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Our 90-minute Discovery Meeting has five elements and is the perfect pre-work for financial planning. Start here, then follow the series through each one.
Start the series →If the first quarter was a reminder that diversification protects you on the way down, the second quarter was a reminder that it rewards you on the way up. It was a broadly strong three months, and…
Content courtesy of Dimensional Fund Advisors. The author is Wes Crill, PhD, Senior Client Solutions Director and Vice President. Irregular rebalancing often causes style drift in…
Content courtesy of Dimensional Fund Advisors. The author is Wes Crill, PhD, Senior Client Solutions Director and Vice President. Many of the trends in markets that investors find…
Content courtesy of Dimensional Fund Advisors. The author is Wes Crill, PhD, Senior Client Solutions Director and Vice President. 2026 hasn’t helped support the common belief that…
There’s a piece of retirement advice that sounds wise and is mostly wrong: “You’ll need income, so load up on the highest-dividend stocks you can find.” It feels right. The…
Content courtesy of Geiger Law, contact information at the end of this post. With the rise of AI tools and online templates, it’s becoming increasingly common for individuals to…
Content courtesy of Ary Rosenbaum, Esq., of The Rosenbaum Law Firm P.C. Learn more at therosenbaumlawfirm.com. Eligibility and entry dates in 401(k) plans should be among the…
Content courtesy of Dimensional Fund Advisors. The author is Wes Crill, PhD, Senior Client Solutions Director and Vice President. Market prices reflect what investors expect to…
Content courtesy of Ary Rosenbaum, Esq., of The Rosenbaum Law Firm P.C. Learn more at therosenbaumlawfirm.com. I’ve been around this business long enough to know that not every…
Content courtesy of Geiger Law, contact information at the end of this post. One of the most surprising realities in California estate planning is this, even though inheritances…
Content courtesy of Dimensional Fund Advisors. The author is Wes Crill, PhD, Senior Client Solutions Director and Vice President. I’ve said many times in this space that the…
Think about how the medical field treats data. Before a new drug reaches your pharmacy, or a new implant reaches an operating room, somebody had to prove it works. Not with a good…
If you run a small business and you’ve put off offering a retirement plan because it felt like an expense you couldn’t justify, the math has quietly changed. Over the past few…
Content courtesy of Dimensional Fund Advisors. The author is Wes Crill, PhD, Senior Client Solutions Director and Vice President. When I started at Dimensional back in 2010,…
Content courtesy of Dimensional Fund Advisors. Some investors may worry about the stock market sinking after a recession is officially announced. But history shows that markets…
Content courtesy of Dimensional Fund Advisors. The author is Isabelle Williams, Deputy Head of Investment Solutions. With the April 15 “Tax Day” just behind us, it’s a timely…
Content courtesy of Dimensional Fund Advisors. The author is Kevin Green, PhD, Head of Investment Solutions Thought Leadership. The NBA playoffs are in full swing, and it’s…
Bailey with Winnie in her mouth and her basket of toy treasures next to her, Geoff the Giraffe on top. Bailey and the…
Last May, a mother in Missoula, Montana picked up the phone and heard her daughter's voice. Crying. "I know her scared cry," she said later. She nearly wired thousands of dollars…
Content courtesy of Dimensional Fund Advisors. Author is Wes Crill, PhD, Senior Client Solutions Director and Vice President. US inflation is back in the news this week, as the…
Content is courtesy of Dimensional Fund Advisors. Author is David Booth, Founder and Chairman. This year marks a milestone that most people won’t notice, even though it helped…
Lately, semiconductor stocks have been hot. That caught my attention—I spent years in that industry helping build wafer fabrication facilities in Austin, Texas, and traveling to…
The market response to the recent geopolitical developments in Iran has, so far, been relatively muted compared to similar events in the past. That said, these situations often…
Every year Dimensional Fund Advisors (DFA) produces a huge study of Mutual Funds and ETFs call the Fund Landscape. The entire report is available here and I am going to save you a…
Content courtesy of Dimensional Fund Advisors. Author is Wes Crill, PhD, Senior Client Solutions Director and Vice President. Wars such as the one unfolding in Iran currently are…
Content courtesy of Schwab and applies to the industry. Investment scammers are getting more savvy and increasingly personal. They may pose as investment professionals, leaders of…
This blog post is overdue. It has been on my (human) mind for quite some time. And yes — appropriately — I am using AI to assist with this Blog Post. The question I keep hearing…
Content courtesy of attorney Rod Hatley, https://hatleylawgroup.com/, (858) 465-8001 As we head towards the start of a new year, we are all presented with the perfect opportunity…
Content courtesy of Hatley Law Group APC. Author is Rod Hatley. The post can be seen on Hatley Law Group APC website here . Being named as a successor trustee carries serious…
Content courtesy of Dimensional Fund Advisors. Author is Wes Crill, PhD, Senior Client Solutions Director and Vice President. Some investors may view gold as a risk management…
Content courtesy of Dimensional Fund Advisors. Authors are Karen Umland, Senior Investment Director and Vice President, and Ashley Cruz, Senior Investment Strategist and Vice…
Content courtesy of Dimensional Fund Advisors. Author is Wes Crill, PhD, Senior Client Solutions Director and Vice President. I was on holiday during the stock market’s recent ups…
Content courtesy of Dimensional Fund Advisors. Author is Wes Crill, PhD, Senior Client Solutions Director and Vice President. Financial pundits continue to vacillate on the…
It was a great year in the stock market in the third quarter of 2025. You can see below that the US stocks as a whole rose over 8%, emerging markets were a star at over 10%. And…
This content courtesy of Geiger Law Group. They can be reached at 760-448-2220 or a the website here . Starting January 1, 2026, California will reinstate the Medi-Cal asset test…
Content courtesy of Geiger Law at 760-448-2220 or www.geigerlawoffice.com/contact.cfm. When iconic singer and entrepreneur Jimmy Buffett passed away in 2023, he left behind more…
Content courtesy of Dimensional Fund Advisors. Author is Matt Lipps, CFA, Investment Strategist. Nvidia, at more than $4 trillion in market capitalization, is the largest stock to…
Content is courtesy of Geiger Law Office. They can be reached at 760-448-2220 or visit them online at www.geigerlawoffice.com/contact.cfm. Starting April 1, 2025, California…
