Archive for April, 2013

The Quarter in Review and Unintended Consequences

The first quarter was a strong quarter, particularly for the unmanaged US stock market indexes. But what is going on in Europe? What might the unintended consequences be of the Cypriot banking issues? I talk about all of this in my video, so I highly encourage you to take a few minutes and listen to my thoughts.    Graphs referenced in the video: Full Graphs Transcript: Good morning. Mike Brady with Generosity Wealth Management, a comprehensive full service wealth management firm here in Boulder, Colorado, and I am so pleased to talk with you this morning because we’re going to ... Read More

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ADV and Privacy Notices

At least once a year I update my Form ADV with the State of Colorado. What is that you ask? It’s a form and brochure that describes what Generosity Wealth Management is, who I am, and how we do business. If you would like a copy, please click on the link below. For your reading pleasure, I also have included links to my privacy notices. How exciting is all that? Form ADV Privacy Notice – Cambridge Investment Research Privacy Notice – Generosity Wealth Management   Read More

Plan Conservatively When it Comes to Social Security

One of the advantages of having a retirement plan is that you start to understand where your sources of income will be upon retirement, and how much. Unfortunately, there is a perception by many Americans that Social Security will be a bedrock of their retirement, when in fact it is just a complement, and usually a small one at that. According to the Congressional Budget Office, someone retiring at 65 today will receive 43% of his/her annual income from Social Security. Where does the rest come from? Your investments and savings, additional job, or significantly reduced standard of living. Which ... Read More

Shred Your Papers!

Not only is it good for protecting your identity, but shredding papers is a lot of fun!  I’ve rented a shredding truck for Saturday April 20th from 1pm to 4pm, and you’re invited!  Come, shred, recycle, and have some refreshments. Cassidy and I would love to see you! Shredding Day Invitation     Read More

Hovercraft Golf Cart

Forget all those things I write about in my newsletter that I say I want for Christmas or my birthday. I’ll pass on all of them if I can have this Hovercraft Golf Cart. Seriously, how much fun does this look like? Read More

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The Dow Jones Industrial Average is an unmanaged, price-weighted index of 30 large capitalization stocks with dividends reinvested.

The Standard & Poor’s 500 Index (“S&P 500”) is an unmanaged, market capitalization weighted index of 500 widely held stocks, with dividends reinvested, and is often used as a proxy for the stock market.

The Nasdaq Composite is an unmanaged, market capitalization weighted index of stocks listed on the Nasdaq Stock Exchange, and are reported as price return without reinvestment of dividends.

Indexes are often used as a proxy for the stock market and cannot be invested in directly.