Season Investments



A Lifelong Commitment

Posted on Nov 18, 2014

Something to consider before pulling the trigger on a permanent policy is that it is a long-term commitment. Think of it as a marriage, not a high school fling. The majority of the investment value in a whole or universal life policy will be realized only after the age of the policy can be measured in decades rather than years.

Insurance or Assurance?

Posted on Nov 11, 2014

Life insurance is one of those topics that not many people like to talk about. That being said, life insurance can still play a vital role to most people’s financial plan. For this reason, we have decided to write a two part series unpacking various life insurance products and explaining why they may or may not be a good fit for some people.

ARCP Goes On Sale

Posted on Nov 4, 2014

Last Wednesday ARCP triggered a selling frenzy when it announced that it needed to re-state its first and second quarter financials. The stock plummeted on the news, presenting a compelling buying opportunity.

Nearing Depletion

Posted on Oct 28, 2014

Nearly 2 years ago we wrote about how P/E expansion through cost-cutting and share buy-backs were the tailwinds driving the stock market higher. Since then we have seen more of the same as growth in earnings has vastly outpaced sales, but how sustainable is this tailwind going forward?

Oil's Macro Shift

Posted on Oct 21, 2014

October has been a rough month for the broader stock market but an even rougher month for energy related investments as the price of oil has dropped precipitously. These kinds of drastic changes in the price of oil create a multitude of downstream effects in the global economy.

Crude Chaos

Posted on Oct 14, 2014

Chaos theory is extremely applicable to the world of economics, capital markets and public policy. If the economy is a pool of water, every decision made by every individual, corporation and policy maker is a pebble (some larger than others) creating its own individual ripple effects.

Exercise Your Options

Posted on Oct 7, 2014

Knowing how to wade through the plethora of college savings vehicles can be difficult. In this week’s Insight we bring some clarity to the topic by unpacking three of the most commonly-used options.

Saving For College?

Posted on Sep 30, 2014

As parents, we all want the best for our children and part of that includes giving them opportunities for success in life. Although we think it is a good and noble idea for parents to pay a portion if not all of a child’s education, it is not a necessity and other savings goals should be met before venturing down this path.

Young Buffett's Wisdom

Posted on Sep 23, 2014

Few would argue that Warren Buffett is one of the greatest investors of our time. Some might guess that a younger, less experienced Buffett managing a hedge fund might have a drastically different investment philosophy than the sage we know today, but is that the case?

The Cleanest Dirty Shirt

Posted on Sep 16, 2014

There are myriad reasons for the recent strength in our currency, but one of the simplest explanations is that despite its problems the US Dollar is still the “cleanest dirty shirt in the closet”. The fact of the matter is that the headwinds of over-indebtedness, soft labor trends and anemic private sector growth are not at all unique to the United States.

The Inevitability of Higher Rates

Posted on Sep 9, 2014

Most investors, economists, and pundits believe that interest rates here in the US have nowhere to go but up. But rates have dropped this year leaving some to wonder when the inevitable rise in interest rates will come.

Opposite Directions

Posted on Sep 2, 2014

With quantitative easing on its way out, the next important step from US policy makers will be to signal to the markets that they are ready to begin raising interest rates. Across the pond in Europe the situation is quite different, and monetary policy appears poised to move in the opposite direction as the US.