Content courtesy of Dimensional Fund Advisors. Author is Wes Crill, PhD, Senior Client Solutions Director and Vice President. Everyone knows it’s ill-advised to go grocery…
Content courtesy of Geiger Law at 760-448-2220 or www.geigerlawoffice.com/contact.cfm. A Retirement Protector Trust™ (also commonly known as a Retirement Plan Trust) is a…
Content courtesy of Dimensional Fund Advisors. Authors are Wes Crill, PhD Senior Client Solutions Director and Vice President and Kevin Green, PhD Head of Investment Solutions…
Read →Content courtesy of Dimensional Fund Advisors. Investors may worry about the impact of interest rate changes by the Federal Reserve. But it’s important to understand that the…
Content courtesy of Vanguard. In a move to preserve key elements of the 2017 Tax Cuts and Jobs Act (TCJA), as well as introduce new tax policies, lawmakers passed a new piece of…
Content courtesy of Dimensional Fund Advisors. Author: Wes Crill, PhD Senior Client Solutions Director and Vice President Stocks turned up the volatility to 11 in April. (Footnote…
Content courtesy of Dimensional Fund Advisors. Do periods of higher inflation spell bad news for stock investors? Not according to history. Since 1950, stocks have beat the annual…
Content courtesy of Geiger Law, contact information at the end of this post. Trust administration is a crucial component of estate planning, ensuring that your assets are properly…
Content courtesy of Highland Investment Advisors’ Managing Director Adam Drake. Market Performance Want to dive in? See our full 16-page Quarterly Market Review here . The US…
Read →Content courtesy of Geiger Law, contact info at the end of the post. When reviewing a new or existing client’s estate, I’m often presented with the situation of my client owning a…
KEY TAKEAWAYS With a stark shift in US tariff policy announced on April 2 and ongoing responses worldwide, investors are on edge. Pain that investors may be feeling from current…
Content Courtesy of Vanguard, author is Kevin Khang, Ph.D., Vanguard Senior International Economist Historical context can be a powerful tool for understanding volatility Rising…
Content courtesy of Dimensional Fund Advisors and written by Wes Crill, PhD Senior Client Solutions Director and Vice President. Many investors seem to be pessimistic about the…
Content courtesy of local attorney firm Geiger Law Office. They can be reached at 760-448-2220 or at https://www.geigerlawoffice.com/contact.cfm. A new year means changes in gift…
Content courtesy of DFA, authors are Wes Crill, PhD Senior Client Solutions Director and Vice President | Kevin Green, PhD Head of Investment Solutions Analytics and Vice…
The building blocks of portfolios are the funds. If you’re building a wall, your want bricks of very high quality. For professional managers implementing an evidence based…
Original content below published June 21, 2016. An interesting tidbit of information. On the day after the President-elect Trump was elected Nov. 6, 2024, U.S. small value cap…
Content courtesy of Dimensional Fund Advisors. Author is David Booth, Founder and Chairman This year marks the 15th time I’ve had the opportunity to vote for our nation’s leader.…
It was a fantastic quarter and a fantastic 12 months ending September 30, 2024 as you can see in the two summaries from our Quarter Market Summary below. Every main asset class is…
Content courtesy of Dimensional Fund Advisors. KEY TAKEAWAYS The S&P 500 hit record highs, while the tech-heavy Nasdaq lagged the broader market. The Fed lowered interest rates by…
Content courtesy of Dimensional Fund Advisors, Author Wes Crill, PhD Senior Investment Director and Vice President The US stock market had two declines this year that startled…
Content courtesy of Dimensional Fund Advisors, Author Wes Crill, PhD Senior Investment Director and Vice President I try my best to avoid lofty expectations for my favorite sports…
In the massive SECURE Act 2.0 legislation that passed at end of 2022 is a new rule, that begins in a few months in 2025, that is designed to help those getting close to retirement…
The US stock market is the biggest in the world, but investors who ignore other global markets may miss out on a wealth of opportunity. Stocks of the roughly 17,500 companies…
DFA created a wonderful video illustrating the points below: Original Content posted January 2024: Courtesy content of Apollo Lupescu of Dimensional Fund Advisors. I do not have…
Recently I came across an article “Just 42% of U.S. workers confident they’re saving enough for retirement: survey” . The problem with this kind of survey is that such a very tiny…
Content courtesy of Dimensional Fund Advisors. Author is Wes Crill, PhD Senior Investment Director and Vice President. Index construction rules sometimes remind me of the SNL skit…
The first half of the year and the last 12 months since July 1, 2023, have delivered great market results. Want to dive in, read our Q2 2024 Quarterly Market Review here . The…
Content courtesy of Dimensional Fund Advisors KEY TAKEAWAYS US stocks extended a bull market, with the S&P 500 reaching a series of record highs in the year’s first half, led by…
Content courtesy of Dimensional Fund Advisors. Author is Wes Crill, PhD Senior Investment Director and Vice President. With the benefit of hindsight, it’s hard to imagine a…
Content courtesy of Geiger Law Office at 760-448-2220 or https://www.geigerlawoffice.com/contact.cfm. They obviously do work in this area and any estate planning need. As many…
Content courtesy of Dimensional Fund Advisors. Author is DFA’s Gordon Titman Associate, Research. Key Takeaways Research demonstrates that serving younger clientele leads to…
Content courtesy of GEIGER LAW OFFICE, P.C. www.geigerlawoffice.com, (760) 448-2220 Probate in California is the legal process through which a deceased person’s estate is settled,…
Content courtesy of Vanguard and Dimensional (see video below complete with patriotic music). Click on the image below to move through the brief presentation slide by slide.…
Content courtesy of Dimensional Fund Advisors. Historically, value stocks have outperformed growth stocks in the US, often by a striking amount. YEARLY OBSERVATIONS OF THE…
Content courtesy of Dimensional Fund Advisors, Author is Wes Crill, Ph.D., Senior Investment Director and Vice President. Investors who assume the “500” in an S&P 500 Index fund…
Q1 2024 was a great quarter as you can see below in a partial screenshot from the Quarterly Market Review (Click to view the entire report) . U.S. stocks had a year’s worth of…
Content courtesy of GEIGER LAW OFFICE, P.C., author Brenda Geiger, 1917 Palomar Oaks Way, Suite 160, Carlsbad, CA 92008, (760) 448-2220. Spring symbolizes renewal and growth, a…
Content courtesy of Vanguard. Authors are Francis M. Kinniry Jr., CFA, Head of Investment Advisory Research Center, Ted Dinucci, CFA, Senior Research Specialist, Investment…
DFA’s CEO (O’Reilly, great Irish name, no relation) talks about 2023 and the importance of discipline. Content courtesy of Dimensional Fund Advisors.
