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Tag Archives: Financial Planning

How Can We Help?

We sincerely hope you’re enjoying Alhambra Investment’s research and analysis. As a gentle reminder, we go well beyond just offering market and economic insights. Alhambra also manages both Strategic (Passive) and Tactical (Active) portfolios with a talented team of seasoned professionals. As Registered Investment Ad­visers, we have a fiduciary responsibility to our clients and we’d welcome the opportunity to help you achieve your financial and investment goals. If you are...

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The Market’s Misread Of The Fed’s Minutes

Last week, the Federal Reserve released their March FOMC meeting minutes. Following the release, the markets surged higher as the initial reading by the markets was “the Fed is done hiking rates.” As the Wall Street Journal reported in Fed Minutes: Officials See Little Need to Change Rates This Year. ‘Minutes of the March meeting released Wednesday showed officials see little reason to continue raising rates due to greater risks to the U.S. economy from the global growth slowdown and muted...

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Your Healthcare In Retirement Reality

“I think I’ll take a moment celebrate my ageEnd of an era and the turning of a pageNow it’s time to focus in on where I go from hereLord have mercy on my next thirty years” – Tim McGraw, My Next Thirty Years Retirement planning is a holistic process that helps one to crystallize the relationship among savings habits, investments and debt. The exercise is designed to project into the future how current disciplines along with expectations can form specific retirement life milestones from...

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Fundamentally Speaking: Earnings Growth Much Weaker Than Advertised

With analysts once again hoping for a surge in earnings in the months ahead, along with an economic revival, it is worth noting this has always been the case. Currently, there are few, if any, Wall Street analysts expecting a recession currently, and many are certain of a forthcoming economic growth cycle. Yet, at this time, there are few catalysts supportive of such a resurgence. The Fed isn’t hiking rates, but they aren’t reducing them either. The Fed isn’t reducing their balance sheet...

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9-Ways To Teach Kids About Money

Financial literacy is a grassroots effort that begins at home. Or in the car. Or in the bathroom. With money such a big part of our lives, opportunities to build a child’s financial literacy are all around us. As a child, I was an observer. My mother existed on welfare and dad lived for the moment. Both died with nothing. Today, with your children bombarded with messages to spend you need to “sneak” money lessons in whenever possible. Success comes from changing up old beliefs about how you...

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The Bond Bull Market

Last year, I wrote an article entitled “The Upcoming Bond Bull Market,” which, at the time, was pushing against the mainstream consensus which was predicting rates could only go higher. I am updating that article with the latest data points as the overall thesis of “why” we have remained bullish on bonds since 2013 remains intact. As we said at the time as yields were hitting some of the highest levels seen in the last decade: “The worse things seem, the better the opportunities are for...

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Health Is Part Of Your Financial Plan

So, have you scheduled your colonoscopy? How’s the diet going? How much weight have you lost? How many hours of sleep do you get a night? Welcome to client/advisor conversations of the future. And the future is now. It’s easy to comprehend how unhealthy people accumulate less wealth, may be forced to retire sooner and suffer shorter life expectancies. If anything, being unhealthy in retirement even if one has the finances, makes for an emotionally challenging existence. According to De...

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Tips To Consider If You Are At Risk Of Getting A Severance Package

With the current economic expansion already extremely long, even by historical standards, there is a rising risk that record low unemployment most likely won’t stay that way forever.  Could your job be at risk when the next recession comes? Severance packages are popular when companies seek to reduce workforce, especially older workers. According to Lee Hecht Harrison and Compensation Resources Inc. in their 2017-2018 Severance & Separation Benefits Benchmark Study of over 350 senior...

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Social Security IS America’s Pension

Abhorrent income inequality along with issues related to social safety nets like Social Security are political hot potatoes. They should be considered human issues. I’m certain that most readers regardless of political affiliation have witnessed or experienced firsthand, wage stagnation; people close to retirement who complete comprehensive financial planning realize the positive impact Social Security has on retirement success rates. Without Social Security included, even those who are...

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5-Things To Do Before Retirement

Saving for retirement isn’t perfect nor as easy as most financial pundits make it appear. Certainly, people with steeled fiscal resolve exist; those not diverted by a major financial life event that has threatened or postponed retirement plans should consider themselves fortunate.  Sadly, it’s not the norm. Today, most retirements are imperfect. Two significant stock market events, a decade or longer wasted for investment accounts to breakeven, a financial crisis, underemployment,...

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