Posted by Brian Ephraim on Mon, 07/26/2021 - 16:56
If there is one constant with investing it is that there is always something to worry about. More specifically, there are always concerning headlines, economic challenges, and fears about the future. This is exacerbated by the financial media. Whether times are good or bad, the media seems to only portray things negatively. Despite all of this, equity markets have performed very well, and patient investors have been rewarded accordingly.
Now to segue to the real topic of this essay: Market Declines
Posted by Brian Ephraim on Wed, 05/26/2021 - 14:25
No, I am not retiring! I already did so in September of 2018 when I transitioned my practice to Guided Path Wealth Management. Allow me to explain…
One Year Later...
Posted by Brian Ephraim on Fri, 04/16/2021 - 17:19
We recently passed the one year anniversary of COVID being recognized as a global pandemic. As it relates to the markets and investing, I thought it might be interesting to pause and reflect on what happened over the past year and what lessons we can learn going forward.
A Persistent Forecast for 2021
Posted by Brian Ephraim on Fri, 02/12/2021 - 13:27
Persistent (def) - continuing to exist or endure over a prolonged period
You may have noticed that a new year tends to bring with it a media bombardment of “expert” forecasts of what we can expect in the forthcoming year. Nowhere is this more prevalent than in the financial media as it relates to Wall Street.
Posted by Brian Ephraim on Fri, 12/11/2020 - 09:50
Given the journey we have endured in 2020, the next twelve months will be an especially interesting time. There is hope, but there is still much unknown. Let’s mind travel to December 2021. Next year at this time, we may look back and say, “Of course, how did I miss that”? This activity of jumping forward to look back is known as prospective hindsight.
Posted by Brian Ephraim on Fri, 11/20/2020 - 09:51
Tis the season of gratitude. Thanksgiving is perhaps one of the most underappreciated holidays, but at the same time, one of the most needed. Given the year we have endured it may be difficult to be naturally thankful. This year, more so than any other in recent memory, may require us to purposefully seek to be grateful.
There are so many things beyond our individual control – the virus, a vaccine, politics, the media and the stock market to name a few.
Wildfire Preparation and Insurance Tips
Posted by Brian Ephraim on Fri, 10/30/2020 - 10:52
One of the many benefits of my involvement with the Financial Planning Association are the research and learning opportunities. The FPA’s forthcoming quarterly education meeting will include a session entitled Current Events & Insurance: California Fires, Working from Home, and Earthquakes. We reached out to the professional that will be presenting the session and asked him to share some important tips in light of the current and recent wildfires affecting California. I thought you might find this to be informative and helpful.
Uncertainty, Outcomes & Our Decisions
Posted by Brian Ephraim on Sat, 10/17/2020 - 11:10
Behavioral economics is a rapidly growing field of study. A component of this, behavioral finance, is a primary area of focus in the academic circles of the financial planning profession. As such, I thought you might find this interesting.
The Election is Right Around the Corner...
Posted by Brian Ephraim on Fri, 09/18/2020 - 14:07
It has been an unusual election year in that a concurrent story has dominated the headlines thus far. Nonetheless, as you are all aware the 2020 election is right around the corner. As such, we know the campaigns will be ramping up quickly and will be, by design, targeting our emotions. As such, I wanted to share some important points to consider:
The Forthcoming Election...
Posted by Brian Ephraim on Mon, 08/17/2020 - 11:18
With the COVID pandemic dominating the headlines over the last 6 months, the U.S. presidential election news coverage has been quite limited compared to a typical election year. Nonetheless, the 2020 election is indeed just around the corner and will undoubtedly be accompanied with much speculation about how the outcome will affect the financial markets. As such, I wanted to share with you the attached commentary authored by Commonwealth’s managing principal and CIO, Brad McMillan. Brad is very effective at distilling these types of matters with brevity and perspective. I hope you find this to be a good read.
As always, my team and I are here and available to discuss any questions or concerns you may have.