The history of market behavior during election months makes a strong case for sticking with a plan to achieve long-term goals. US PRESIDENTIAL ELECTIONS AND MONTHLY RETURNS…
Content is courtesy of Dimensional Fund Advisors. Investors may wonder whether stock returns will suffer if inflation keeps rising. But a look at equity performance in the past…
Content courtesy of Dimensional Fund Advisors Many people start out managing their own investments. But as their earnings and assets grow, their financial needs and challenges…
“A wave of new scientific discoveries reveals that learning to lean into uncertainty in times of rapid change is a promising antidote to mental distress.” –Maggie Jackson, New…
Content courtesy of GEIGER LAW OFFICE, P.C., author Brenda Geiger, 1917 Palomar Oaks Way, Suite 160, Carlsbad, CA 92008, (760) 448-2220. With the hustle of the holiday season…
Content courtesy of www.trustandwill.com. Click here to get 10% off an Estate Plan (Will and Trust and related documents). When someone dies without a Will, they said to have died…
You’re about to read advice that, likely, is different than you might expect. Here’s a hint: I did not call it the “401k Investment Committee.” Rename it and repurpose it as the…
As usual I will continue adding details through January as all of us are digesting this last quarter of the year, and the full year. Additional insights may emerge as we dig in…
O’Reilly Wealth Advisors believes in sound data and using statistics to understand what it tells us and how we can take advantage. Therefore, we are believers in Evidence Based…
Vanguard recently published a paper called “A Return to Sound Money”. I have saved you some time by listing key points below.. A link to the entire 24 page paper is found below.…
Content courtesy Dimensional Fund Advisors. Author is Wes Crill, PhD Senior Investment Director and Vice President The Magnificent 7 stocks (Footnote 1) continue to capture the…
Content courtesy of Vanguard. We’re in a new period of higher interest rates Now that interest rates have risen significantly, you may be wondering whether it makes sense to…
Content Courtesy of Dimensional Fund Advisors. Authors are Thomas Meinke, Investment Strategist and Vice President and Wes Crill, PhD, Senior Investment Director and Vice…
Imagine taking on a weight loss effort that is working well for you. It’s pretty easy to follow. The food is tasty enough. You’re not starving. You’re not having to run marathons.…
Content courtesy of Dimensional Fund Advisors, authored by Wes Crill, PhD Senior Investment Director and Vice President The US government temporarily averted a shutdown after the…
The inspiration for this Blog post was an article describing how mobile apps for 401k retirement plan accounts are becoming very widely used by plan participants. It’s been…
Here’s our preliminary 10/7/2023 look at recent market and portfolio results as of the end of Q3 2023, 9/30/2023. Click on the following for more detail: Q3 Quarterly Market…
Content Courtesy of Dimensional Fund Advisors No matter how familiar we are with investing, we’ve all navigated uncertainty, weighed risks and rewards, and made carefully…
Content courtesy of Dimensional Fund Advisors; authored by Trey Roberts Associate, Research. KEY TAKEAWAYS We believe that concerns of decreasing price efficiency due to the…
Content courtesy of Dimensional Fund Advisors Stock market slides over a few days or months may lead investors to anticipate a down year. But the US stock market had positive…
Content courtesy of Dimensional Fund Advisors. Sudden market downturns can be unsettling. But historically, US equity returns following sharp declines have, on average, been…
Content courtesy of local estate planning attorney Geiger Law Office. They can be reached at (760) 448-2220, or https://www.geigerlawoffice.com Singer Aretha Franklin died five…
Content courtesy of Dimensional Fund Advisors KEY TAKEAWAYS US debt markets seemed to barely react when Fitch downgraded US government debt. Markets are forward-looking and often…
Content courtesy of Geiger Law Office. For specific questions aboout the content, contact them at (760) 448-2220 or at https://www.geigerlawoffice.com/contact.cfm. When setting up…
O’Reilly Wealth Advisors 100% stock portfolios we re up 5.1% for the quarter, 10.5% for the first half of 2023 and 14.1% over the last 12 months. Our set of social portfolios…
Content courtesy of Dimensional Fund Advisors. PDF of their original content found here. What does a century of economic cycles teach investors about investing? Our…
An important aspect of the oversight of 401(k) plans is managing "lost participants". These are former employees that left behind 401k account balances and can no longer be…
Content courtesy of Dimensional Fund Advisors
In today’s Post Pandemic world of frequent mergers and acquisitions, poorly staffed customer service centers, (including unsupervised home-based), poorly trained customer service…
Content courtesy of Dimensional Fund Advisors, author Wes Crill, PhD Senior Investment Director and Vice President If you were to poll strangers on what comes to mind when they…
Content courtesy of Dimensional Fund Advisors. Since 1926, the US stock market has rewarded investors with an annualized return of about 10%. But returns in any given year may be…
What is this number sequence? +28.7 +10.9 +4.9 +15.8 +5.5 -37.0 +26.5 +15.1 +2.1 +16.0 +32.4 +13.7 +1.4 +12.0 +21.8 -4.4 +31.5 +18.4 +28.7 -18.1 and, finally, +9.8? That's 20…
Don’t miss this opportunity!! It’s important to understand the POWER ACCOUNT - the HSA! Many are aware but studies have shown that many are missing out on this powerful account…
Content courtesy of Dimensional Fund Advisors By David Booth Chairman and Founder The collapse of First Republic Bank is a harsh reminder that any stock can go to zero, no matter…
In 2019 Schwab announced it was merging with TD Ameritrade. In 2020 the transaction was complete. The integration of the two firms, more specifically their custodial platforms,…
Please find our Quarterly Market Review Report here . (For those that want to dig deep.) Quarterly Summary - Up across the board. Stocks have quietly been up the last 6 months.…
Content Courtesy of local Estate Planning Attorney Firm Geiger Law at (760) 448-2220 or at https://www.geigerlawoffice.com/contact.cfm . As you have undoubtedly heard by now, the…
The total economic activity is measured by GDP - Gross Domestic Product. It’s a measure across the entire GIGANTIC multi trillion dollar national economy. It’s not your family’s,…
Content courtesy of Dimensional Fund AdvisorsF featuring Gerard O'Reilly, PhD Co-Chief Executive Officer and Chief Investment Officer “Don’t focus on predicting what will happen,…
Content courtesy of local estate planning attorney Geiger Law Office P.C. who can be reached at (760) 448-2220 or through their contact page at:…
