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We have been hearing this question often in recent weeks, “How are the markets going to react to the presidential election?”  Although we tend to hear this question every presidential election, it seems to be coming up more often this time.  Perhaps that is because many people have strong negative views of one candidate or another, or both.  The latest Real Clear Poli

For Maximum Retirement Income You Need Tax Diversification

You may have noticed that the stock market has had a rough few weeks to start the new year.  Including yesterday’s (Jan 20, 2016) selloff, the S&P 500 Index is down 9% for the year and 11.9% from a recent high made in November.  To use some technical jargon, this means that we have reached a “correction” (a decline of 10% or more) but not yet a “bear m

Along with fund performance and risk ratios, expense ratios are a critical factor in determining the potential of funds to outperform the indexes and their peers, but they are easily overshadowed by robust returns in strong markets.  Now that the market is settling in, and fund returns are reaching relative parity with the market, expense ratios become even more important.

A thoughtful client expressed concern recently because of a CNNMoney article titled “‘Extreme Fear’ is Back for the Stock Market”.

To which my initial response was:  So What?

Perhaps the most important factor in formulating your investment plan is your risk tolerance; that is, the amount of risk you’re willing to assume in order to achieve your most important objectives.

Submitted by Joe Call, CPA/PFS, CFP® on June 23, 2015

Spinnaker Financial Advisors has proudly been fee-only since its inception in 1998.  To us, being fee-only is very simple: it means that we are paid fees by our clients.  Only that.  We receive no commissions, referral fees, or anything else from anybody else.  Period. 

Early in my financial planning career, I learned the first obligation of a true financial advisor:  Protect your clients from the financial services industry. 

If you listen to any of the world’s leading investors they will tell you that nothing is more important to long-term investment success than a clear investment philosophy. Investment strategy, while important, is nothing more than a manifestation of an investment philosophy.

The need for retirement planning didn’t really exist until well into the 1970s. Up to that point, people worked until age 65, spent a few years in leisure through their life expectancy which was about 69. Many retirees of that era were able to coast into retirement with a cushy pension plan.