Analyzing Earnings During This Recession

Analyzing Earnings During This Recession

There is little doubt that America finds itself in a recession at the moment. Jobs are lost, and some businesses will never recover. What about the earnings of the companies that do survive? Are the earnings deferred, delayed, or vanished forever? It depends on the...
What is the Purpose of an Intrafamily Loan?

What is the Purpose of an Intrafamily Loan?

Are you familiar with the term intrafamily loan?  The low interest rate environment stemming from the 2008-09 recession created ideal opportunities for intrafamily lending. Our current environment has brought the concept back to the forefront with an additional need –...
Breaking Down The CARES ACT

Breaking Down The CARES ACT

That last 20 years, America has witnessed three major crisis events, not including the personal tragedies that plague families. The country lived through September 11, 2001, the Great Recession in 2008-09 and now this pandemic. All three events became economic issues...
What Behaviors Are Changing in the Quarantine?

What Behaviors Are Changing in the Quarantine?

What have you learned so far in the quarantine?  What positive changes have occurred in your life? Personally, I have committed to Yoga for 30 days straight and have completed 5, one hour sessions with my trainer via Zoom as I write this article. Zoom is a technology...
The Birth of the Exchange-Traded Funds

The Birth of the Exchange-Traded Funds

Every crisis that America has endured, we have come out better than before. The 1987 crash is being discussed widely during these times.  Recently, we have had the two worse days in the market since the 23% drop 32 years ago. My career in finance started just two...
Surviving 2008, The Difference Between Now & Then

Surviving 2008, The Difference Between Now & Then

When new families join our firm, “I can’t live through another 2008!” is a common statement. Naturally, we assure them that we have no intention of being trapped by a systemically broken market ever again. The main observation here for most of them making the...
Planning for Physical and Fiscal Fitness

Planning for Physical and Fiscal Fitness

Waking up early and heading to the gym is tough. But once the workout is over, the payoff is often a tremendous energy boost. While people exercise for many reasons, they usually expect to benefit from their “sweat equity” not in the current moment, but in the future....
What is a Buffered ETF?

What is a Buffered ETF?

A successful retirement requires you to get many components correct. Sadly, failing at retirement can occur by missing or failing in just one of the many areas required for success. How issues relate to one another can be confusing and complex. Changing market...