We’ve all heard that “index funds” perform well - it’s all about diversification. Still funds could be even more diversified. Dimensional funds own even more issues than an index…
Content courtesy of Dimensional, Author is Chairman & Founder, David Booth Consider everything investors have been through in recent years: a global pandemic, rapid inflation, war…
Content courtesy of Dimensional Fund Advisors. Gerard O’Reilly is of no relation, just a wonderful and common Irish name. See notices at the end of the very brief video. Recent…
Content courtesy of Dimensional Fund Advisors. Written by David Booth, Chairman and Founder One of the best things about markets is that they don’t have memories. They don’t…
Content courtesy of local attorney Brenda Geiger, Geiger Law Office P.C., (760) 448-2200, https://www.geigerlawoffice.com/contact.cfm . Though it varies from case to case,…
KEY TAKEAWAYS Content courtesy of Dimensional Fund Advisors. Authors unnamed. Stocks had their worst year since 2008, and bond prices also fell as inflation reached a four-decade…
2022 was very challenging as both stocks and bonds were down. The lowered performance was almost exclusively in the first half of the year. Compare the Full Year results across…
You probably heard about the “omnibus” bill passed in late December. Congress threw in a whole bunch of retirement plan and related new laws that are overall very good. We will do…
Thanks for reading. I don’t claim to be an expert, but I think my “plain spoken Nebraska common sense” could be helpful. I think we may all agree that the world needs more common…
I read and listen extensively to “experts” and “economists” who spend a lot of time forecasting what may or may not happen in the economy and markets. Sometimes they’re kinda…
Content courtesy of Dimensional Fund Advisors. Authored by Weston Wellington, Vice President. On November 8, US voters cast their ballots for all 435 seats in the House of…
If your family situation is not too complex, your total net worth not super large and your main goal is avoiding probate and passing on assets to the next generation, then you may…
We will be developing this post with more commentary and content over the next 1-2 weeks. It was a tough 3rd quarter and year for stocks and bonds, and the worst may be over soon.…
Content courtesy of Dimensional Fund Advisors, Author: Weston Wellington Vice President A recent news item reported that Frederick Smith intended to step down as Chairman and…
Content courtesy of Dimensional Fund Advisors US-based investors may believe they know America best. Accordingly, they are liable to put the bulk of their investments in stocks…
Content courtesy of Dimensional Fund Advisors, author is Wes Crill, PhD, Head of Investment Strategists and Vice President KEY TAKEAWAYS Liquid-alt investments claim they deliver…
Content courtesy of Dimensional Fund Advisors, author is Wes Crill, PhD, Head of Investment Strategists and Vice President Many investors have likely heard the adage that active…
HYPOTHETICAL GROWTH OF $1 INVESTED IN S&P 500 INDEX January 1, 1926–June 30, 2022 Content courtesy of Dimensional Fund Advisors. Find the PDF of this article here . Nearly a…
Content Courtesy of Dimensional Fund Advisors, Author: Wes Crill, PhD, Head of Investment Strategists and Vice President One of the more vocal arguments against value investing…
Content courtesy Dimensional Fund Advisors. Despite the first two quarters of 2022 bringing the worst US bond market returns since 1980 (Footnote 1), July delivered a positive…
Bond prices may not matter as much as you might think they do Content courtesy of Vanguard. See original PDF here. While swift bond price declines can be upsetting, it’s important…
The term “ESG” relating to investing has been in the news more and more lately. I think there is a lot of confusion about this topic. I think this short article will help you put…
Content courtesy of the Geiger Law Office, (760) 448-2220 or at http://geigerlawoffice.com/contact.cfm. Author is Brenda Geiger, J.D. When reviewing a new or existing client’s…
Content courtesy of the Geiger Law Office, (760) 448-2220 or at http://geigerlawoffice.com/contact.cfm. Author is Brenda Geiger, J.D. We are frequently asked by clients what a…
Content courtesy of Dimensional Fund Advisors “Making money slowly is much better than making—then losing— money quickly.” —David Booth As the pandemic dragged on, many people’s…
There’s no beating around the bush - Q2 2022 was a tough quarter and first half of the year 2022. However, the long term expected return of the market is in place and we know that…
Content courtesy of Dimensional Fund Advisors. Rising inflation may leave investors wondering whether they should keep fixed income out of their portfolios, but history shows…
Just two years removed from the last US recession, negative stock returns and aggressive US Federal Reserve interest rate hikes have many investors concerned we are headed for…
Content courtesy Vanguard. For prepared investors, market downturns can represent great opportunity Nearly everywhere you turn, from friends and colleagues to cable news shows,…
The word “manage” in the title “Manage Your Destiny” was specifically used here - one cannot control their destiny. I love the wisdom found in the short version of the Serenity…
GDP, or Gross Domestic Product, is a measure of the size of the economy put out by the U.S. government entity Bureau of Economic Analysis (BEA).
Content courtesy Dimensional Fund Advisors. Author: Wes Crill, PhD, Head of Investment Strategists and Vice President At some point over the past year…
Content courtesy ERISA attorney Ary Rosenbaum, The Rosenbaum Law Firm P.C. Ary can be found at 516-594-1557 or Ary@therosenbaumlawfirm.com. Go to this…
Read →Content Courtesy Dimensional Fund Advisors. DFA Authors: John Morrison, CFA Senior Investment Strategist and Vice President | Matt Lipps, CFA Associat…
Author is local estate planning attorney Brenda Geiger. Contact information below. Most people realize that setting up a revocable trust as part of th…
Content is courtesy Dimensional Fund Advisors, no specific author. KEY TAKEAWAYS Single stocks have a wide range of returns. Only about a fifth of sto…
Content Courtesy Dimensional Fund Advisors, Written by Wes Crill, PhD Head of Investment Strategists and Vice President Investors expecting FAANG* ( F…
Content Courtesy of Dimensional Fund Advisors, Written By Kaitlin Simpson Hendrix Senior Researcher and Vice President | Trey Roberts Associate, Resea…
Written by Sam Ro, posted at Yahoo Finance, click here to go to it. It’s been an incredibly unpleasant year for stock market investors. After setting…
Content is courtesy of Dimensional Fund Advisors. Click to see PDF document. Annual stock market returns are unpredictable, but “up” years have occurr…
It’s the climate, not the weather…..
