CWM Blog
Tuesday, November 5, 2019
November 2019 The Federal Reserve said they would raise rates 3 times in 2019, but instead have cut rates 3 times so far and perhaps with more cuts to come… The Federal Reserve simply is behind the curve because they are only...
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Wednesday, October 16, 2019
Roth vs. Traditional IRA – Which is Right for You? Aside from funding your 401K tax advantaged plan at work, individual retirement accounts (IRA) should be used to supplement retirement savings. The question that we often get...
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Wednesday, October 16, 2019
“If you don't know where you are going, you might wind up someplace else” Yogi Berra …as this bull market advances in age Historically, dividends have been 40% to 50% of the total return for the stock market with...
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Wednesday, July 31, 2019
Markets Recent economic figures show the U.S. economy getting back on a little more solid footing. Stronger jobs numbers, a bounce back in retail sales and consumer confidence are the highlights of recent improvement. These figures and...
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Thursday, April 25, 2019
Government shutdown, increasing tariff’s, Fed raising rates and a significant economic slowdown all plagued the stock market in the fourth quarter of 2018. Now all of those issues seem to be in the rearview mirror. The Fed has...
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Tuesday, April 2, 2019
“If you don't know where you are going, you might wind up someplace else” Yogi Berra Where is the Federal Reserve going?For 2018, the Federal Reserve (Fed) was fixated in raising interest rates rapidly and forecasted more...
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Wednesday, March 6, 2019
One thing that you can be assured of in the stock market is that there will always be volatility. For the month of December, the S&P 500 posted a 9% decline. At its lowest point on December 24th, the index was down a whopping 16.2%. As...
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Friday, January 11, 2019
Investor pessimism soared, and the stock market dropped as “the future ain’t what it used to be” Extreme negative sentiment dominated the markets causing the S&P 500 to drop 19.8% by late December from the September...
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Wednesday, January 9, 2019
As your year end mutual fund statements and tax documents arrive you should make sure that you take a close look at the performance of your funds AND whether you have a sizeable capital gains distribution. Often the fourth quarter is...
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Thursday, November 29, 2018
As we approach the end of 2018, it’s a good time to start thinking about financial moves that may help lessen your tax burden. New Rules This year ⦁ Increased standard deductions 2018: The standard deduction has nearly doubled to...
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Tuesday, October 9, 2018
Existing homes sales for August were released last week, the high-end market is experiencing a slow down: Nationally - Existing home sales were flat in August after subsiding the previous four months Sales are now 1.5% below year ago...
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Tuesday, September 18, 2018
It may be early September but at Chatham Wealth we are always looking at ways we can be tax efficient for our clients. How do we do this? Because you are dealing directly with the portfolio manager we are able customize the tax...
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Tuesday, September 11, 2018
NACHOS PARA MACHO By John Lui - Chief Investment Strategist September 2018 For the Macho… If you are ever in Playa Del Carmen, you will find a delicious pool snack at the Grand Hyatt, Nachos Para Macho (Nachos for the Macho)....
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Tuesday, August 28, 2018
It is estimated that Americans will need $275,000 for healthcare related expenses in retirement. One tax-advantaged account that many people don’t know about or don’t realize the full extent of benefits is the Health...
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Tuesday, July 31, 2018
The case for patient investing – buy right and sit tight! Over the last several years we have seen a lot of fluctuations in the stock market. These wild moves often tempt investors to move money in and out of the market trying to...
Read MoreDespite the significant strides the financial services industry has made toward better-informing clients of the cost of doing business, advisors using the fiduciary standard believe more can be done to increase transparency. “The...
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Monday, May 14, 2018
Time to consider cash equivalents as a viable investment again… After years of near zero and sub 1% yields for cash equivalents, floating rate debt, & short/ultra short term bonds (I will call them USBs), they now offer...
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Monday, May 14, 2018
Time to consider cash equivalents as a viable investment again… After years of near zero and sub 1% yields for cash equivalents, floating rate debt, & short/ultra short term bonds (I will call them USBs), they now offer...
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Wednesday, May 9, 2018
Title: May 2018 Bond Commentary – Dan Moskowitz
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Thursday, April 19, 2018
It’s that time of the year when many families are excitedly getting ready to attend their children’s college graduation. Where has the time gone? It feels like just yesterday that we were dropping them off for freshman year...
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Wednesday, March 14, 2018
Know what you own – The importance of rebalancing a portfolio The stock market has just completed a stellar year with the S&P 500 gaining close to 20% and we are coming out of the gates fast in 2018 with the S&P 500 index up over...
