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A Tax To Prepare For
(General/Articles)
... forward since starting in 2013, you might want to put higher turnover investments inside retirement plans and keep more of your index funds and municipal bonds in your taxable portfolio; those who can ...
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Is Buy-and-Hold Dead in 2010?
(General/Articles)
... to melt down in the fall of 2008, all equity assets (and some bonds) dropped in unison (for those of you who like investment-speak, correlations went to 1). Diversified portfolios cannot escape a seller's ...
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Our Process
(General/About)
... an Investment Policy Statement and ultimately designing an investment portfolio to help the client achieve their goals. Ongoing monitoring of the financial plan and investment portfolio involves annual ...
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How should I judge your performance?
(General/FAQ)
... of the next steps in your life, how much trust you put in us, and finally, the performance of your portfolio in relation to your goals. Our service should be judged on those elements which we can control; ...
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Can you show me how you have performed for your clients?
(General/FAQ)
Unfortunately, we are not able to show you a composite performance number because no one client is the same. We provide a different portfolio for each client so that he or she can meet their goals within ...
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Multiple Retirement Options
(General/Articles)
... into the stock market). I think this advice is too simplistic because there are many more options to consider before taking on more risk in a portfolio. Markets rise and markets fall so it is wiser to ...
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Fees
(General/About)
... portfolios with a minimum value of $250,000. initial comprehensive financial planning services are established at an hourly fee or on a project-oriented basis. Typical fees average $5,000, and can be ...
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Why BGM Wealth
(General/About)
... not pick the “hot" stock. Instead... we tailor an investment portfolio that fits the individual client and only that client. we consult academic research along with historical and statistical ...
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Meet The Team
(General/About)
... responsible for the individual client portfolios and is a member of the investment committee. When Jon joined the firm in 1999, he co-founded BGM Financial Resources, a sister company that provides insurance ...
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Buy Low, Sell High
(General/Articles)
... major right now). Market timing is less important than time in the market. Yet I would be foolish to argue that even our firm does not make changes to portfolios, and that is where systematic rebalancing ...
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Tax Planning
(General/Services)
... and fees meaningfully affect total portfolio return. We work closely with our accountants or an outside accountant with whom a client has an existing relationship. Throughout the year, we continuously ...
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Fixed Income Investing
(General/Services)
We believe that every portfolio benefits from a fixed income allocation, no matter what the investor’s age. Fixed income has a moderating effect in a down market. For those who need it, it can provide ...
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Wealth Management
(General/Services)
Boeckermann, Grafstrom & Mayer Wealth Management constructs portfolios that are diversified between equities, fixed income and cash. We encourage each client to have at least a small portion of his ...
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Buyer Beware
(General/Articles)
... portfolio that is built on today's emotion instead of a well thought-out policy. The last thing I am suggesting is to be so suspicious of everything you read or see that you become disengaged. Nor am ...
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Control What You Can in This Market
(General/Articles)
... you have already taken your RMDs for 2008, you cannot unwind them and do this instead. Keep this in mind, however, for 2009. Third, review your portfolio for any losses that you can use to offset gains. ...
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The Feel of This Market
(General/Articles)
... like this, discipline is the key. If you have a long-term strategy for your portfolio where there is enough cash and bonds to protect your income needs for the next few years, waiting this out will give ...
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You Get What You Don't Pay For
(General/Articles)
... then your return would be only 1.5%, or 25% less! In reality we see portfolios every day that have expenses much higher than that difference. There are many things you can do to reduce your costs, and ...
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Enough Annuities Already!
(General/Articles)
... paying out the next month for your lifetime can be helpful to any portfolio. An immediate annuity can act like an anchor, the fixed piece, to a long-term portfolio. Yet very few of our clients ever use ...
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Social Security in a Bubble
(General/Articles)
... But in a market like this some might want to take social security early so that they do not have to tap their portfolios as much, even if those Social Security benefits will be less. Yet I believe that ...
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When To Take Social Security
(General/Articles)
... the benefit is to allow the benefit to grow more than other assets in your portfolio can. For every year of delay, the benefit amount increases approximately 8%. In today’s volatile market, that is a ...