White Papers

  • 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
  • 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
  • With the recent need for income-producing investments, income oriented closed-end funds are one type of investment product that has garnered a lot of attention lately.  While there is nothing inherently bad about closed-end funds, they are complex products that without proper understanding by an investor can be very, very risky investments. Many income oriented closed-end funds have historically been viewed as safe, mostly fixed investment vehicles.  Due to the current economic environment,...
    Post date: : 05/14/2013 - 8:00pm
    Category: White Papers
  • Master Limited Partnerships, or MLPs, generally refer to publicly traded limited partnerships. As with any type of security, MLPs have their own unique quirks of which an investor should be aware before deciding what role they could potentially have in their portfolio.   Like a stock, an MLP “unit” share is a small piece of ownership of a business. However, whereas stocks are issued by corporations, MLPs can only be issued by businesses which are structured as certain types of partnerships....
    Post date: : 02/14/2012 - 7:00pm
    Category: White Papers
  •       A quick overview of lending process and the meanings of bankruptcy, default and insolvency There’s been a lot of talk about bankruptcy, insolvency, and default in the news recently.  One might initially be inclined to think that these three words are synonyms.  However, this is not the case.  Each is a part of a larger debt repayment process. Whenever a company or an individual, borrows money from a reputable lender, there is usually a lot of paperwork.  This paperwork, which...
    Post date: : 09/01/2010 - 8:00pm
    Category: White Papers
  • What are the differences between Investment Advisors, Brokers, and Mutual Fund Managers? MANAGERS VS. BROKERS   What is a “Registered Investment Advisor” (RIA) and how do they differ from brokers (also called “Registered Representatives,” “Account Executives,” “Financial Advisors” or “Wealth Managers”)?   A Registered Investment Advisor (RIA) is subject to the Investment Advisers Act of 1940 and is a fiduciary.  A fiduciary is someone that manages money for the benefit of another, often...
    Post date: : 08/31/2010 - 8:00pm
    Category: White Papers
  •     A guide to everything you ever wanted to know about ETFs but were afraid to ask What Is An ETF? An ETF (acronym for Exchange Traded Fund), is an investment tool composed of a “basket” of securities used to track an index, sector, or commodity. When explaining an ETF it is useful to discuss its similarities and differences with mutual funds. ETFs are similar to index mutual funds because they enable an investor to purchase a small slice of a much larger investment pie. ETFs are composed of...
    Post date: : 08/31/2010 - 8:00pm
    Category: White Papers
  •   An explanation of call options and a brief introduction to the covered call strategy Clients sometimes as us about call options, a type of security we do not currently use.  Since it is important to thoroughly understand a strategy and asset class before investing, we present a brief and simple introduction to calls, with an emphasis on covered calls. A call option is a special kind of security that grants the owner the right to buy a security on (or up to) a certain expiration date at a...
    Post date: : 08/25/2010 - 8:00pm
    Category: White Papers
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