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Our Mission
- To give you more confidence about your financial life

- To rehabilitate your investment strategy using the last fifty years

   of  academic (not Wall Street) research

- To be completely transparent

- We believe that controlling risk is as important as seeking returns.
 

 

What We Do
- Coordinate your financial affairs
- Manage your money based on science guided by the art of financial planning

- Help define your goals - College - Retirement - Asset Protection - Charity - Estate Planning
- Assist you in the implementation of strategies to reach your goals
- Negotiate insurance that fits into your financial plan
- Pension plan design to maximize your contributions
- Monitor your progression to keep you on track to meet your goals
- Disclose fees and expenses so you know what you are paying (many investors

   aren't sure what they are paying)

 

Questions To Ask Yourself
- What proven investment strategy are you currently using?
- What are you currently paying for your investments?

- How does your current investment strategy manage risk?

 

- Is planning your future important to you?
- How much of who you are today did you plan for in the past?
- How much time do you devote to planning? 
- What is most important to you?
- Who or what do you care about more than yourself?
- What are your goals? 
- What impact do you want to have on your children?
- What do you want them to say about you? 
- How do you make decisions?
- Who else besides you helps make your financial decisions?
- Who are your key advisors?

 

Change your perceptions on investing. Listen to a presentation on why we use a passive, market-based investment philosphy - Click Here to Listen

 

 

 

Market Week: May 14, 2012

The Markets

Once again, problems in Greece meant problems for equities. For a change, the small-cap Russell 2000 and the Nasdaq suffered the least, though both have now lost more than 6% since their late March high. Uncertainty about the future of the eurozone's financial compact helped push the yield on the 10-year U.S. Treasury note to levels last seen in January. Meanwhile, oil prices continued to sink toward $95 a barrel, while gold plunged below $1,600 an ounce.

 

Market/Index 2011 Close Prior Week As of 5/11 Week Change YTD Change
DJIA 12217.56 13038.27 12820.60 -1.67% 4.94%
Nasdaq 2605.15 2956.34 2933.62 -.77% 12.61%
S&P 500 1257.60 1369.10 1353.39 -1.15% 7.62%
Russell 2000 740.92 791.84 790.06 -.22% 6.63%
Global Dow 1801.60 1893.39 1853.93 -2.08% 2.90%
Fed. Funds .25% .25% .25% 0 bps 0 bps
10-year Treasuries 1.89% 1.91% 1.84% -7 bps -5 bps

Equities data reflect price changes, not total return.

 

 

Last Week's Headlines

  • Neither far-right nor far-left parties, who gained power in Greece's recent elections because of opposition to austerity measures imposed by the country's European partners, were able to form a coalition government. As a result, the eurozone's bailout fund held back €1 billion of an aid package due last Thursday, though it agreed to pay out €4.2 billion so Greece could meet immediate obligations. The situation increased uncertainty about Greece's future in the eurozone if no coalition government is formed or if a new government rejects budget cuts needed to meet eurozone guidelines.
  • Bankia, which is one of Spain's largest banks and has suffered from bad loans made to real estate developers, will receive a bailout from the Spanish government, much as banks in the United States did during the 2008 financial crisis. The government said it will take a 45% stake in the bank as part of its efforts to overhaul the country's overall banking system.
  • The Federal Reserve said use of consumer credit increased 7.75% in the first quarter of the year. Almost all of the increase came in nonrevolving debt such as loans for autos, education, boats, and mobile homes.
  • Wholesale prices fell 0.2% in April, marking the seventh straight month in which price increases have slowed. The Bureau of Labor Statistics said that put the year-over-year wholesale inflation rate at 1.9%.
  • Strong U.S. exports in March couldn't keep up with higher oil costs and imports of Chinese goods, according to the Bureau of Economic Analysis. As a result, the trade deficit saw a dramatic 14.1% increase in March as exports rose nearly 3% while imports were up more than 5%.
  • The Treasury Department said a combination of higher tax receipts and less spending on Medicare, education, and defense led to the federal government's first monthly budget surplus since September 2008. Nevertheless, the Treasury still projects an annual deficit this fiscal year of more than $1 trillion.
  • J.P. Morgan Chase announced that trading in credit derivatives that were intended to hedge the bank's investment risk had cost it roughly $2 billion in paper losses.

 

 

Eye on the Week Ahead

Greece's struggles to form a government will continue to command attention; a new election will be scheduled for June if no agreement is reached. Also on tap is a scheduled Tuesday meeting between newly elected French President François Hollande and German Chancellor Angela Merkel. European growth data is due Tuesday, while manufacturing and retail sales data throughout the week will suggest the state of the U.S. economy.

Key dates and data releases: consumer inflation, retail sales, international capital flows, business inventories, Empire State manufacturing survey (5/15); Federal Open Market Committee minutes, housing starts, industrial production (5/16); Philadelphia Fed manufacturing survey (5/17); options expiration (5/18).

Data sources: Includes data provided by Brounes & Associates. All information is based on sources deemed reliable, but no warranty or guarantee is made as to its accuracy or completeness. Neither the information nor any opinion expressed herein constitutes a solicitation for the purchase or sale of any securities, and should not be relied on as financial advice. Past performance is no guarantee of future results.

The Dow Jones Industrial Average (DJIA) is a price-weighted index composed of 30 widely traded blue-chip U.S. common stocks. The S&P 500 is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. The NASDAQ Composite Index is a market-value weighted index of all common stocks listed on the NASDAQ stock exchange. The Russell 2000 is a market-cap weighted index composed of 2000 U.S. small-cap common stocks. The Global Dow is an equally weighted index of 150 widely traded blue-chip common stocks worldwide. Market indexes listed are unmanaged and are not available for direct investment.

 
Refer a friend To find out more click here
Securities and Investment Advisory Services offered through NFP Securities, Inc., Member FINRA/SIPC. NFP Securities, Inc. is not affiliated with Regan Financial Group. NFP Securities, Inc. does not offer tax or legal advice. CA insurance license 0B07171.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2012.

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