Investing

Standard Deviation

by Craig Moser on December 14, 2018

Measuring gains and/or losses on investments begins when you purchase the investment. Also known as the reference point, the impact going forward shows investment returns aren’t in a straight line. So how do we measure, and what should we expect?  […]

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The Initial Public Offering (IPO)

by Craig Moser on November 2, 2018

You have probably heard the term initial public offering, or IPO.  You probably know it’s a process that allows private companies to become public and sell shares in their firm.  But beyond that basic overview, do you understand IPOs?   Do […]

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A Second Look at CDs

by Craig Moser on September 7, 2018

If you have some cash to invest, you may be trying to figure out where to put it. In recent years, choices have primarily been low-risk investments with near 0% interest rates, or higher risk investments hoping for a higher […]

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The Significance of an Inverted Yield Curve

by Craig Moser on August 10, 2018

An inverted yield curve occurs when short-term bonds yield less than long-term bonds.  It’s unusual because that’s exactly opposite of what normally occurs in the bond market.  It’s significant because it predicts a recession.  Being able to identify an inverted […]

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Potholes in Your Road to Retirement

by Craig Moser on May 4, 2018

Hopefully you know about the potholes in your road to retirement.  As a Certified Financial Planner, I’ve help get hundreds of people on the road to retirement.  I consistently see overlooked potholes that significantly impact your ability to achieve a […]

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Writing Covered Calls

by Craig Moser on February 9, 2018

“Writing covered calls” is a term many outside the financial industry don’t understand.  Simply put, it’s a strategy to produce income by writing (selling) options against shares of stock you currently own.  Typically, you sell one contract for every 100 […]

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Passive Investing

by Craig Moser on January 26, 2018

When you look at the past 5 years, you see an increase in “passive investing”.  In 2017 alone it has gone up over 500 Billion dollars.  Passive investing is appealing due to lower costs.  There isn’t a person making buy or […]

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Once-Per-Year Rollover Rule Exceptions

by on September 22, 2017

As with most IRA rules, there are exceptions to the once-per-year rollover rule.  The rule applies to IRA-to-IRA and Roth-to-Roth 60-day rollovers.  Just to be clear, an IRA rollover occurs when a check is issued from the IRA or Roth […]

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Indexes or Humans: Your Investment Boat

by Craig Moser on September 8, 2017

The decision to use indexes or human managers depends on whether you want a rudder on your investment boat.  Unlike the current headlines tout, good risk-adjusted returns don’t simply depend on low investment fees.  They also depend on sensible risk […]

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