levels (specifically P/E Ratios) signal a market top?” My opinion? Not by themselves. Research from LPL Financial and Barclays indicates a weak relationship between one measure of stock…

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Why the Shrinking Unemployment is Not as Good as it Seems

Well, we finally had a negative week in the S&P 500, post-election. It was trading down 0.97% for the week, and ended up at an index level of 2,192. The Dow Jones Industrial Average was barely positive, clocking in with a 0.1% gain on the week to close at 19,170. There was good news with employment and an interest rate hike is basically a 100% lock, so what gives? It…

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VIDEO: Excitement or Drama?

Important Disclosure Information for “Excitement or Drama? “ Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Monument Wealth Management), or any non-investment related content, made reference to directly or indirectly…

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VIDEO: On the ‘Road’ to Investment Success

Important Disclosure Information for “On the ‘Road’ to Investment Success” Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Monument Wealth Management), or any non-investment related content, made reference to…

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Second Quarter GDP and Some Other…Thoughts

Want to know my thoughts on second quarter GDP for this year? First go read this from 2012. 2016 GDP rose at an annual rate of just 1.2% in the second quarter, which is way less than the estimate of 2.6%. To add to the pain, Q1 was revised from 1.1% to 0.8%. So it turns out that 1.2 is not much of an improvement over Q1’s feeble pace. On…

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Money Management

Congratulations! You’re going to college!
So what are you going to do about money?

For years, your mission in life was to get into college. Now that you’ve cleared that hurdle, it’s time for some more grown-up goals, especially related to money. It’s time to prove that when you graduated from high school, you also graduated from the Bank of Mom and Dad (BOMAD). Going to college and managing your own money is going to test the skills you learned by having an allowance…

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8 Ways to Jump-Start Your Retirement Savings

The best advice is to start now, because time is the most important factor in preparing for retirement. Saving for retirement is a daunting task. It requires cutting back current spending in order to fund an unknown future. We don’t know how long we will live. We don’t know what our future expenses will be. Finally, we don’t know how much our savings will grow. Nonetheless, despite these uncertainties, it…

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2015 Mid-Year Economic Review Videos

I’ve just returned from a week-long vacation out in Yellowstone.  It is an amazing place.  I highly recommend going if you have not seen that part of the country.  It’s stunning.  So, in lieu of a normal blog this week, I’d like to pass along the following three videos, which make up our Monument Wealth Management 2015 Mid-Year Economic Review.  Our intern team did all of the production work on this, and I…

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10 Ways to Teach Your Kids About Finance

Teaching your children how to manage money is a very rewarding experience. I am a certified financial planner and a father of four young children. Naturally, I want my children to be happy, healthy, educated and financially secure. I have noticed that it is challenging for parents to find time and interactive ways to engage their children in learning about finance. Often, the school systems don’t even provide the option…

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How Real Estate Fits Into Your Retirement

You need to consider the benefits of buying real estate along with the risks. Homeownership used to be considered the American Dream. Most baby boomers grew up with a goal of owning their own home. Now, many members of the younger generation question whether it is a good idea to buy real estate. No wonder – having watched the housing market collapse five years ago, combined with a difficult job market, buying…

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Are You Emotionally Prepared to Exit Your Business?

Find out which stage of mental readiness you fall into, and if you are prepared to exit your business! As a business owner thinking about selling your company, you face a unique set of challenges. If each of these challenges is met, the transition from your privately-held business into retirement is likely to be very smooth and successful.  Read more…

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