In Q1 2022, we had several factors working in favor and against the market. Please see two charts below - one pointing out that geopolitical events (l…
Inflation is in the news right now and like many topics - information is provided without context - and serves to frighten and mislead people. “Fake N…
99% of the content of this post is from trustandwill.com with their permission. We’ve added additional key advice on managing your Trust long term. We…
Vanguard put together a timely PDF showing examples of market reactions 6 and 12 months after a geopolitical event. See the PDF here and the image bel…
Content courtesy of Dimensional Fund Advisors, Author: Karen Umland, Senior Investment Director and Vice President. Recent conflict between Russia and…
Here’s a new video to watch about trying to time the market which is a great temptation at times like these. The S&P500 is down 10-15% from recent hig…
This content is from The Wealth Counselor, a newsletter provided to us by local attorneys Strazzeri Mancini, LLP 10251 Vista Sorrento Parkway Suite 25…
(Content courtesy Dimensional Fund Advisors. Link to actual PDF below.) After a strong year for the value premium, investors are curious about what th…
Recently a communication I received from Vanguard used those words, “Fortune Favors the Disciplined”. Vanguard’s words are “Truth” and a clever play o…
(Avance página para la versión en español de la publicación del blog.) Though this Blog post uses the term “401(k)” - beneficiary concepts are identic…
Great quarter and year for the markets overall Model portfolios up from 3% to 7.5% for Q4 - representing a 12% to 30% annual rate - outstanding. For t…
Content courtesy of Dimensional Fund Advisors. As of the end of 2020, the US debt held by the public amounted to $22 trillion, an increase of approxim…
I am going to keep this post short - one topic at a time. In reality there are many considerations but you’re not going to read this if it takes more…
Many investors may think a market high is a signal stocks are overvalued or have reached a ceiling. However, they may be surprised to find that the av…
Content Courtesy of Dimensional Fund Advisors Author By Wes Crill, PhD Head of Investment Strategists and Vice President As a parent of identical twin…
Global markets, in the last 12 months, performed strongly with our model portfolios made up of 40%-100% global stock up from 13% to 34% and a slight c…
Here’s a link to a Power Point from the Nov. 17, 2021, Carlsbad Chamber 401k workshop. This tells you all you need to know in a compact fashion. CA co…
Read →Content Courtesy of Dimensional Fund Advisors By Gerard O'Reilly, PhD Co-Chief Executive Officer and Chief Investment Officer (no connection to O’Reil…
Blog Post Content Courtesy Dimensional Fund Advisors, Author Weston Wellington KEY TAKEAWAYS After last year’s economic shocks, we shouldn’t be surpri…
Blog Content Courtesy Dimensional Fund Advisors, Author is David Booth, Executive Chairman and Founder Mac McQuown recruited me to help create the ver…
Content courtesy Dimensional Fund Advisors KEY TAKEAWAYS Recent Dimensional research suggests that simply staying invested helps outpace inflation ove…
Every year I am invited to a forecast of what will happen in the economy. It’s interesting to watch and longer term trends can be forecasted to some e…
The impact of missing just a few of the market’s best days can be profound, as this look at a hypothetical investment in the stocks that make up the S…
In Q2 2021 we continued to ride the “Pandemic Recovery”. Recovery returns have moderated from “exceptional” to “very good”. The portfolios and benchma…
Courtesy of Dimensional Fund Advisors By Wes Crill, PhD Head of Investment Strategists and Vice President AMC and GameStop are priced squarely in the…
As companies grow into some of the largest firms, the returns that push them there can be impressive. But not long after joining the Top 10 biggest by…
Content courtesy of Dimensional Fund Advisors Author: David Booth, Executive Chairman & Founder We’ve long known that flexibility adds value. My colle…
Wow, what a 12 months since we were near the Nadir of the Pandemic Plunge! The sequence of events clearly demonstrate the power of exercising discipli…
I am glad that Vanguard wrote this brief paper. All the various astute people out there that I consider worthy to hear are pretty much lined up with V…
At the bottom of this Blog Post also find a Vanguard produced 2 pager on “Cryptocurrency: A Quick Guide to Usage and Risks”. “Everything you don’t und…
Some interesting trends going on - here’s my summary of many articles and trends I am seeing. It’s the roaring twenties! Seriously, the economy is boo…
I often write about the very important concepts that small stocks outperform large stocks and that value stocks outperform growth stocks in the stock…
Content Provided by Dimensional Fund Advisors Since 1926, the US stock market has rewarded investors with an average annual return of about 10%. But i…
By Ishan Ghosh, PhD Researcher of Dimensional Fund Advisors Key Takeaways FANMAG returns have been extreme relative to their contemporaries, but not t…
It’s always challenging to understand “why” and no way to prove theories - but we here at O’Reilly Wealth Advisors have been enjoying a surge of the U…
The ink on the SECURE Act of 2019 - passed very late in 2019 - was barely dry when Covid hit. Soon we were talking about the CARES Act of 2020 when we…
Content courtesy of Dimensional Fund Advisors. Index additions and deletions are typically a routine affair, but the recent announcement by S&P that T…
Content courtesy of Dimensional Fund Advisors with permission. The year 2020 proved to be one of the most tumultuous in modern history, marked by a nu…
Our eight minute video summarizing the information below is immediately below this text. Hard to find anything wrong with the market’s Q4 2020 results…
Good day! Go to this link to register for our Quarterly Market Update Webinar. You may have also accessed it by responding to the pop-up window that a…
Our hope is that your family is safe and happy as we all transition into the new calendar year of 2021. At this time each year, most of us reflect on…
It's the time of the year when families are more likely to plan for their financial future. It's never too late to get a real written plan in place -…
The Seductive Nature of Fat Tail Distributions…
Is financial planning an emergency? I encourage you to get a real written plan, authored by experts, in place in January 2021. It's the responsible ac…
I am honored and blessed to have had the opportunity to contribute as a Carlsbad Chamber member and to have been recognized for those contributions wi…
Read →(Content author Dimensional Fund Advisors - shared with permission) Editorial comment from John O’Reilly: Often I hear from individuals and even advis…
Have you been on facebook or LinkedIn and something pops up involving a friend or business associate that has passed away? The pain of loss wells up i…
With the passing of the Setting Every Community Up for Retirement Enhancement (SECURE) Act in late 2019, often forgotten since Covid impacted us short…
For more detail on HSA’s see our May 2018 Bog Post here . This post is meant to get quickly to the heart of Why are they so good and What next ? HSA’s…
We encourage Plan Sponsors to always be thinking about how they can make their plan better and there are a number of ways to measure “better”. If you’…
Probably the most requested numbers are employee 401(k) contribution limits which remain unchanged in 2021 from 2020 at $19,500 and catch-up for over…
A quick reminder - this is our NEW website - look around while you’re here. Q3 2020 Results were positive across the board looking at the top line maj…
We’re excited to have presented jointly with the Chamber, October 8, 2020, on the Chamber’s new Aggregation 401(k) member benefit “perk” being offered…
Life is so fast paced! An individual or couple rarely have an uninterrupted 90 minute conversation about what’s most important to them and their FUTUR…
Be sure to watch the video below. We’re excited to bring what we believe to be the best Financial Wellness platform in the nation called GoalPath Solu…
Read →Article by DFA's Weston Wellington, click here .
