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Investor Returns vs. Unrealized Gain/(Loss) Cost Basis Reporting

Created on Wednesday, 02 November 2016. Posted in content/blog

Investor Returns vs. Unrealized Gain/(Loss) Cost Basis Reporting   Written by Ethan S. Braid, CFA on 11.01.2016   The author, a fee-only registered investment adviser with more than seventeen years ...

How to Pick a Great Financial Advisor

Created on Friday, 22 April 2016. Posted in content/blog

  Written by Ethan S. Braid, CFA on April 22nd, 2016   The author, a fee-only registered investment adviser with more than sixteen years of experience, manages over $70 million dollars of client ...

Oil - Ignore It

Created on Tuesday, 29 December 2015. Posted in content/blog

Written by Ethan S. Braid, CFA on 12.29.2015   HighPass first commented on commodities and oil over two years ago in an article written on March 28th, 2013.  In that article, “Avoiding the Bond Bubble,” ...

Efficient & Rational Markets? Not a Chance!

Created on Tuesday, 25 August 2015. Posted in content/blog

... by speculators and be prepared to wait, years potentially, before the herd recognizes that Intel deserves a higher price than its current market value.  With the right amount of patience, there could be ...

Stocks are Selling - What Should you do?

Created on Friday, 21 August 2015. Posted in content/blog

... we know that the base rate for the stock market is a little over 8%.  With 200 years of data to look back on, we would expect that 95% of the time (i.e. what we consider “normal” – the range of returns ...

Is the Sky Falling?

Created on Wednesday, 15 October 2014. Posted in content/blog

... follow up with my market assessment. The past five years brought tremendous gains as we dug out of the 2008 mortgage & housing bubble.  The S&P 500 returns over the last six years were: 2013                ...

Bond Literacy Quiz

Created on Thursday, 30 January 2014. Posted in content/blog

...  9.If I buy conservative bond funds: a.I could lose money, potentially for many years b.I might not make much money, but will never lose c.May only lose for a month or so, but as ...

Bonds Lost, Now What?

Created on Monday, 22 July 2013. Posted in content/blog

... and providing customized financial planning advice since he started working in the investment industry 14 years ago. Mr. Braid earned a BS in Finance from Robert Morris University, an MBA from Cleveland ...


Created on Tuesday, 14 May 2013. Posted in content/blog

... the last 30+ years, sending roughly $20 billion per month into bond mutual funds.  Going back to 1975, the Barclays U.S. Agg Bond index has had an average annual return of 8.15% and only two negative ...

How do Financial Advisors get Paid?

Created on Thursday, 18 October 2012. Posted in content/blog

... over the years who didn’t understand how the commission structure of an annuity worked, I would have at least a few hundred extra dollars in my bank account. I have met with hundreds of investors over ...

When The Bond Market Blows Up

Created on Wednesday, 23 May 2012. Posted in content/blog

... extrapolation, hindsight bias and herd mentality to say the least!  According to Morningstar, for the years 2009 – 2011, open-end mutual fund taxable bond assets increased by $680 billion dollars, while ...

Conflicts of Interest in the Investment World

Created on Sunday, 22 January 2012. Posted in content/blog

... expenses and they have no debt.       Hypothetical Clients Sue & Bob   Age:                                                   65 years old Children:                                             ...