How quickly time flies! The first half of 2019 is over. The investment markets were volatile as both stocks and bonds delivered strong returns. We continue our commitment to helping you preserve your assets and protect your lifestyle. Our mission includes providing you education, advice, and perspective on retirement and investment planning. We are focused on you, your family, your goals and are committed to providing you thoughtful planning coupled with a personalized investment plan.  

This month’s The Guardian Standard Newsletter discusses part 4 of our 4-part series on investing and the stock market. We also discuss our 2nd Quarter Investment Commentary and education planning tips.  Enjoy!

Understanding DRAAMS- Part 4 of 4

In parts 1-3 of this investment series, we discussed the volatile, side trending stock bear market of 1965 to 1982. Then we discussed the multi-decade trend of declining interest rates and last month we discussed the similarities between the United States and Japan. We wrap up this 4-part series discussing our investment management platform: DRAAMS (Dynamic Risk Asset Allocation Management Sleeves). This platform allows GFP to navigate a complicated and constantly changing investment environment while providing a flexible and dynamic approach to portfolio risk management.

As we continue to educate you and fulfill our role as your personal fiduciary, we hope part 4 of 4 provides you helpful knowledge towards fulfilling your long-term lifestyle and retirement goals. Click here to view the article.

"Everything went up"- 2nd Quarter Investment Commentary-

The first half of 2019 saw robust gains across most asset classes, but it certainly wasn’t a smooth ride. Global stock markets got a jump start on the year thanks to progress in U.S.-China trade negotiations and a newly “patient” Fed, but an abrupt breakdown in the trade talks (announced via Presidential tweet) spurred a sharp market sell-off in May. Stock markets subsequently shook off their swoon in June, rebounding on expectations of Fed rate cuts later in the year and (tentative) signs of re-engagement on the U.S.-China trade front.  

The S&P 500 hit a new high near the end of June. Large-cap U.S. stocks shot up 7.0% for the month—their best June since 1955. They were up 4.3% for the second quarter, and a remarkable 18.5% for the first six months of the year—their best first half since 1997. To read the full article, click here.

Education Planning 101

With back to school starting next month, this is a great time to discuss education planning. With the cost of college soaring, thinking about how you will pay for college may feel like a daunting task. Our best advice is to start planning sooner rather than later. The greatest advantage you have is time, and even saving a small monthly amount can make a big difference in the long run. We have attached an interactive guide from Fidelity. It educates you on the four most commonly used savings accounts, the pros and cons of each, and even discusses their impact on financial aid. If you don’t know where to start, this guide is a great place. Click here to view the guide.

Have questions? Please contact us at 949.771.2969 or contact us here.