Read →Source: Dimensional Fund Advisors Emerging markets are an important part of a well-diversified global equity portfolio. However, recent history remind…
Read →Investors often wonder whether the market will rise or fall based on who is elected president. The data show that capturing the long-term returns of t…
Read →Great Perspective on Bull/Bear Markets This charts shows Bull Markets and Bear Markets, in sequence dating back to 1926 – but sets it back to zero eac…
Read →Do you have an overall written financial plan in place, informed by experts, that is being actively implemented and monitored? Do you have estate plan…
Q2 2020 was marked by a very rapid market recovery that began March 23 and peaked June 8 before moderating and gradually continuing moving up into Q3…
Value stocks are stocks that are relatively under-valued in the market - their stock price has been suppressed. It could be that the company is not as…
Read →What a quarter it was, of course, dominated by the uncertainty of the Coronavirus. Please see the Market Review here and our Model Portfolio Performan…
"The market" reacts to large news stories - the scarier and more hyped by journalists - the greater the reaction. Short term speculators add to the ov…
Good news needs to be shared! The future of the economy, markets and wages looks bright! You may have heard of the term futurist . Futurists study tre…
Read →What a great year and Q4! For the year: US Stocks (Russ 3000) +31%. Other Developed Countries +22.5% Emerging Markets +18% Global Real Estate +23% US…
Read →Everyone agrees that we need to make retirement plans available to as many Americans as possible. Can we make it easier and also encourage small busin…
Imagine it is January 1, 2010 Imagine it is early January 2010 and you are reading a review of the financial markets. Investors have been on a roller…
This is a modified version of the post by DrinkerBiddle, a major nationwide firm with extensive legal knowledge and reputation in employee benefits an…
The year 2019 served up many examples of the unpredictability of markets.Interest rates that US policy makers expected to rise fell instead. American…
Answering the Call to Courage: Financial Planning My daughter is amazing and this Thanksgiving introduced my wife and I to the very interesting speake…
The impact of missing just a few of the market’s best days can be profound, as this look at a hypothetical investment in the stocks that make up the S…
Below is some useful information about Medicare. The best approach is to engage with a Medicare expert. Don’t try to do this on your own. There is onl…
In the most recent quarter every asset class, including stocks and bonds, was up! Because of strong bond performance globally, all our clients made ou…
After a drop at end of 2018, the market rebounded in Q1 2019 and has been performing well so far in April. In fact - if we could shut down the market…
The year 2018 and Q4 ended with a whimper. In fact as I write this, the market in 2019 started well, though losing a chunk this week.Given the very st…
Thanks to author Mr. Goetsch and Dimensional Fund Advisors Source Link Here By Dave Goetsch, Executive Producer, The Big Bang Theory Learn how one Hol…
On a daily basis I encounter absolutely awful 401(k) plans. High fees, poor fund lineups etc. The small to medium size market offers nearly unlimited…
Attention Successful Small Business Owners! This is potentially very beneficial for you if you fit in one of the scenarios that offer large benefits!T…
It was a good quarter overall with our model portfolios, from 40% to 100% stock, earning 1.5% to 4%. That would be an annual pace of 6% to 16%. See th…
The government always gets their money back - or do they? What if there was a retirement account that when contributing has the tax deductibility of a…
We look forward to seeing you at the November 13 Lunch & Learn at Vista Chamber. You can see a PDF describing the event here . Sign up below.[mailerli…
In this paper written by Brad Steiman of DFA, he proposes the happiness equation being that if your life as experienced gives you more than what your perceptions of what life…
Great new 2 1/2 minute video on the mutual fund landscape. Clear, concise. Most funds are actively managed, and the hallmark of active management is inconsistent performance as…
In the article found here , the press is reporting on the fact that now with a Republican administration in place, the environment is not amenable to put new fiduciary rules in…
In 2012 and 2016 the state passed laws creating a state run retirement plan initially called Secure Choice, now called CalSavers . It seems likely to move forward though there is…
I really enjoy the song "Chances" by Five For Fighting. Here's a link to a You-Tube music video . Here's a link to the song lyrics . It's also famous as it is part of the sound…
See our Q2 2018 Quarterly Market Report here. Find our 2 page model portfolio performance report here.Market results for the 2nd quarter of 2018 were mixed. Emerging Markets were…
A rent control initiative will be on the November ballot in California. Beware its appealing name: "Affordable Housing Act". Below is a link to a very well done 8 page document…
From wealthmanagement.com ( click here to go directly to article ) Congress decides to try a carrot instead of a stick. Katherine C. Pearson | May 29, 2018 Financial service…
We are very excited to be offering HSA (health savings account) to individuals, families and groups through a partnership with Health Savings Administrators acting as the…
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May 15, 2018: Lowe's #401k lawsuit follows familiar #ERISA #Fiduciary breach claims. #HR #SHRM #Money #RetirementPlan http://ow.ly/zR3R30jZTDs May 1, 2018: Keep Track of #401k…
Let’s compare Plan Sponsors and the Elected Government Officials. Would love to hear your comments. Elected Govt’ Officials: Properly manage the tax revenue coming into the…
Assuming that a voter likes a candidate’s positions on issues - if their preferred candidate is fiscally prudent - that makes them even more valuable. They are willing to dig into…
The markets drew perhaps more attention than usual as they started off 2018 continuing the 2017 strong returns. Of course, markets rarely continue strong rises for long periods of…
At the end of one year and beginning of the next, it's economic forecast season. Being in this business - and not following the mainstream Wall Street crowd - I know that no one…
O'Reilly Wealth Advisors offers Fiduciary Education Webinars as part of our alliance with Two West Advisors. These webinars are designed to help plan sponsors understand and…
The quarterly and annual market review is here! Click here. It's 30 pages and examines the global markets from every angle. The first half is quarterly and second half is the…
Original article posted here at JD Supra by Ary: https://goo.gl/gTqa2V PDF of article found here . Article beginning : I’ve been an ERISA attorney for over 19 years and 401(k)…
