News & Updates


More Turbulent Times


Any Class III rapid worth its boulders ought to be a little scary and a little fun at the same time when going through it. The last five days, especially the large point drops in the Dow over the past two days, have been a lot more scary than fun for many.  What is often […]

Rafting


Rafting

A few weeks ago was our family’s annual river trip. Typically, the river involved is the Lower Salmon and Snake in Idaho, but this year we opted for the Grande Ronde in Eastern Oregon.  If you’ve never floated the Grande Ronde, I highly recommend it.  The river rolls through conifer forests in a remote canyon […]

Tax Reform and Maximizing Charitable Gifts


Those over the age of 70 ½ who have a Required Minimum Distribution (RMD) may be able to take advantage of a giving strategy that has taken on more significance following the recent passage of the Tax Cuts and Jobs Act (TCJA). When preparing a tax return, filers take the higher of either the Standard […]

Turbulent Times


With the Dow Jones Industrial Average swinging around seemingly 1,000 points at a time over the last several days, we’re mindful that investors haven’t seen this kind of volatility for some time.  Amplifying the stock market swings is the fact that 2017 saw a historic absence of volatility in the stock market with a fairly […]

CFP Board Certification


On December 7, 2017, culminating two years of arduous work, I became certified by the CFP Board of Standards. The credential comes with extensive training in financial planning, estate planning, insurance, investments, taxes, employee benefits and retirement planning, as well as in CFP Board’s strictly enforced Standards of Professional Conduct. The CFP® process involves five […]

Identity & Credit Defense


Recent revelations regarding the security breach of the credit reporting agency Equifax, more lately, the SEC, are indeed troubling.   These are organizations that should be impossible for hackers to penetrate. But, I suppose it’s worth sharing that I spent a few years early in my career as an analyst in a national bank’s fraud department […]

Dow 40,000?


That’s right… Dow 40,000.  Do we have your attention?  With the index having breached 20,000, it seems quite reasonable to begin talking about Dow 40,000, right?  After all, the market has largely been on a so-called “Trump rally” since the election, seemingly doing no wrong and heading toward the stratosphere.  Surely Dow 40,000 is right […]

Holiday Thoughts


As we close in on the Christmas holiday and the end of 2016, we’re reminded of  how much there is to be grateful for, even in the face of known concerns and uncertainties so vague we never even know they truly exist until they step out into the light. It’s been an extraordinary year. After […]

On Interest Rates, Déjà Vu


Twelve months ago, as our Winter-2015 newsletter went to “press,” markets were awaiting a mid-December meeting of the Federal Reserve, widely expected to deliver the first uptick in base interest rates in years.  And here we are again, anticipating the Fed’s mid-December confab.  The CME’s FedWatch tool reportedly is assigning about a 95% probability that […]

When The Unexpected Happens


Just as the world expected Britain to vote to remain in the European Union earlier this year, the unexpected may have happened again.  As of this writing, it appears as though Donald Trump may have pulled off the unexpected. As written earlier this week, the stock market tends to react negatively to uncertainty and more […]