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Thursday, March 1, 2018
March 2018 Bond Commentary – Dan Moskowitz
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Wednesday, February 28, 2018
Retirement and Bonds - Time to Remember How Bonds Work Dan Moskowitz, CFP® February 20, 2018 The thirty-five-year bull market has clouded many bond buyer’s perspective. The chart below shows interest rates dropping from 1981...
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Sunday, February 11, 2018
Massive short squeeze on speculators gyrates the markets… Financial speculators that were short leveraged derivative products based on the VIX Index, caused massive late afternoon swings in the stock markets last week. One...
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Wednesday, November 22, 2017
The masses do not see the Sirens. They do not hear songs in the air. Blind, deaf, stooping, they pull at their oars in the hold of the earth. But the more select, the captains, harken to a Siren within them... and royally squander...
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Friday, September 22, 2017
Fall is a great time to review your financial plan. If you haven’t yet created one you should.Why is a plan important? A financial plan helps you prepare for the big events in your life. Unless you plan for it, you will not wake...
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Friday, September 8, 2017
As summer comes to an end, many kids/grandchildren/nieces and nephews are finishing up their summer jobs and heading back to school. Many will continue to work in some capacity throughout the school year.During this past tax season, I...
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Wednesday, August 9, 2017
“In the land of the blind, the one-eyed man is king” Desiderius Erasmus The big picture… A total return approach balances the two investing goals of income and capital appreciation based on market conditions. It does...
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Tuesday, June 27, 2017
Before she reached her second birthday, Julia was a smart, bleach blonde, blue eyed, “gifted” little girl. She could sing her ABC’s at an unusually young age. Soon after turning two, Epilepsy ravaged her body and mind...
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Sunday, May 7, 2017
Corrections are common and by definition are buying opportunities, but humans are wired to sell into them… A stock market correction is a temporary decline in the stock market of 10% or more, which does not interrupt the uptrend...
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Wednesday, March 1, 2017
“As most Americans know, we live in an age when it’s not a matter of if, but when you will become a victim of identity theft” - FTC Chairwoman Edith Ramirez Feb 2016Top Tips For Preventing Identity Theft Add antivirus...
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Wednesday, February 1, 2017
Drinking out of a fire hoseYes, it can be overwhelming with the 24/7 financial media and our friends/community sending us links to “news – usually negative as that is what resonates more” via social networks. After...
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Sunday, January 1, 2017
Dear Clients and Friends,Welcome to Chatham Wealth Management's Year End Newsletter. Each January, we like to review the big-picture events and scenarios of the past 12 months that influenced our investment strategies and ultimately...
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Tuesday, November 1, 2016
Do you remember the New Jersey tourism slogan from the early eighties: “New Jersey and You, Perfect Together”? The message for vacationing in New Jersey meant: long white beaches, surf fishing, entertainment and amusements,...
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Tuesday, November 1, 2016
Ronald Read was born in Dummerston, Vermont on October 23, 1921 and died June 2, 2014. Despite, earning a modest living as a gasoline attendant and then as a janitor at JC Penney, Mr. Read amassed an $8 million fortune by investing...
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Monday, August 1, 2016
In an era of low bank CDs and bond interest rates, we have been increasing our allocation to high quality dividend stocks or “bond like stocks” while reducing our investments from CDs and bonds. This strategy is especially...
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Wednesday, June 1, 2016
Often times, clients reach out to CWM looking for an opinion on an investment (or product) that just sounds too good to be true. They are intrigued by the “guarantees” and “I can’t lose money” features....
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Sunday, May 1, 2016
INVESTING TRUMPS WHO IS ELECTEDIn recent meetings, I can’t recall anyone asking me about China and oil as these scares are fading away like concerns about Greece and the collapse of the Euro did. The focus now is Donald versus...
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Tuesday, March 1, 2016
It might seem like the sky is falling. The media makes it sound that way. Many of your family or friends may say so. Even you may feel like the sky is falling when your investment statement shows a sudden and rapid...
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Tuesday, March 1, 2016
If you are standing in the doorway trying to protect yourself as the sky (i.e. stock market) falls, then consider these ideas to help you remain calm.1. Keep your long-term goals in mind: Remember that you have an investment...
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Tuesday, February 9, 2016
Goldilocks is good for the stock market The Goldilocks economy that is not too hot and not too cold is ideal for the stock market. An economy that is too hot raises the likelihood of rapid increases in interest rates that will...
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Friday, January 8, 2016
As an update to my commentary several weeks ago, we have been watching closely legislation regarding renewing the so-called Tax Extenders, as mentioned, a series of tax provisions that have lapsed and been reinstated (i.e., extended)...
