News & Events

Written by Justin Victor There are five components that make up our philosophy of strategic asset allocation, i.e., the appropriate mix of equity (stock) funds and fixed income (bond) funds in your portfolio. They include your risk tolerance, time horizon, spending, legal form and uniqueness. We use MoneyGuideProTM to analyze each component before recommending an […]

Behavioral studies about investing have always interested me. Perhaps it is the challenge of (or futility of) predicting the unpredictable, human behavior. All the studies I have read on the subject end up at the same place. Fear and greed rule! I would add another trait, that of overconfidence, which is born of pride. Fear, […]

Recently a client hesitantly asked me if HSC Wealth Advisors would be willing to work with his son and daughter-in-law. As I noticed his reluctance to ask, it occurred to me he probably wasn’t aware that HSC Wealth Advisors has been working with Generation X (Born: 1966-1976) and Generation Y (Born: 1977-1994) clients for years. In fact, many […]

All of our clients receive an investment education session that typically is over an hour in length. It is sort of a “rite of passage”. One important subject presented is how different types of mutual funds are better suited to be held in the various types of accounts the client might have. Much of this […]

Investing in Your Company’s Stock by Joe Eskridge If your company grants you the right to participate in an Employee Stock Purchase Plan (ESPP), your company has given you an option (the right but not the obligation) to purchase shares in company stock at fixed intervals. Generally you can accomplish this through payroll deduction. Your […]

I once had an 81 year old client who came to me with two annuities that he bought in his very own living room about 2 years before. It so happened that two salesmen had come to his home and convinced him that these were appropriate products in which to invest his IRA and regular […]

The “new normal” is a relatively new buzzword making its way around the financial services community. Generally, it is being used to foment the idea that equity returns are low and will remain low, perhaps forever. I think most of the noise about this subject is being made by bond fund managers, which, of course, […]

One of the more interesting myths in the investment world is that large financial institutions, with their access to mountains of data pored over by teams of staff economists, can determine where the markets are going and profit accordingly.  Gullible investors believe this even though, every year, we can go back to the confident predictions […]

In my professional reading there have been a number of investors/authors who are expressing opinions that asset allocation as we know it is dead. Doesn’t work anymore. Kaput. Most such articles are aimed at people who invest for a living. In case you have seen such an article or heard it on radio, TV or […]