Archive for April, 2015

First Quarter Review / Current Thoughts

The first quarter was a great reaffirmation that diversification can be your friend. US Large company indexes lagged, but middle and small companies did better. US Bonds did well (in general), as did international stocks. While diversification does not guarantee a positive return in a generally declining market, my experience is that it does tend to “buffer” some of the returns so you can stay with the plan that works for you. In my video, I review the past quarter and continue my theme about what I’m watching to come to a “health” conclusion on the markets. Okay, I’m still ... Read More

Mike Brady in the Wall Street Journal

There are few things as sweet as your first mention in the Wall Street Journal. March 10th was the day Mike Brady arrived in print! Since I was written up in the TheSuit Magazine, I’ve had a number of requests for interviews, expert quotes, and general articles about how I interact with clients. I provide distinction from others in my field in the relationships I build and how I focus on the “why”, vision, and goals. Activating your creative “right brain” is just as important as the logical “left brain”. I’ve been interviewed on this recently for a technical journal, ... Read More

Avoid Penalties on Your Required Minimum Distributions

I was recently asked by a news journalist my opinion on how to avoid penalties on your required minimum distributions. Of course, my first answer was to make sure you actually take them and problem solved! I think she was looking for more… I did in fact answer more seriously. Personally, I always watch over all my clients that are at least 70 years old (or have a beneficiary IRA) to calculate the requirement and ensure it’s taken care of. If you don’t adhere to the rules, the tax penalty is 50% of what you should have taken out, in ... Read More

Time Horizon

I’m a big believer that knowing your time horizon for investments is very important. Unfortunately, many investors, and definitely the media, live in the short term when in fact your needs are middle to long term. I read this interesting blog (link below) that really sums things up. The only important thing is the probability of reaching your goals over the time frame specific to you. A time frame super long (over 100 years) like some stock market charts is really irrelevant, as is a super short time frame, except to the degree it forces us off our personalized investment ... Read More

USB Mix Tape

I’m 46 years old, which means I grew up in the 1980s. One thing popular at that time was to make a “mix tape” with a dual cassette player/recorder. You could then give that tape to a friend. We thought we were so COOL! Today, we have iTunes, Spotify, satellite radio, etc. and no one makes mixed tapes anymore. Boo hoo! Well, I’ve got you covered. Now you can buy a USB drive that looks like a cassette so you can make that mix tape for your friend or loved one (or for yourself). Party on, and long live the ... 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.