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Monday, December 28, 2015
As 2015 draws to a close, a turbulent economic and legislative environment means CWM is keeping a close eye on several major planning issues to properly guide our clients:Checking on CongressThe most important thing to do this year for...
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Sunday, November 1, 2015
Many clients and friends I speak with seem to believe that the current stock market rally will end very shortly and a recession is right around the corner. We do not believe this is the case for a number of reasons.
Read MoreWhy Investors Should Avoid Market Timing - A Long-Term, Total Return Perspective
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Sunday, November 1, 2015
In the 1994 movie, Pulp Fiction, Mia Wallace ordered a milkshake at Jack Rabbit Slims that cost $5 prompting Vincent Vega to ask, in surprise, “Did you just order a five dollar shake” . After tasting the shake he comments...
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Thursday, October 1, 2015
Advisor Alpha – It’s More Than Just Portfolio Performance
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5 Tips for Bulletproof Liquidity and Financial Readiness By Michael T. Ryan - October 2015Unexpected expenses and financial emergencies are unfortunately part of life. As John Lennon once said, "Life is what happens to...
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"Thank you sir, may I have another"…Paying for college….Everyone should complete the FAFSA to be considered for financial aidBy Brian McGeough - October 2015When it comes to paying for college, John Blutarsky would probably...
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Wednesday, August 12, 2015
China's After Hours Farming! By John Lui - August 12, 2015 While the Shanghai Disney Resort is not expected to open until the Spring of 2016, locals need not wait as they can take a roller coaster ride on the Shanghai Stock Exchange...
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Saturday, February 7, 2015
529 Plans – Withdrawal Traps to AvoidBy Gregg Shaw – February 2015As we approach the end of the school year and prepare for the excitement of summer, it won’t be long for high school seniors to be heading off to...
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Saturday, January 10, 2015
Welcome to Chatham Wealth Management's Year End Newsletter. Each January, we like to review the big-picture events and scenarios of the past 12 months that influenced our investment strategies and ultimately impacted the value of your portf
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Monday, December 1, 2014
In meeting with my clients, their biggest concern is that the stock market will have to collapse because it has gone up so high since the March 2009 bottom. Their rationale is, “what goes up must come down”. Although the price level of the
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Monday, December 1, 2014
It’s 3am and a wife sees her husband whispering into the phone. Any normal person would suspect something is not right. Just like the wife in the State Farm commercial, investors
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The U.S. economy continued to grow at a steady clip in the second half of 2014.
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Monday, September 1, 2014
Six Reasons to Consider a TrustMany people believe establishing a trust will eliminate estate taxes. Although true with certain types of trusts (i.e., irrevocable trusts), people often fail to appreciate the power a trust...
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Monday, September 1, 2014
Social Security: “Prepare for your Someday”By Gregg Shaw – September 2014Each day, thousands of Americans apply for first time Social Security benefits. Unfortunately, due to the complexity of the...
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Friday, August 1, 2014
““I’ll gladly pay you Tuesday for a hamburger today”.”J. Wellington Wimpy By John Lui – August 2014E. C. Segar, the Great Depression Era cartoonist, who created Popeye, also gave us Wimpy...
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Tuesday, April 1, 2014
The second quarter of 2014 was a solid one for most asset classes.
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Saturday, March 1, 2014
BRICS as in Brazil, Russia, India, China and South Africa, which represented the fastest growing emerging markets over the last few decades,
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Saturday, March 1, 2014
Advisers worry about high-speed trading backlash from
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Friday, January 10, 2014
2013 Year in review - A look back at some of the market influencing events:
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Friday, December 20, 2013
As we prepare for the busy holiday season, year-end (2013) is quickly coming to a close. The 2013 federal tax code contains a large number of new items, with implications...
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Friday, November 1, 2013
In today’s environment, it is discouraging to go to the local bank and see the rates you will get on a 6 year CD (certificate of deposit) or one year CD. The website, Bankrate.com publishes the average yield on bank CDs.
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In today’s investment environment, portfolio managers are questioning the use of the traditional allocation of 60% in stocks and 40% in bonds.
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Friday, February 1, 2013
Advisory Fees: Can I Take a Tax Deduction?By Gregg Shaw – Feb 2013Now that tax season is in full swing and with less than one month to go until April 15th, taxpayers are looking for any deduction they may qualify for to reduce...
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Monday, January 7, 2013
All of us at CWM are extremely grateful for another successful year
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Sunday, December 30, 2012
Charitable Giving Strategies in an Uncertain Tax Environment
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It's not easy being a retiree in today's environment of low interest rate and
Read MorePresidential address captivates advisors
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Tuesday, February 1, 2011
Roth IRA's Clients are asking by Gregg Shaw - Febuary 1st
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