Financial Planning
John O'Reilly
Highlighted Blog Post: Re-Discovering the ...

Let’s examine the O’Reilly Wealth Advisors “Discovery Meeting” and YES it works virtually.

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Real-Time Ratings Are More Dynamic than Fitch’s

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Fixed income credit ratings may assist investors in understanding the creditworthiness of different bond issuers. However, Fitch’s recent downgrade of the US government credit rating reinforces that NRSROs’ credit rating changes generally do not provide markets with new information. Rather, NRSROs’ rating changes seem to reflect information already incorporated in market prices.

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History Book: Market Returns through a Century of Recessions

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Every recession is unique and the market behavior is to continue to grow and reach new highs even as it encounters economic recessions. Up and down, down and up, as it continues marching to new highs in patterns that cannot be predetermined.

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The Wacky World of Post Pandemic Customer Service (You need an advocate!)

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In today’s Post Pandemic world of frequent mergers and acquisitions, poorly staffed customer service centers, (including unsupervised home-based), poorly trained customer service reps and “service” by AI run online chats/bots - it’s never been more important to have an advisor to help you through the fray!

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From Skynet to ChatGPT: AI and Its Investment Implications

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The common thread among these examples is that each represents a tool that processes and organizes data to identify patterns and summarize information or make suggestions. This type of interaction with AI has grown to permeate our everyday lives. Have you noticed your phone offer an unsolicited ETA for your commute when you get in your car? Does your text app suggest grammar revisions based on the context of your overall message? Congrats—you’re an AI user, even if you’ve never opened a ChatGPT session.

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A Number Sequence that Explains Market Behavior

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In total we have 97 years of S&P500 return data (1926-2022) and the annualized return 1926-2022 is 10.1.  So the last 20 year result of 9.8 is very close to the entire 97 years, and that includes both 2008’s ugly -37.0% return and last year’s uncomfortable -18.1% return.

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