Publications

  • PDF version here By now, everyone should be reacquainted with the term volatility. For the first month of the quarter, it seemed as though the trajectory of interest rates was up, up, up in almost a straight line. No sooner had I written my fourth quarter newsletter highlighting how the yield on the 10-year U.S. Treasury note had finished 2017 lower than where it began the year than I was surprised by an increase in the yield by 30 basis points by the end of January. It did not stop there. By...
    Post date: 04/13/2018 - 3:53pm
    Category: Our Perspective
  • PDF version here As we finally say goodbye to winter in Rochester, will we welcome back the bear after a long, long hibernation? This feels like a possibility, as the bull market run may have hit highs in January that we won’t be seeing again for a while. The extreme volatility we’ve seen in the past three months could be a symptom of an underlying shift in the market cycle from a bull to bear market, as opposed to just some normalizing and correcting. Just two months into the new year, the...
    Post date: 04/13/2018 - 3:36pm
    Category: Our Perspective
  • This year’s opening quarter saw gains across most indices, even globally. The S&P 500 Index finished the quarter up just over 6%, with large cap outperforming small and mid cap stocks (a reversal of what we saw for much of 2016), Technology, Consumer Discretionary, and Healthcare sectors outperforming their peers, and Energy significantly lagging. The US markets in general have responded positively to Trump’s policy plans, and it’s looking as though earnings had a surprisingly positive...
    Post date: 10/12/2017 - 10:12am
    Category: Our Perspective
  • As is probably always the case in election years, it’s difficult to look back at the entire year without the picture being painted in large part by the election. And unsurprisingly, it also sets the scene heading into the New Year. Whereas investors approached 2016 with apprehension, 2017’s entrance has been one of unexpected hope. We aren’t as unabashedly convinced as the market might suggest, but we’re staying tuned.   Renewed Optimism? In the aftermath of the election, some sectors of the...
    Post date: 01/30/2017 - 9:23am
    Category: Our Perspective
  • Keeping client information secure from criminals is a top priority for our firm. To better protect client accounts from cybersecurity threats, we continuously review security procedures to ensure that we are following best practices recommended by the custodians, financial institutions, and industry experts with whom we work.   While we feel we are taking clear and actionable steps in our own firm’s security measures, cyber fraud continues to escalate, is becoming more sophisticated, and is...
    Post date: 11/13/2014 - 7:00pm
    Category: White Papers
  • More and more, people seem to be catching on to the fact that planning their Social Security claiming process can be vitally important to retirement.  However, intuitively, this may not make much sense, given the initial intent of Social Security.  The Social Security program was originally meant to be a government subsidized lifetime annuity for individuals to help supplement other income streams in retirement.  In order to be flexible for different retirement scenarios, the program allowed...
    Post date: 09/10/2014 - 8:00pm
    Category: White Papers
  • For nine days this month, Rochester will host the 13th Xerox Rochester International Jazz Festival. The world-renowned festival runs from June 20-28 and will feature over 1,200 artists playing 312 concerts at 19 venues within walking distance in and around the city’s East End cultural district, right in Howe & Rusling’s backyard! Clients and friends are welcome to catch their breath and rest their legs in our office during the festival. It even serves as a green room for performers!   “...
    Post date: 06/10/2014 - 8:00pm
    Category: General Interest
  • The Rochester Contemporary Art Center (RoCo) will hold its famous exhibition and sale, 6x6x2014, from June 7–July 13. Howe & Rusling will sponsor the event that has become an international small art phenomenon in just its seventh year. 6x6 is an exhibition in which every piece must be 6x6 square inches, or mounted on a 6x6 board. The artwork is made and donated by people from all walks of life including celebrities, international and local artists, designers, college students, children,...
    Post date: 06/10/2014 - 8:00pm
    Category: General Interest
  • The Memorial Art Gallery’s Art & Treasures Sale is celebrating 20 years this month. The annual event will take place Thursday to Sunday, June 12-15. The Art & Treasures Sale offers gently used antiques, fine art, jewelry, china, porcelain, silver, crystal, fine linen, and small furniture items. “Rochester’s most prestigious garage sale” supports Memorial Art Gallery programs and exhibitions, and last year was the Gallery Council’s biggest fundraiser. Howe & Rusling supports the...
    Post date: 06/10/2014 - 8:00pm
    Category: General Interest
  • In the world of retirement planning, the 21st century has been eventful. The tech bubble burst, the housing bubble burst, the Euro fell into crisis, the Fed has helped keep rates in an extraordinarily low holding pattern, and the list goes on. All these issues have made life difficult for those reliant upon their retirement portfolio for income and well being, as we’ve seen several age-old retirement rules fall by the wayside, along with retirees’ standard of living. These issues have also made...
    Post date: 03/10/2014 - 8:00pm
    Category: White Papers

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