Manager Commentary – Q3 2018

Posted by on Aug 24, 2018 in General | Comments Off on Manager Commentary – Q3 2018

Outlook and Perspective – a summary of our market outlook and current portfolio positioning. Please see the following PDF: Mgr Commentary Q32018

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College Planning Seminar

Posted by on Apr 5, 2018 in Uncategorized | Comments Off on College Planning Seminar

Join us for a College Planning Seminar! Hosted by David Douglass and Roshan Prakash 3807 General Electric Road, Suite #2, Bloomington, IL Two opportunities to attend: Thursday, April 26 from 7:00-8:30pm or Sunday, April 29 from 2:00 – 3:30pm. We will have some spring beverages and treats available to enjoy. RSVP by April 22 to susan.strubhar@cambridge or call David Douglass at...

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Tax Cuts and Jobs Act of 2017

Posted by on Mar 21, 2018 in Freedom | Comments Off on Tax Cuts and Jobs Act of 2017

With the recent passage last year of the new federal tax law (Tax Cuts and Jobs Act of 2017) we thought it would be useful to provide you with a couple links to articles and websites that we feel do a good job of summarizing some of the key components of the new law.   2017 Tax Reform A review and analysis of key highlights from the Advanced Consulting Group of Nationwide®   6 things investors need to know about the new tax plan  ...

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Risk…When Is Zero Not Really Zero?

Posted by on Mar 21, 2018 in Confidence | Comments Off on Risk…When Is Zero Not Really Zero?

A few years ago, on the heels of the financial crisis of 2008-2009, I had the pleasure of attending a conference where renowned financial author, Nick Murray, was speaking.  I still remember the core of his message:  he was concerned that, due to the scars of the huge stock market meltdown, many investors were going to become solely focused on safety of principal and, in doing so, completely and regrettably forget about the risk of inflation.  In short, he was witnessing people, in the interest of feeling better temporarily, moving all of their money into 1, 2 or 3% CDs (or even burying it in the backyard) and vowing never to go back into the markets again—all the while forgetting that if inflation went back up to 3-4% (as we know it historically often does), their real return would then become negative. So, while we have been in an unprecedented period of very tame inflation, we always want to make sure that our clients understand the risk that comes with over-allocating to so-called “no risk” assets.  Of course, there is no substitute for secured deposits for funds that are going to be needed for near-term and sometimes even mid-term expenses.  But for longer-term funds, a well-designed investment portfolio will go a long way to offset the erosion of purchasing power that inflation can cause.  And with life expectancies on the rise, the need to at least keep up with inflation becomes an even more important factor to consider as we do our planning. Up next:  Timing...

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Electronic Investment Statements and E-Newsletter

Posted by on Sep 30, 2015 in Simplicity | Comments Off on Electronic Investment Statements and E-Newsletter

As the amount of information that we receive continues to increase instead of decrease, we wanted to remind you that your investment information is available electronically. is the place where you can view most of your accounts that are either held or serviced by our firm—in one place. We believe this is another way to simplify your financial planning and reduce paper clutter. We also offer an electronic version of this quarterly newsletter. If you would like to skip the paper copy of the newsletter or get signed up for online investment account information, a phone call to our office is all it takes. Call Susan at (815)...

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4 Retiree To-Dos in a Turbulent Market

Posted by on Sep 30, 2015 in Confidence | Comments Off on 4 Retiree To-Dos in a Turbulent Market

1.) Check your liquid reserves. Setting one to two years of living expenses aside in true cash instruments allows you more confidence in letting your long-term portfolio do what it’s going to do. 2.) Look at your allocation plan. Look at how your portfolio is allocated across cash and bonds and stocks. Being well diversified will be the main determinant of how your portfolio behaves. 3.) Consider your withdrawal strategy. A turbulent market is a good time to consider your withdrawal strategy and what you are spending money on. There could be areas to pull back your spending during tough markets. 4.) Mind the small stuff. Take a look at all of your investment related expenses, mind your transaction costs, and if you’re paying commissions to trade, don’t trade more than you need to. Learn more at: (Source...

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Volunteerism and Mentorship

Posted by on Sep 30, 2015 in Freedom | Comments Off on Volunteerism and Mentorship

When we talk about having freedom in our lives, we believe this includes having the freedom in our schedules to give our time, talents and resources, to the people, projects and organizations we care about. Dave, has taken on the role of mentoring a young man through Big Brothers and Big Sisters of Central Illinois. According to BBBS, only one out of ten new volunteers that enroll as a “Big” is male, while the majority of children applying to be partnered with a mentor are boys being raised by a single female parent. These youngsters are ready and waiting for a man to step into this role. Being a big brother requires no special skills – just a desire to make a difference. Call Dave to more about BBBS mentorship or visit...

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Our clients are on the move!

Posted by on Jun 22, 2015 in Freedom | Comments Off on Our clients are on the move!

Over the past year, we have been thrilled to have many clients make transitions to new homes across the country. While moving sometimes takes clients farther away from us, we are excited for them to start this new phase of their lives. We have every confidence that we will find ways to continue to work effectively together. That is what we are here for—to help you walk through big decisions. We are always only a phone call away. And for those of you that are staying put, just another reminder that now is the ideal time to think about refinancing your mortgage if you haven’t already done so in the past few years. Take advantage of this historic opportunity to lock in low long-term rates.  Call us at (815) 842-4393 if you want to...

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5 Retirement Tips to Trust

Posted by on Jun 22, 2015 in Confidence | Comments Off on 5 Retirement Tips to Trust

Wait for Social Security. If you can afford to, wait until you’re 70.  For every year you wait after age 62, your benefits increase by about 8%. Do a budget, hire a financial planner, get a retirement plan. Once you have found an advisor you trust, they will have you do a budget, and get you and your spouse to sit and discuss your shared vision for retirement. Do not retire without a plan. Don’t retire without knowing what you will be doing for the rest of your life. Even those who thought they would love to play golf every day often get bored within six months. It’s never too late to start saving. Most of us have not saved enough and must adjust our way of thinking about retirement. The longer you work, this helps you build savings and keeps you from drawing down the savings you do have. Don’t be afraid of the stock market. Besides people not saving for retirement, one of the biggest mistakes clients make could be being too conservative with their investments. The impact can be huge over a lifetime of saving. Read more at: (Source...

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Introducing Susan Strubhar

Posted by on Jun 22, 2015 in Simplicity | Comments Off on Introducing Susan Strubhar

You may have noticed a new voice answering the phone. We would like to introduce the newest addition to our team: Susan Strubhar, our Client Services Manager. We have asked Susan to make sure that everything we do is focused on meeting our clients’ expectations and building strong relationships. As part of that, we want communicate with you in the most effective way possible. If you would like us to have your email or cell phone on file and use that as your preferred contact method, let us know. In addition, if you have any change to your information, Susan can help you get everything updated with the different investment/product companies. Call Susan at (815)...

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