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The Year So Far and Expectations Going Forward
There has been a little market volatility so far this year, due mostly to some major snowstorms and tensions with Russia. But if you have just awoken for the first time this year, it would seem like nothing much had happened marketwise since the end of 2013. After the big stock market run up last year it shouldn’t be too surprising if things took a breather for a bit while investors reassessed expectations for the coming year. Your CWM team expects that market performance, at least in the near term, should continue to be positive for investors. Read more »
2013 IRA Contributions
A few reminders regarding your 2013 IRA contributions. Read more »
Why it’s a Good Idea to Buy Bad Assets, and a Bad Idea to Buy into the January Effect Theory
Much is being made over the poor stock market performance in January, especially in the emerging market (EM) space. This beckons the question as to whether this is a bad omen for the rest of the year or is an opportunity for savvy investors. As always, we have taken a deep look at these ideas and have compiled a considerable amount of data to help inform our decision making process. Read more »
2013 Tax Time Checklist
Read this before you file your taxes! We've compiled this list and descriptions of the documents you or your CPA will need to prepare your 2013 taxes with respect to your CWM managed accounts. Read more »
2014: Continuing Opportunity or Batten the Hatches
Over the past few months, we have documented our belief that the equities markets may have more room to run. However, whenever large run ups in value have occurred, there is always the danger that a correction is in the offing. Why? Fear is more motivating than greed for most people and the events of the 21st Century to date have made everyone gun-shy. In effect, what goes up may (and probably will) go down, and fear usually drives the market down in a steeper dive than the ascension of the market on the upside. Read more »
Guess This Team Member 5
Welcome to a fun series, designed to help you get to know our team members better. We invite you to "Guess this Team Member"! Read more »
Stock Markets Rallied BIG TIME in 2013! Does That Mean we are in a Bubble and Due for a Crash?
It’s no secret that most global stock markets have performed very well throughout this year. While this has been a lot of fun for all those invested, it does bring on the questions: “have stock values gone beyond reasonable levels” and, “should we begin repositioning accounts for an eventual downturn?” The current bearish arguments seem to be that the market cannot possibly have another positive year after having a year like 2013; markets have already rallied significantly over a long period of time since the 2009 bottom, valuations are expensive, and economic fundamentals do not support a continuation of the current trend. When considering investment related questions like these, it is usually useful to refer to past experiences to help give meaning to present events. Read more »
Holiday Recipe: Pecan Pie
This years’ holiday recipe comes from CWM's Ashley Doedens. Ashley is an avid CrossFitter and health-food enthusiast, so we were excited when she shared with us her healthy(-ier) version of a holiday classic, pecan pie! Read more »
Are Bonds a Dangerous Investment?
Many people are becoming worried about bond related assets, due mainly to the media regularly discussing how we have entered a rising rate environment, which they forecast to be horrible for bond investors. Before we all panic and sell out of our bond holdings, let’s consider the historical perspective. Read more »
Perspectives
We have all read and heard about the all-time highs in the market. Now, we are hearing that the market is frothy and may be due for a tumble. Is it? Let’s look at the realities since the 21st Century began. A Growth portfolio is generally thought of as 80% stocks and 20% bonds/cash. CWM defines it as a ”real person’s diversified portfolio”. It is dangerous to put all your eggs in one basket and we need to diversify thoroughly for protection. Read more »
Teaching Kids to Give Back
There is more to life than money. One of the most common concerns we hear from clients revolves around their children and grandchildren not learning the importance of building a strong community and all the hard individual effort needed. Read more »
Guess This Team Member 4
Welcome to a fun series, designed to help you get to know our team members better. We invite you to "Guess this Team Member"! Read more »
The President Can Worry About Syria
The Syrian Civil War and whether or not the U.S. is going to become involved has been a major headline for weeks now. On the off chance people are tired of reading about that, we are going to cover completely different topics and not discuss Syria at all! Of more immediate investment importance is the steep bond sell-off that has occurred, how rising borrowing rates may affect the real estate market, and whether or not stocks are getting expensive. Read more »
The Markets - Ready to Tumble or Rumble?