Most 401(k) account holders are not aware that they could be achieving higher relative returns. This is especially true in a positive stock market environment. There's the famous…
Dear Readers, Enjoy all of our social media postings in one place for those of you not following us on LinkedIn, Facebook or Twitter.Useful to all especially 401(k) plan sponsors.…
The most obvious mistake - this is not your field of expertise! The mistake: Not hiring a registered investment advisor fiduciary (RIA), that is a retirement plan specialist, that…
Couldn’t make our 401(k) Workshop on October 17? No problem - here’s an executive summary for you. We are willing to bring the case studies to your site including the CPA and SHRM…
We're having a great year. Of course, that will change and the markets will inevitably go down. Our models are up about 6 to 13% for the year. The world outside USA is strong at…
We are not claiming to be experts. We think you will find this a handy starting point. Clients : Most of you have all or some of your accounts held at the TD Ameritrade…
We're very excited to bring a very high quality 401(k) workshop to North County. Click here for the flyer. A 401(k) plan where a plan sponsor hires a registered investment advisor…
If you wish to consider how your reverse mortgage would help you under current law versus the new law, you had better contact and meet with your reverse mortgage expert before…
For this article to make sense to the reader, two foundational ideas must be accepted. One is that lower fees lead to better returns in the plan. Two is that investment advice…
The quarter just ended one business day ago and already we have posted our 6/30/2017 Model Portfolio performance data found here . The quarterly market review is posted here . It…
On October 17, 2017 O'Reilly Wealth Advisors is hosting a 401(k) workshop at the Vista Chamber.11:30 - 1:00 - See the event flyer here .Please RSVP to:760-504-6040 or…
What is the greatest opportunity to improve 401(k) plans today? We want as many employees as possible to get to higher account balances as soon as possible! Yep. It's all about…
Over the years, the mainstream financial world has completely misinformed us and misguided us on what constitutes great investing. This is conventional thinking - there's a far…
The first quarter of 2017 was a good one for the market generally. The best performing asset classes were emerging markets at 11.4%, international at 7.9% and large USA (S&P500)…
Great post p ublished on December 26, 2016 by Zdravko Cvijetić on LinkedIn See all 13 presented very briefly here .
I recently attended a fantastic 2-day conference on wealth management put on by the Southern California Institute (www.scinstitute.org).Here are some statistics - and you'll soon…
It was a very good year. The small cap premium and value premium were potent in USA with Russell 2000 Value index up 31.7% vs Russell 2000 at 21.3%. In large cap the Russell 1000…
Wouldn't you think that when markets are hitting new highs - that the chances of the market being up in 12 months is lower than at other times? Makes sense - gotta come down…
Diversification is a topic I write about constantly as it is one of the keys to long term investment success. Closely related is discipline. The discipline to stick with smart…
The average person doesn't know that most "financial advisors" and insurance agents are not required to act in your best interest. Our firm, as a Registered Investment Advisor…
Please see the PDF found here and also read the introduction and conclusion below. Click the back arrow to return after opening the PDF. Prediction Season - December 2016…
As of December 9, 2016, "the markets" have been doing quite well. Keep in mind there's a million ways to define the market. Our definition of "the market" is performing even…
The behavior gap refers to an investor’s behavior causing them to deviate from a long term planned investment strategy - and earn far less than what they could have. Click to…
What’s the biggest problem with 401(k) plans that is not being addressed? It’s the investment returns of the participants. How do you maximize the number of participants holding a…
At these links find the following Q3 (as of 9/30/2016) Summary Reports. O'Reilly Wealth Advisors Portfolio Model Results 401K Newsletter and Model Results Q3 Market Review
The bottom line is this: Markets are usually up in election years and the year after election years - the first year in the new President's term. Ok, you have the punch line!This…
One of the fundamental flaws in our culture’s approach to stock market monitoring can be found in how the “Financial Media” refers to “The Market”. “The Market” did this or “The…
A study was performed looking at the relationship between economic growth as measured by GDP in the previous year and equity returns this year. In both developed and emerging…
So what's a dividend reinvestment program? That's where a dividend paying company will allow you to take your dividends in additional shares of stock instead of dividends in cash.…
Great idea: Act now to set your children on the path to have approximately $1.5M tax free at age 65.Savings from summer jobs starting at age 10 totaling just $17,100 by age 29 can…
Q2 2016 is in the books. It was a reasonable quarter in the markets. Most asset classes were modestly up and a few were down. There's no evidence of the market volatility in the…
Like most elements of personal financial planning, your 401(k) account requires ongoing attention and adjustments. Most 401(k) account owners from day one do not allocate their…
One of the many great attributes of my family is that the vast majority of the time we do not take ourselves too seriously individually or as a family. Life is too short, isn’t…
Courtesy of Dimensional's Jim Parker and here's a link to a PDF .Do you ever listen to the news and find yourself thinking that the world has gone to the dogs? The roll call of…
We're talking a really small tweak here. When you model these changes going back 17+ years, the impact is minor. So, nothing to write home about.This goes back to changes we made…
Hidden Among Everything…. …are the boys and girls that will become historical figures in their lifetimes. We can’t identify them until after the fact. …are the boys and girls that…
You’ve read my blogs about the premiums to be found in the market – they occur most of the time – persistently not constantly. Small beats large, value beats growth, etc.Do I…
Updated June 2023. Like many financial behemoths that cannot take a position one way or another for fear of alienating a big chunk of their customer base (which helps Morningstar…
On Friday, May 6, for the third year in a row I attended "Leadercast", a one-day intensive leadership forum consisting of a series of excellent speakers with exceptionally great…
Does a report of low quarterly GDP results impact short term stock market returns going forward? Obviously GDP reports vary quarter to quarter and go through ebbs and flows -…
I recently ran across a 401(k) plan that did not provide an emerging markets fund for employees who wish to build their own portfolio with individual funds. Many conventional…
On April 6, the Department of Labor (DOL) published the final watered-down version of the conflict-of-interest rule it proposed in April 2015. The new regulations require those…
It's pretty rare that someone starts a completely new business from scratch in a thoughtful manner - methodically bringing the business and its philosophy to life. Being able to…
Well, actually it is legal to use insider information, if you're a publicly traded company buying back your own stock. Companies make billions with this, don't they? Shouldn't…
You can read them here: Crude Oil & Financial Markets Recent Market Volatility An Update on China Q4 Market Update
I reviewed a prospective client's Fidelity 401(k) so that I could offer advice on where to place their money in it. My thoughts: "Wow, no lower cost, higher performing passive…
Hello to all who attended O'Reilly Wealth Advisors' Senior Financial Topics Session Saturday, January 16, 2016 AND Saturday, February 20 at my home parish St. Elizabeth Seton,…
You've all seen the Allstate insurance "mayhem" commercials. They've had the "mayhem" series in play for quite some time and as I write this they've created a contest where you…
Larry Swedroe of BAM had an interesting encounter with an actively managed fund family Third Avenue that not only insisted that their firm's results were good - they insisted they…
If you're investing, assuming the returns will be similar - would you prefer a roller coaster ride (which is a certainty) or a double twisting roller coaster (even higher…
For you 401(k) plan sponsors out there - it's important for you to know the history behind the difficulties of monitoring and choosing funds in your company's 401(k) plan - and…
Diversification...is misunderstood and misapplied by both investment pros and non-pros alike. Let's get the diversification misunderstandings, understood.Why is diversification…
One of the challenges of financial planning and investing is keeping a clear head as markets go up and down. We're talking about serious emotions and many financial media pundits…
Larry Swedroe writes (click here) about the latest report that active management is (as always) under-performing passive indices.As he says the past is prologue at least in this…
This link opens a PDF article written by Weston Wellington of DFA which quantifies the behavior of markets after 5% and 10% market corrections. It's a brief article, written for…
Hidden among everything are the asset classes that will be the winners over the next 1, 5, 10 and even 20 years. We don't know in advance which asset classes will win...or lose.…
What is the game that Wall Street protects? It's the idea that "gurus" can make predictions good enough that they are better than random guessing. Not just predictions about…
Happy Russell Reconstitution Day,June 26, 2015 is the annual reconstitution day, at least for Russell 2000.Reconstitution refers to the moment in time when indexes make changes in…
I recently attended, for the third year in a row, the one day "Leadercast" event (5-8-15). It's an inspirational and practical guide to being a better leader, better…
One of the most important educational services that my firm provides is to help the average person understand what really works and what doesn't in investing. The financial…
Any "active manager" can outperform evidence-based investing as long as they are lucky enough to have larger amounts invested in securities or asset classes that are currently…
As a local independent registered investment advisory firm - we're the good guys - my firm resides in a world dominated by Big Box Insurance and Big Box Brokerage firms.That's…
March 11, 2015: Headline: Wall St. ends down for 2nd session on rate concerns Well, yes, the Dow Jones and NASDAQ which essentially are a proxy for large US stocks, were down…
Please see Larry Swedroe's article at etf.com at this link and text below. I am so compelled that I just ordered the book he is referring to called "Wrong". Once I read it, I will…
Great New York Times article, found here , written by Jeff Sommer, and the text is below. This article came out March 14, 2015. The bull market in stocks turned six last Monday,…
There isn’t any licensing for a financial advisor! This is a popular generic term that anyone can use. The 1940 Investment Advisors Act established registered investment advisors…
All three videos are brief and engaging - encourage you to take a few minutes total to watch all three. Video 1 - "grain of salt" - a financial product salesperson at a bank…
Recently I met with a very well informed expert in the investment advisory space. He's involved with M&A activities and so he regularly analyzes firms like mine. I explained the…
We'll see how my little experiment works out. My goal - create a place where lots of varied content relating to evidence-based investing or "passive" investing can be found.…
Winston Churchill said, “I never worry about action, but only about inaction”. In almost every endeavor, I would agree. But in investing patience and discipline pays off and lack…
It's extremely rare for an RIA (registered investment advisory firm) to start up from scratch by someone outside the financial services industry - and we did it! Why? What was the…
Follow the Money Always good to do in business and in determining underlying motivation. It's important to know how your advisor gets compensated because it impacts their…
Surveys have shown that a very large portion of households make very important social security decisions at random.Make these decisions incorrectly and maybe you receive $750,000…
You've heard it before and I hope that you have seriously considered it. Investor success is impacted more by behavior than it is "technical know-how". The 2014 Dalbar report…
Myth: Choice is Good inside a 401(k) Plan (see Tyranny of Choice article)Americans love freedom and choice! So isn't it good to have many fund choices in 401(k) plans? To answer…
Myth: Choice is Good inside a 401(k) Plan Americans love freedom and choice! So isn't it good to have many fund choices in 401(k) plans? To answer that question, we have to…
New, Practical & Brief NewsletterOne of these newsletters could save you from making a big mistake. This is basic and "ready to act on" advice for those serious about making smart…
O'Reilly Wealth AdvisorsInaugural Prudent 401(k) Fiduciary NewsletterGreetings!Welcome to our inaugural issue!In these newsletters, we will expose the myths about 401(k)…
As the cute AT&T commercials with the children conclude, "it's not complicated; more is better." Click here to see one of the fun AT&T commercials. Below I have presented yet…
Annuities can play an important role in the overall strategy of an individual or family. The problem is that often the fees are high, even “very high”, with less than optimal sub…
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