Newsletters

Our team of writers and designers has worked as journalists for decades, and we bring our decades of experience to the work we do for our clients. Creating well-written, interesting, and engaging monthly (and sometimes weekly) newsletters is the key to getting the word out to clients on a regular basis. It not only shows them your expertise and keeps them abreast of the good work you are doing — it reminds them of your work, which will encourage them to reach out to you. Whether it be a brief and simple 3-article newsletter, or a multi-page blast packed with thought-provoking articles, these newsletters are an effective way to drive business to your firm. Scroll down for examples.

Is your financial portfolio truly diversified?

At the start of 2008, investors believed they were getting true diversification on their stock portfolios by investing in a variety of asset classes such as commodities, bonds, and real estate investment trusts (REITs). The prevailing thought was that these other asset classes would provide some hedge against pure stock portfolios.

Then the bottom dropped out. Last year’s global financial margin call, including a general collapse in the housing market and mass deleveraging of the financial system, caused many investors to liquidate everything and anything that had a market value. The spreads of many underlying securities widened, and prices dropped across the board. Keep in mind, certain bond positions dropped significantly, even in cases where there was no exposure to troubled assets.

So we began rethinking our strategy. Traditionally, many financial planners bought in to one philosophy: Buy and hold. This strategy has typically worked for the last 80 years. Indeed, studies have shown* that if you held a fully invested stock portfolio over that time period, your returns far exceeded those of bonds, treasuries, and cash. However, there aren’t many people who have 80 years to wait for their investments to increase. And we believe our retired clients, and those nearing retirement, cannot afford to go through another 2008. Our new motto: Row, don’t sail.

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