Everyone is hearing and seeing the sound and print bytes trumpeting the highs in the markets which makes those with short-term fixations assume that the market is making (or has made) a lot of money for investors. With that in mind, let’s review the realities. Read more »
Guess this Team Member 3
Welcome to a fun series, designed to help you get to know our team members better. We invite you to "Guess this Team Member"! Read more »
Everything Looks Good at the Moment… Except Detroit
Plenty of interesting things have happened in the world since I wrote my last newsletter two months ago; the most recent event being Detroit’s bankruptcy. Despite Detroit’s negative announcement, most other economic news looks good at the moment. Most real estate market reports show this sector of the economy should continue to benefit from increasing demand, companies continue to post high profit and low debt numbers, and even the selloff in bonds this year is a positive in our opinion. Read more »
Guess this Team Member: 2
Welcome to a fun new series, designed to help you get to know our team members better. We invite you to "Guess this Team Member"! Read more »
Mid 2013 Outlook
The market has been on a steep upward slant this year and, just lately, has shown some negative volatility. Is there cause for large concern? Our answer is no. When markets climb steadily higher, there must be a correction as volumes can overheat and the market become overbought. As long as the correction is contained and the underlying economic metrics remain positive, we stay the course. Read more »
The Government Deficit is Shrinking and Other Shocking News
Markets have continued to climb over the last month, adding fresh gains to an already impressive run over the last year. This begs the question, ”How much farther can this go?” At this point market valuations still seem relatively cheap to some historical comparisons and an improving government fiscal situation is adding some wind to the market sails. There are some storm clouds on the horizon however as the Federal Reserve seems to be considering cutting back on its easy money policies, potentially creating a rising-rate environment. Fed policies have supported stock markets over the last few years and kept borrowing rates low. While we are concerned about the long-term effect that an eventual rising-rate environment will have on markets, we do expect things to continue to be positive for market valuations over the next year or so. Read more »
Scary Headlines Continue to Stalk an Otherwise Strong Stock Market
Explosions in Boston, economic implosions in Europe, continued political nonsense in D.C., and similar headlines continue to fill newsstands and newsfeeds. While all of these items should not be brushed aside, they should be briefly reviewed and moved on from in order to avoid getting caught up in the drama. These events are overshadowing the good economic news, especially domestically, and unnecessarily stoke investor’s fears. As the data in this article will show, there are plenty of reasons to be optimistic right now. Read more »
Guess this Team Member: 1
Welcome to a fun new series, designed to help you get to know our team members better. We invite you to "Guess this Team Member"! Read more »
Balance Sheet Blues
As I write this, the DJIA is barely off record highs. At the same time, Cyprus has now become the new EURO poster child and you can expect to become bombarded with commentary about how the Russians are laundering money through Cyprus, and the potential of taxing deposits at commercial banks in order to rescue the Cypriot economy. In one fell swoop, the Russians will be punished and Germany will not have to rush to the rescue again. As you may imagine, anyone with money in a Cypriot bank is not enthused, and money is moving out of the banks as fast as the ATMs will run. Can anyone say Greece? Read more »
Good Economic Data and Cheap Stock Valuations Continue to Soothe Politically Inflicted Headaches
We have so far survived the fiscal cliff, the debt ceiling, and now it’s on to debating sequestration. Markets have managed to dodge these political bullets so far, partially because of the continual last-minute fixes passed by the politicians, but also because of the economic underlying strength of the economy. This strength has enabled markets to view the political wrangling as mostly the noise that it is. While politics continues to cause some headaches, current CWM account positioning has been validated as more positive economic data comes in, equity valuations remain cheap, and bond assets continue to look expensive. Read more »
2012 Tax Time Checklist
Read This Before You File! We've compiled this list and descriptions of the documents you or your CPA will need to prepare your 2012 taxes with respect to your CWM managed accounts. Read more »
Markets Strong Despite Political Headwinds
Political mischief continues to plague the stock markets causing unnecessary stock volatility in an economy that otherwise has every sign of growth and recovery. This month we will review the pressing matters occurring in our nation’s capital, new consumer debt and unemployment data, and what early market strength might mean for this year’s market outcome. Let’s dive right in. Read more »

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