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“It’s the Government, Stupid”

When Bill Clinton ran for president, his internal campaign slogan was, “It’s the economy, stupid,” which meant that the economy was the big issue, the one that drove all others. Today I believe that the government is driving the economy, and so as we try to assess the risks to the stock and bond markets—and therefore to investments in our client portfolios—I think, “It’s the government, stupid” is a good internal slogan.

To analyze that statement,

Ready for Retirement?

Retirement can be a surprisingly stressful time. According to t, several of the top ten life stressors tend to occur in our older years, including: the death of a spouse, the death of close family members, personal illness or injury, and even retirement itself (without considering the other factors).

You would think that after working all those years and putting money aside that you’d be stress-free and ready to play, to do all the fun stuff you’ve been putting off.

Revocable Vs. Irrevocable Trusts

When creating a trust, there are two basic ways to go: the revocable or the irrevocable trust.  What’s the difference?

To begin with, “revocable” means “capable of being revoked” or “changeable.”  If you create a revocable trust, you can change the terms and details whenever you want.  And yes, “irrevocable “ means the opposite: once written, even you cannot change the trust. Both types of trusts have their place.

Flexibility is the obvious benefit to the revocable trust.

High Rising Bull Markets and How They Ended

Right now, we are experiencing the second longest running (and the third highest-rising) bull market in history according to Bloomberg. I find this very interesting, so I decided to look at all of the record-setting high-rising bull markets. They did not end well.

Equifax Breach – How to Protect Yourself

As you probably heard, Equifax had a data breach and 143 million American's identities are potentially at risk. It’s a good idea to find out if you have been affected, and to protect your personal information as much as possible for the future. Though there is nothing that can guarantee your information is 100 percent safe, there are some steps you can take to make yourself more secure: