Street Wise

March 15,2024 I talk to investors every day; some are clients, some are not.  Inevitably, opinions and expectations are offered.  I try to stay quiet,

The NEW New Power Fund

March 11, 2024 The New Power Fund (NPF) is currently undergoing a remodeling process, and this transition is happening at the perfect time. Please read

Tax Changes are Coming – Part 1

March 3, 2024 by Kristi Sullivan Ahhh, sunsets.  The word conjures beauty, peace, and signals that it’s time to rest after a busy day. Unless

40% Off, Part II

February 22, 2024 I thought I would commemorate this moment with a look back to our popular blog post “40% Off” on October 16th, 2023

Getting Organized and Digitized

Please join us for the next session of our 2024 Wealth Transfer Preparation Solution Series on April 25, 2024 at 3:00 pm Mountain Daylight Time.

To Convert or Not to Convert? That is the Question

January 26, 2024 by Kristi Sullivan No, not religions, although after the holidays spent with warring family factions, some people do question their faith. Last

Mission Accomplished?

January 22, 2024 Every new year in the markets tends to bring a new set of leaders, laggards, and themes.  I always find it helpful

2024 Wealth Transition Preparation Webinar

Please join us on January 25, 2024 from 3-4:00pm for this event which features speaker Dan Mong, where we will discuss topics related to estate

Selling a House is Taxing!

January 5, 2024 by Kristi Sullivan Or is it?  I hear a lot of confusion around taxes upon selling a primary residence. People believe a

Where Are We Now?

December 18, 2023 It’s nice to see the markets finally moving higher in a broad and inclusive way.  Regular readers know that market gains prior

2023 Strategy Insights – The All Season Strategy

November 30, 2023 We are moving on to review our flagship investment strategy called All Season, the brand of our firm and our longest standing

ASFA 2023 Year-End Planning Guide

November 27, 2023 All Season Financial Advisors Year-End Planning Checklist for Financial Success As we approach the end of another year, it’s crucial to reflect

Create Wealth/ Defend It – According to Morgan Housel

November 13, 2023 Create Wealth/ Defend It – According to Morgan Housel You may not have heard of Morgan Housel, the 33-year-old, best-selling author of

Strategy Insights 2023 – Worldwide Sectors

November 8, 2023 Last week I planned to highlight our New Power strategy in this week’s strategy insight, but realized that we have many more

2023 Strategy Insights – Multi Asset Income

November 3, 2023 Year End Investment Strategy Insights – Multi-Asset Income With imperfect consistency, we try to give our clients a peak under the hood

Where Risk and Opportunity Exist in Your Life

October 30, 2023 Where Does Risk and Opportunity Exist in Your Life? When I first started in this business in 1994, I honestly looked at

To Roll or Not to Roll?

October 26, 2023 by Kristi Sullivan Get your minds out of the marijuana plant.  I’m not talking about that type of rolling.  Rather, the pros and

Investor Frustration

October 23, 2023 These are the days that test all of our patience as investors.  These are the days when we feel compelled to act

WTF (What the Finance) Is a Qualified Charitable Distribution?

October 12, 2023                                             

40% Off Rack

October 16, 2023 40% Off Rack I went shopping at our local outdoor store this weekend.  They were having their big pre-Winter sale.  I found

The Last Dance

October 9, 2023 The Last Dance Last week was big for the financial markets.  An event, or series of events, occurred all in one week,

Your Questions……… Answered

September 27, 2023 As we work through our fall client reviews, I often hear the same set of questions and have the same or similar

How Much House Can You Afford?

September 8, 2023 Welcome back to the Back to School for Money series.  Today, we will talk about one of the largest expenses for most

Wealth Accumulation 101

September 5, 2023 Wealth Accumulation 101 Labor Day weekend marks the beginning of the school year for younger households so let’s take this moment to

Other Ways to Save for College

August 28, 2023 Contrary to what you read in the media – and so far this month in my blog – 529 accounts are not

Recent Legislative Updates on Colorado 529s

August 21, 2023 The government just loves to roll out new investment tools and then spend the next 50 years tinkering with the rules.  529

College Planning Month Part 2: Pros and Cons of Using a 529 Account

by Kristi Sullivan, CFP There are a lot of myths around 529 plan that keep people from opening an account.  I’m not suggesting that everyone

Welcome to August! It’s College Planning Month!

August 8, 2023 Welcome to our new Wealth PARTNER TIPS AND RESOURCES communications!  We are very pleased to begin offering our clients gems of wisdom, ideas and

How Smart Investors Manage and Capitalize on Market Volatility

July 31, 2023 This seems like a perfect moment to educate our readers about the realities of market volatility.   Today’s update will focus on this

How Should Investors Adapt to the New Environment? 

July 24, 2023 Let’s begin with our old friend Charles Darwin who famously said, The New Environment Regular readers know the high-level assumptions we are

The Alternative to Being a Landlord

July 17, 2023 The Alternative to Being a Landlord It seems that everyone I speak to these days is looking for passive income, usually in

Mid-Year Checkup

July 3, 2023 It’s been a wild first 6 months of the year with big winners and big losers inside all asset classes.  As I

Recency Bias

June 12, 2023 This seems like an important moment in time for a little investor education.  We’re going to talk about Recency Bias and apply

Banish Your Lizard Brain Part II

May 12, 2023 My apologies for posting this monthly report late. I wanted to get a better feel for earnings and hear what the Federal

Time to Go Big with Internationals

April 6, 2023 Since 2020, we’ve been banging the drum regarding The Big Three Investment Opportunities of the decade.  Regular readers know what I’m talking

Back on the Road to Recession and Related Advice

The markets in March were like watching Russell Crow in Gladiator sarcastically asking the bloodthirsty crowd if they wanted MORE death and despair.  It seems

Everything You Wanted to Know About Cash

February 27, 2023 It’s that time again.  Time to discuss cash and how it fits into your financial life.  Cash is becoming the new sheriff

What’s Working in 2023

  January 23, 2023 As we said in our Year Ahead update in early January, “We might stay open to some dramatic reversals in 2023”. 

Solution Series: Tax Planning for 2023 and Beyond

January 18, 2023 Presented by Will Brennan, CFP, CFAwww.allseasonfunds.com In this episode of our Solution Series, Will Brennan focuses on A review of the recently

The Year Ahead

  January 4, 2023 As is tradition, today’s update will look ahead to significant opportunities and new risks in the financial markets for 2023.  Happy

Key Financial Planning Figures for 2023

  Happy New Year! This year, the turning of the calendar comes with increases to social security, tax brackets, standard deductions, annual exclusion gifting limits,

Real Estate – The Big Picture

December 9, 2022           I am not an expert in Real Estate but have been a macro strategist for the better

The Stockings Were Hung By The Chimney With Care…..

December 1, 2022 The Stockings Were Hung By the Chimney With Care… Why Not Fill Them, With “Valuable” Shares? So clever… This update is directed

The Next Big Thing

November 9, 2022 Regular readers might recall the rollout of our Big Three investment themes in April of 2020. Two of the three are now

From the Playbook – Relief Rally

October 24, 2022 Last Friday’s market action offered investors a clue as to how the market will react when the Federal Reserve begins walking back

“Getting” the Fed and When We Might Expect to See a Market Bottom

 October 12, 2022 by Samuel F Joneswww.allseasonfunds.com        In this episode of our Solution Series, Sam Jones, President and CIO of All Season

Still Jammed Up

October 7, 2022 This market is a lot like waiting in a traffic jam.  It’s never fun and some of us handle it better than

Our Why

October 6, 2022 Wow! What a night! I am still buzzing after our first large group in-person client event since the start of the pandemic.

The Days Are Long

September 20, 2022 But the years are short. As of this morning I have a one-year-old son. How is that even possible? Seems like yesterday

Half Full or Half Empty?

September 6, 2022 August turned into a bit of dumpster fire following the meeting of the Jackson Hole Economic Symposium of Federal Reserve governors.  For

Observations Beyond the Obvious

June 23, 2022 The second quarter of 2022 was one for the record books.  There are a lot of obvious things happening today creating fear

Here We Go Again….

June 13, 2022 As of this morning, the S&P 500 has officially entered into bear market (down 20+%) territory. Inflation is still with us, economic

The Eighth Wonder of the World

“Compound interest is the eighth wonder of the world. He who understands  it, earns it … he who doesn’t … pays it.” ― Albert Einstein

One of These is Not Like the Others

May 26, 2022             Enjoy the holiday weekend everyone! Will

Investing in Scarcity

May 20, 2022 We have returned to an era that is going to be quite different from anything we have seen in the last four

Banishing Your Lizard Brain

May 12, 2022 I keep this on a sticky note on my desk. ____________________________________________ Lizard Brain noun: The part of the brain to which primitive,

Housing and High Dividends

May 9, 2022 As promised, we will be talking about housing and real estate trends in this update. That discussion will segue towards the one

Calling All Cars # – May 2022

  This is a special update for those who are looking for guidance as to when to add to investment accounts.  Details to follow.  Calling

The Gravity of the Situation

April 29, 2022 April is historically one of the strongest and most dependable months of the year for market returns. Obviously, we are making history

One Season Ends, A New Season Begins

April 19, 2022 If you are reading this, congratulations! You made it through another tax season! As one tax season ends, unfortunately a new tax

Change of Seasons – 2nd Quarter, 2022

  Travels with Bennett I’m sure many of our readers have experienced college tour trips with their teenage sons or daughters. I’ve been on the

Best Laid Plans

March 29, 2022 To be overly clear, this is Will Brennan writing this post, not Sam Jones. It was brought to our attention that we

Risk Management 101

As always, stock markets experience corrections, some even turn into bear markets.  As we say in our Guiding Principles on our website splash page, “Risk

Still Bullish on the Big Three Themes

  I was 32 years old in the year 2000, when I was invited to participate in the Denver Post Investment Roundtable talk alongside some

Perspective for 2022 and Beyond

  As many of you know, my wife and I have a four-month-old son at home. Today was a big day in our house—our little

What’s Next?

  Every new year, I find some quiet time and space to just think, observe and research the current condition of all things financial.  My

Getting (Re) Positioned for 2022

  There is a sickness in the market that is becoming more evident by the day.  The relentless selling since mid-November has come as a surprise to

Channeling Buffet for 2022

  Why did I just listen to a nine hour audio book of Warren Buffet’s “Ground Rules”? Get Your Mind Ready Living in Steamboat Springs,

Here’s What I’m Excited About!

  I’m seeing some very exciting developments in the current market.  Things are popping again and there are compelling opportunities in sectors that present current

Change of Seasons 3rd Quarter 2021

  Game On! Thankfully, as the summer comes to close, it seems we are getting back into the game established around this same time last

Get Ready…Get Set….Wait!

           It seems that our last update regarding what to do in the event of a correction was pretty timely.  Now,

Responding to the Next Market Correction

       This is an important update for any and all investors.  We offer this advice in the vein of financial literacy such that

Summertime Observations and Perspective

            As August comes to a close, I like to reflect on some observations and perspective gained through casual conversations

Miserable Conditions and Opportunities

  Today we’re going to reflect back to the days of presidents Nixon, Ford, and Carter from 1969 to 1981. Of course, this was an

Mid-Year Market Update

  Yes, it’s that time again and I almost hate to add to the pile of market commentary out there.  But you asked, so we’ll

Has Our Investment Thesis Changed?

                There are all sorts of quips about investors and market trends.  One that comes to mind now

Reading the Tea Leaves Behind Crypto

  To most retail investors, the financial markets today might seem to be operating on a Business-as-usual basis. After all, stocks are trading close to

Deep Thoughts on Your Cash Position

            Good Americans are sitting on more cash right now than any time in the last several decades. It’s hard to get

If it Quacks Like a Duck

  Inflationary pressures are quacking. We’re going to talk about inflation today and what it means for investors and spending decisions. The ramifications of what

American Rescue Plan Act of 2021: Planning Opportunities for 2021 and Beyond

A review of the recently passed American Rescue Plan Act of 2021 to uncover planning opportunities for 2021 and beyond.

Change of Seasons 1st Quarter 2021

           For all our new clients who might be unfamiliar, Change of Seasons is our quarterly update for clients.  Here we

REITS or Rental Property

  For most of the last five years, I have been researching rental properties as a potential means of diversifying my own wealth and generating

Trends versus Trade

  The stock market has officially entered a bi-polar state.   To those who haven’t been paying attention, there are newly established bear markets happening right

Reflation, Reversion, and Recovery 

  Last month, we presented our Investment Themes for our 2021 Solution Series Webcast.  Thus far, they are looking spot on as our themes continue

Client Questions and Our Answers

There are times when we hear the same series of questions from clients during our review process.  I thought this might be a great moment for an old-fashioned Q

2021 – The Year of the “Big Three”

On January 20th, we will be hosting our annual Investment Themes Solution Series for clients and interested parties. Sadly, it will be a webcast via

Strategy Spotlight MASS Income

  Strategy Spotlight – Multi Asset Income (MASS Income)  I teach a capstone class at our local high school for a select group of seniors

Pre Year-End Tax Strategy Checklist

Topics Included: -Tax Savings “To Do” List Before Year-End -Investment Asset Location- Higher Tax Rates on Everything

Strategy Spotlight

  Strategy Spotlight – 2020 Top Performing Strategy (again) – New Power   As we approach the end of 2020, we would like to take

How the Next 24 Months Will Make AND Break Investors

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Are You Ready for a Password Manager

Subjects: Password Manager applications 101 Best practices for cybersecurity Setting up Dual Authentication

Why Investors are Losing Money Now

  Why So Many Investors are Losing Money in a Rising Market  I can’t say that any of this is a surprise. Today, the side

The True Value of a Financial Advisor

There are many reasons why a Financial Advisor is beneficial. The value of finding comfort in tax planning, risk management, estate planning, security, etc. is

Game Plan for the Remainder of 2020

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The Only Chart That Really Matters

  In the last several months, we’ve delivered several important pieces of content for our clients to consider when setting expectations for their investments and

Getting Ready for the Upcoming Wave of Inflation

Topics: Inflation sounds like the furthest thing from reality right now.  But the perfect storm is brewing.  In this webcast, we’ll discuss the current evidence,

Election Correction

  Queue the Election Correction! Well for everyone who is surprised by the market’s decline over the last month, I can only say, you’re probably

Do You Have Enormous Gains In A Certain Stock? What Should You Be Doing Now?

      Stocks like Amazon, Facebook, Apple, or Tesla have all experienced historic price gains in a very short period of time. For those

Microstrategy and Bitcoin

  We are constantly looking for ways to diversify portfolios—non-correlated investment strategies or investments that move differently from stocks, etc. It is a constant battle.

A Reason, A Season, Or A Lifetime

  Warren Buffet is an investing legend.   When he talks, people listen.   Many investors—at least those that don’t blindly buy stock indexes– pay

It’s Time

  As we hurtle through time towards September, I have a familiar sense of dread. Late summer and especially the fall, is historically a tough

Solution Series Webcast June 15, 2020

What’s Next?  Reconciling the gap between the financial markets and economic chaos

Introducing the All Season Podcast – Create Wealth Defend It

      As part of our celebration of 25 years of Trusted Service, we are very excited to formally launch our new podcast branded with our company tag line

Solution Series Webcast June 3rd, 2020

 Required Minimum Distributions – Understanding the new rules and opportunities for 2020.

Website Introduction

As part of our 25th year of offering trusted advice, we decided it was time to overhaul our website. A big thank you goes to

Post Covid-19 Trends in Real Estate

https://traffic.libsyn.com/secure/allseasonfunds/May_27_CWDI_Ep_1_Podcast.m4a Jon Wade, founder, and Owner of the Steamboat Group in Steamboat Springs, CO provides insights into current trends in real estate pricing, inventory, buyer,

New Power Positive YTD and Still Charging

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2023 Client Dinner with Guest Speaker David Hansen

You’re Invited To… All Season Financial Advisors 2023 Client Dinner with Guest Speaker David Hansen! You are cordially invited to join us at the All

May 13th Solution Series

Introducing the MASS Income strategy – Our answer to the passive income puzzle

Solution Series Webcast May 13th

Topics Include: 1.) Why every investor should be measuring their risk tolerance now 2.) Introducing the MASS Income strategy – Our answer to the passive

April 29th Solution Series

  Capitalizing on the continuing age of innovation

April 15th Solution Series

“Alternatives” to bonds in the coming years

Battleground

Battleground After a near-vertical rally in stocks since the lows on March 23rd, we have now entered the real battleground. This is the time and

Never Let A Crisis Go to Waste

Someone important once said “Never Let a Crisis Go to Waste.” It seems to be especially appropriate now.  Let’s dive into that subject looking from

Outraged

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What You Need to Know Now

What You Need to Know Now  Things are moving fast in the financial markets. This is what you need to know right now in brief. 

The Plan

  As we alluded to last week, we are constantly looking to balance the risk and reward in our investment programs. We want to use volatility in our favor, especially where we are fairly

Hansel and Gretel

Hansel and Gretel are one of the classic fairytales from the Brothers Grimm. We all know the story— children, neglectful parents, witch, oven … a

The Durable Investment Portfolio – Investing 101

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What Does Risk Management Look Like When Markets Fail?

What Does Risk Management Look Like When Markets Fail? I used to watch a lot of Star Trek in my teen days. Maybe it was

Tailwind Equity

As the firm celebrates its 25th year in business, I wanted to talk about the new set of investment strategies that we launched in the fourth

Making The Turn

Making the Turn  “Making the Turn” is our company name for any household typically falling in the age range of 61-70.  It’s an important time in life

Riskalyze Announcement

As you may or may not know, All Season Financial Advisors is celebrating its 25th year in business.   Even after 25 years, the company continues to

What Is Driving This Market?

What is Driving This Market? I wish I could say it was a strong economy– or strong earnings– but I can’t.  Those who made our

The Builder

Who is a Builder?  “The Builder” is our company name for any household that typically falls in the age range of 40-60.  Typically, these households are

When Is It Time To Switch Investment Strategies?

At some point in time, investors ask themselves this tough question. It’s understandable considering how much emotional currency we place on our own perceived success

Three Days To Get These Done

Three Days to Get These Done  My desk is full of “to-do” lists.  As I crossed off my final item, I thought I would share

Unconventional Thinking

Unconventional Thinking – Future Return Expectations  We are going to break our rules a bit with this update and do some forecasting as we head toward the end

Rotten Apples

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In Most Cases Stocks Are a Waste of Your Time

I get the appeal of owning shares of a specific company.  Some part of our ego gets a little endorphin shot when we say, “I

The 3 Biggest Opportunities For Investors

It’s been a while since we provided an update on our long-standing “Big 3”.  I hope our regular readers are nodding their heads in that

Investing in Next Gen Companies as a Next Gen Investor

We’re very excited to rollout out our Next Generation services as we move into the 2020s.   Today, while avoiding a complete spoiler, we’ll give

Get Ready For The Next Big Thing In Renewable Energy Investing

We talk a lot about “right place, right time” when it comes to making an actual investment decision.   The environment for investing in energy

Reinvestment Risk Climbing For CDS And Other Savings Vehicles

I’m reading a lot of articles regarding the impact of the Federal Reserve lowering interest rates.   The articles and posts all seem to have

Edgy

Welcome to the 4th quarter of 2019!  If you think the last 22 months have been exciting, just wait for the next 12 months.  

Notable Change In The Market Character

Notable Change in the Market Character Things are starting to change.  The light, colors, temperature, and the financial markets.   There are seasons to everything.

Market Jambalya

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Hidden Costs of Investing

There is a lot of information out there when it comes to investments. More than ever before. Most of the discussion centers around stocks and

All Season Financial Advisors Annual 2019 Client Dinner

Tuesday, September 24, 2019 | 5:30 – 8:30 pm | The Wellshire Golf Course Event Center  – 3333 S Colorado Blvd, Denver, CO 80222 Save

Persistent Markets

While most have been out enjoying time with their families in the meat of the vacation month, myself included, we have seen very little change

Mid Year Update

This video is the First Edition of the Red Sky Report Live, which is a video update of recent market trends and variables.

Mid Year Investment Themes

Given all the cross currents in the market, especially in light of the US economy, political forces, Fed policy and global trends, we thought this

Gain Keeper, The “Right” Variable Annuity for You

We are heading into the heat of the summer here in Denver, and I wanted to talk about everyone’s favorite subject—variable annuities (kidding …).  Annuities

Change of Seasons Report: July 2nd, 2019

Change of Seasons – Why New Power Will Run When You Might Least Expect It. The New Power Fund (www.newpowerfund.com)  is our very unique,  separate

OUR VIEW

Strangely enough, after seeing the fallout from the news of Greece’s failure to come to an agreement with its creditors, I’m left with a sense

On the Rise

Summer is here! The sun is shining. Impending vacations are upon us. Overall, everyone’s mood seems to be on the rise. Speaking of “on the

Three Lies and a Truth

As a spin on the summertime car game of three truths and a lie, we’re going to work through a few realities regarding recent history

Top 5 Mistakes I See Today

We all make mistakes.  It’s not realistic to say that we can be error-free or avoid being wrong. The trick is to recognize when we

Lighthouse Project

Anyone familiar with the ad campaigns from Motel 6? Does Tom Bodett ring a bell? As the story goes, the iconic phrase that runs through

Good Buy or Goodbye?

Since mid-April, we have been talking at length about the sharp rise in market risk from a technical perspective.  May has proved why it is

Tax Efficient Investing

Adapting to the new stock market 

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Hello everyone, my name is Sam and I have a problem.  I like to drink Chai tea in the afternoon.  For years, I hit Starbucks

Changing Allocations Again

This marks the third time since January of 2018 that we are moving incrementally toward a more defensive position with our asset allocations, specifically within

Focus on What Matters With Your Money

Ben Carlson of A Wealth of Common Sense posted another gem this morning.  He hit my radar on the topic of “Overlooked Investment Decisions” which

New Power – 6 years Ago Today

I always remember April 15th as the day we chose to remodel our New Power strategy.  The remodel had nothing to do with taxes beyond

Net Exposure Model Turns Positive 3/29

This is sort of a big deal.  Since late October of 2018, our Net Exposure model has remained stubbornly negative ranging from deeply negative at

READY… SET…

Ready… Set….   It’s been so quiet in the markets of late that we have had just about nothing to talk about, until now. As

Wisdom from Ben

Wow, two updates in one week.  I think that’s a record.  I ran across this article from Ben Carlson who writes a blog, A Wealth

Show Me

Looking back over the last six months, with perfect 20/20 hindsight, we can now see that the 4th quarter mini bear market was effectively a

Investor Returns Over the Long Term – Not What You Think

This is an incredible moment in time.  This week marks the 10 year anniversary of the bottom of the bear market of 2007-2009.  In addition,

Are We Out of the Woods Yet?

That phrase always catches me.  We love the woods here in Colorado – biking, hiking, skiing.  I don’t get it.  Anyway, after a near vertical

LITTLE JIMMY

As we suggested last week, it looks like January 30th was a meaningful short term bottom for the US stock market.  Buyers are stepping up again

Another All Time New High

Well it’s that time again.  Time to flex.  This week, both of our High-Income strategies moved out to all time new highs net of all

Half Full/ Half Empty

I must admit that the rally off the lows in late December has been impressive.  We expected some sort of a rebound rally from the

We Told You So

We Told You So.. and We’ll Tell You What’s Next We really try hard to tell our clients and interested readers when conditions are changing,

Tax Cuts & Job Act

The new tax rates in the upcoming years and how each tax bracket will be affected 

Calling All Cars – Part II

What a treat, we get two opportunities to add money to our passive accounts in 2018.  Our first notice was on November 1st with instructions

BIG PICTURE DECISIONS AND PIRATE NINJAS

Many of my conversations with clients in the last month seem to have a common theme. Specifically, the issues can all fit under the umbrella

Opportunities Away From Stocks

Experts say diversification is one of the only “free lunches” in the investment business. Well, October felt like we were back in the middle school

This is What I’m Excited About!

After 25 years of managing money, it’s actually hard for me to get excited about much when it comes to the markets and investing.I really

If It Walks Like a Duck

I’ve received a lot of positive feedback from our last post titled,  “Exit Stage IV”.  That tells me that our readers are hungry for more

Exit Stage IV

There is a lot to be said for the regular practice of identifying stages of the business cycle.  Regular readers know that we lean on

Big Bold Investments

We are seeking “Success” over a reasonable “Judgment Period” by knowing when to embrace and reject conventional wisdom regarding perceived market trends, “Risk” and opportunities.

October Free Fall – One for the Record Books

“A bad month. The S&P suffered 16 negative days in October, tied for 3rd worst since 1928 and the most since 1970. The pressure was

Calling All Cars!

Yes, this is the notice you’ve been waiting for.This is that all-important time zone when we should add some new money to our investment accounts

Developing Opportunities

Taking losses is painful, especially in the short term. Emotions run high. Sometimes there is even a physical reaction as we extrapolate the worst. While

The New Investing Environment

Well, here it is.  The market environment has changed as our Net Exposure model indicated earlier this month.  The “change” is really making it more

Will “Buy The Dip” Work This Time?

While we’re always big fans of buying anytime there is a discount, or a reasonable looking entry point, it appears to be too early to

When Expectations and Reality Don’t Agree

Bull market tops are messy. They can last a long time spanning 6 months to almost 2 years. We’re in that period of time now

Extreme Behavior

Every day, I find something that just blows my mind. Today I found four things.  Two are just illustrations that support some of our recent

UNCONVENTIONAL WISDOM – PART 1 BILLION

Unconventional Wisdom – Part 1 Billion Regular readers know this is one of my favorite subjects.  I’m hearing way too much consensus thinking now to

ADVENTURES IN PARENTING – LESSONS I LEARNED HELPING MY TEENS INVEST

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FINDING VALUE

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IF NOT NOW, THEN WHEN?

If Not Now, Then When? I’ve been managing money for a long time, 24 years to be exact.  When you do anything for that long,

MARKET WAKING UP

Update on Three Opportunities Well, it’s been a very dull month in the financial markets since our last update on July 12th, and I know

INVESTOR FRUSTRATIONS (INCLUDING OURS)

Investor Frustrations (Including Ours) These are the hardest types of markets for experienced investors.  Count us in the camp of those who are maxing out

LOOKING BACK – LOOKING AHEAD

Looking Back It certainly has been an eventful first half of the year.  There has been a lot more movement in markets— both up and

STOCK REBOUND IS FAILING

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BLUE LIGHT SPECIAL

When I was a kid I remember “blue light” specials at K-mart. If you remember, the concept was to spark customer buying by offering a

YOUR CURRENT INVESTMENT STRATEGY SHOULD BE CLEAR

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BACK TO A WINNING WORLD

Back to a WINning World Gerald Ford brought the acronym, “W.I.N.” to the American public encouraging thrift and savings in the administration’s fight to Whip

INVESTING IN CLIMATE SCIENCE RECAP

Investing In Climate Science Recap A huge thanks to all who braved the trip into Boulder to attend our first off campus Solution Series, hosted

INVESTING IN THE LAST 12 MONTHS OF THE BULL

Investing in the Last 12 Months of the Bull Despite what is becoming a consensus view that the bull market is over, we see compelling

LEADERS AND LESSONS

Leaders and Lessons Since our last update, “Calling All Cars” when we suggested the technical set up for the market was good enough to invest

CALLING ALL CARS – RECOMMENDATION TO PARTIALLY ALLOCATE NEW MONEY (CASH)!

Calling All Cars – Recommendation to partially allocate new money (cash) It feels like it’s been a long time since we’ve had any chance or

ENTERING THE BUY ZONE?

Entering the Buy Zone? I’ll be brief and to the point.  The markets are now approaching another potential inflection point. Wise investors will be on

CHECK YOUR PULSE

Check Your Pulse Now that March is behind us and the markets have finally done the unthinkable act of going down over the course of

CRAZY TALK

Crazy Talk      I found myself shaking my head over breakfast while reading this article.   I couldn’t disagree more with most of it, but

WHERE ARE THE OPPORTUNITIES TODAY?

Where Are the Opportunities Today? It’s sort of bizarre for me to hear how so many are planning to just “sell everything” or may have

VERY IMPORTANT MOMENT FOR MANY MARKETS

VERY Important Moment for Many Markets           I haven’t written in a while because there has been nothing new to write about.  The

PREDICTABLE MARKET PATTERN SO FAR

Last Friday, we finished our market update with the following statement. If you’re looking for markers, it would be likely that the S&P 500 would

WHAT IS THE RECENT MARKET DECLINE TELLING US ABOUT THE FUTURE?

Most investors tend to pay way too much attention to price changes in the major stock benchmark averages.  Often times, I get a funny look

JUST WHAT YOU NEED TO KNOW RIGHT NOW

Last week was a hard down week for global stocks.  You’re anxious.  Here’s what you need to understand right now. Just the Facts The US

WHERE ARE WE? A CURRENT READ ON THE BUSINESS CYCLE

After listening briefly to some of the State of the Union address, I found myself wanting to do a little check up on where we

LESSONS FROM HISTORY

Adding to our “melt-up” commentary from the last update, this is an appropriate time to look back at the financial history books. Remember, those who

THE LIGHTHOUSE PROJECT

Is your portfolio prepared for a storm? What risk management triggers do you have in place? What variables are you monitoring to ensure your exposure

MELT UP AND THE BEST INVESTMENT FOR 2018

I really hate click bait and I apologize for that title. But it’s time to pay attention again. Trends in the financial markets are really

SPECIAL UPDATE FOR 529 COLLEGE PLAN SAVERS

We have waited and waited all year long for a market discount to arrive offering us an opportunity to engage our long-standing 529 Investor program.

CLIENT DRIVEN Q AND A

Client Driven Q and A (Continued) Of course, any conversation these days with clients can’t finish without discussing the BIG question;  What’s going to happen

WILL TAX REFORM BE GOOD FOR THE ECONOMY?

By clicking through to the story, you agree to a short but painful lesson in economics and a surprising answer to the question! Tax Reform

BEST GUESS ON TAX REFORM

Welcome back from the Thanksgiving holiday. It’s always a favorite and I hope everyone had a chance to get a little goofy with friends and

ARE YOU ELIGIBLE TO INVEST IN STOCKS?

Based on valuation levels today and the true “Risk Capacity” found among investors, most households would probably not qualify to own stocks in any significant

BIG NEW INVESTMENT OPPORTUNITIES

It’s going to be huge! It’s going to be really, really great. Ok, I’ll stop although I can’t imagine publically speaking like that.  Seriously speaking,

THE MAGIC OF THE GAIN KEEPER STRATEGY

The Magic of the Gain Keeper Strategy Continuing with our strategy insights theme, this update will provide a look under the hood at the unique

WORLDWIDE SECTORS EXTREME MAKEOVER ONE-YEAR RESULTS

Worldwide Sectors Extreme Makeover One-Year Results As promised, we’re staying on the theme of providing some strategy updates for current clients as we cross into

10 YEARS AGO TODAY

The final moves up in the broad US stock market last week brought all the bells and whistles of a near-perfect technical push out to

ASFA STRATEGY INSIGHTS

Switching gears a bit, we’re going to spend a little ink working through insights into our various strategies.  Quarter-end is always a good time for

Investment Forecast

The topics of market impact of the new administration

INVESTMENT OPPORTUNITY #3

As the last and final great opportunity, we’re going to give it some extra juice and make it a two for one. Who doesn’t like

INVESTMENT OPPORTUNITY #2

Investment Opportunity #2   Getting back to our three part series surrounding great investment opportunities, you’ll notice a theme developing. The theme is about identifying

WE INTERRUPT THIS PROGRAM…

I was well into my second piece on great investment opportunities when a lot of stuff just happened. Let’s interrupt our series of the Three

THREE BIG INVESTMENT OPPORTUNITIES – PART I

Three Big Investment Opportunities – Part I   As promised, this update will be the first of a three-part series that brings to light three

INVESTING WITH YOUR 20 YEAR GOGGLES FIRMLY IN PLACE

I am purposely writing more these days on topics surrounding return expectations because this is that critical time when investors make a lot of mistakes.

THERE ARE NO SHORTCUTS

There Are No Shortcuts     I read a quote in National Geographic this morning and it got me thinking. This is not an alert

NOTHING NEW

As a reminder to all, the Red Sky Report is delivered on an as-needed basis. Effectively, when there is something noteworthy to report, you’ll hear

SUMMER CORRECTION AND UNAFFORDABLE HOUSING

Wow, what a change one week can make. Conditions are changing very quickly now and this is a good time for an update on the

YOUR QUESTIONS – ANSWERED

Having recently completed our latest round of client reviews with households from many different walks of life, I found myself hearing and answering the same

FALSE ALARM (FOR NOW)

In the last update, we had many indications that the markets were angling toward the typical summer correction following the age-old pattern of “Sell in

I’VE SEEN A LOT WORSE

These days, we’re taking a lot of calls from prospective and existing clients about whether or not this is a good time to be adding

THREE GIANT HEADWINDS FOR THE US ECONOMY

Three Giant Headwinds For the US Economy I could read and research all day every day and never really gain as much true understanding as

FIDELITY REDUCES TRADING FEES

Fidelity Reduces Trading Fees   Fidelity (our primary custodian) has long offered a $2 per trade discount from $9.95 to $7.95 to client’s that have

EVIDENCE AND PRICING PILLING UP

Evidence and Prices Piling UP   In this update, I’ll offer even more evidence that this moment in time is THAT time when we will

TRACKING THE BEAR

Tracking The Bear I mentioned this concept in our recent Investment Forecast in the context of looking for signs of a market top, or more

ACTIVE VS PASSIVE MANAGERS IN 2017

Active vs Passive Managers in 2017   For those who reviewed our 2017 Investment Forecast Presentation, you may recall our sentiment that conditions are ripe for

CUTTING EXPOSURE

Cutting Exposure   In our home, we regularly have those conversations with our teenagers about good judgment. We frame it like this. “Ya know, the

ANOTHER REASON TO READ THE RED SKY REPORT

Another Reason to Read the Red Sky Report   At All Season Financial Advisors, we do our best to communicate effectively. Our regular Red Sky

PUTTING YOUR MONEY INTO MEGA TRENDS

Putting Your Money With The Mega Trends It’s been a few weeks since my last update. That tends to happen around year end. My apologies.

CYBER SECURITY “BRUSH-UPDATE”

Cyber Security “Brush-Update”   **All Season Financial Advisors has not previously been targeted by any cyber-security threats**   Recent events warrant an announcement regarding personal

NEW POWER-READY TO RUN?

New Power – Ready to Run?   It’s been a while since I did an update on our most speculative stock strategy called New Power,

RINGING THE BELL

I am told during boot camp for the marines, there is the ever present option for participants to ring out, meaning they literally walk up

WHAT’S THE RISK

What’s the Risk?   Perhaps a better question is, where is the risk in the market today? I see a lot of herd type investor

ANOTHER SQUALL

Another Squall   It’s been smooth sailing since July for global financial markets, a little too smooth. Now we find ourselves facing another healthy squall

TEACHING MOMENTS

It’s funny to hear and see when investors magically forget their near panicked emotional state of just 45 days ago. Now that the markets have

THOUGHTS ON REAL ESTATE

Thoughts on Real Estate     Many of our clients are getting caught up in the real estate “thing” again. I think it’s time to

$9 TRILLION REASONS

$9 Trillion Reasons   Today, the widely anticipated commentary from Janet Yellen was delivered. I listened to the majority of her statement, until I couldn’t

THE QUESTION

There is one question I am repeatedly asked now and it’s a good one.   Is It Too Late To Get In?   That’s the

THE SURGE CONTINUES UNTIL…

Many are calling this breakout to new highs a new bull market.While we can call it whatever we’d like, the price action we’re seeing today

THE LONG HOT SUMMER

Is there such a saying as 26th time is a charm? Doubtful. Yes, after 25 unsuccessful attempts by the S&P 500 to break and hold

THE NATURE OF THE BEAST

So now we’ve seen another reminder of what happens to markets when investors panic. Last Friday was a beast of a day throughout stock markets

JUST WHAT WE NEEDED?

No really. As I’m watching global stock sell off by 3% accompanied by all but bonds, gold, the US Dollar and the Yen, I’m realizing

UPSIDE DOWN(SIDE)

There’s a lot I don’t like about the market action since my last update on 6/8, which admittedly had a bullish tone to it. Such

ANOTHER SURGE?

The market seems to be angling for a break out to new highs; in some cases it has already done so. Just when it had

IF I WERE THE FEDERAL RESERVE

The Federal Reserve is talking again, working hard to (re)convince the financial world that rate hikes are still possible and coming soon. If we believe

MAY THE 4TH BE WITH US!

You might not have known that yesterday was National Star Wars day. My kids assured me. One went to school with green tape on his

WHY PAY AN ASSET MANAGER? – RISK VERSUS RETURN PART II

It’s so predictable to see the same financial headlines every time the market bounces back up to the old highs. Why pay an asset manager

FALSE EXPECTATIONS

So I’ve been waiting for the right opportunity to say this for quite a while. I think the time has come. Investors have been deceived

CHANGE OF SEASONS QUARTERLY REPORT L 1ST QUARTER 2016 – MAKING THE TURN

The purpose of this quarterly report is to help guide our current and prospective clients specifically regarding the design, methodology, and process behind our investment

FROM THE TOP

As we know, the view “from the top” can be quite different. Today, we find the US stock market again approaching our previous tops made

LOW HANGING FRUIT

Investing is never easy and there really is no such thing as low hanging fruit. But there are times when valuations are stretched to the

ANOTHER IMPORTANT MOMENT

As promised, we’ll continue to send out timely information with this Red Sky Report on an as needed basis.Since the middle of February, when the

GETTING CLOSE

It’s been a good couple weeks for the global financial markets in an all-inclusive way. Stocks, bonds, commodities, oil, gold, and high yield credit have

RESISTANT

There is probably one word that describes what I see happening in this market. That word is RESISTANT.   Buyers Still Resistant   After a

READY TO ACT

There are times when we need to be ready to act with our financial assets, whether we talking about investment choices, loans or cash. I

WE’VE GOT THIS

My youngest son is putting grey hair on my head. He loves to do big jumps in ski terrain parks, launch huge rocks and make

BIG CHANGES

There are some big things happening in the market suddenly. If they hold and persist, investors will have many more options to make money in

2016 BEST BETS – PART III

Before we get too far into the year, we need to get out one more edition of our 2016 Best Bets series. The focus for this update

The bear market that began in late December is following the script of previous bear markets pretty closely including a very predictable short term low

WWBD?

Bear markets push our buttons. They shake our commitments, our conviction and our investment compass. They lead us emotionally to that dark place where we

CHANGE OF SEASONS QUARTERLY REPORT | 4TH QUARTER 2015 – THE YEAR FOR ACTIVE MANAGEMENT

The purpose of this quarterly report is to help guide our current and prospective clients specifically regarding the design, methodology, and process behind our investment

SIGNS OF A WASHOUT

These are the hard days for investors. We all want to pull the plug, sell everything, cut and run. Fear and doubt start to creep

2016 BEST BETS – PART II

After what now appears to be a very timely Part I update pointing to lower prices in the first quarter of 2016, let’s now move

2016 BEST BETS, PART I

After spending thousands of hours working to make money unproductively, we’re more than happy to close up 2015 and are looking forward to the next

REACTION TO THE FED

Market volatility is on the rise with 200+/- point days on the Dow becoming standard. The market has taken back all of the short term

GET READY TO ACT IN 2016

In 2014, when I first broadcast the notion of this year being a “Transition Year”, I probably understated what we’re actually seeing today. We have

SAVED BY THE BELL

As I mentioned Thursday, “If we don’t see a quick rebound in stocks like tomorrow or early next week, the weight of this evidence will

THERE IS NO BELL

Knowing when to sell is always the hardest thing about investing. After years of rising prices, we all have a sense of worry about pending

WRAPPING UP

Thanksgiving weekend sort of marks the beginning of the end of the year for me. It acts like an intersection where we look both ways

A FEW STRATEGY CHANGES

This update is more of an FYI piece regarding two of our strategies, specifically the New Power Strategy and the Foundations strategy. The intention is

BACK ON THE EXPANSION ROAD

It has taken the US market two months to recover from the deceptive path laid out by Janet Yellen and the Federal Reserve at their

REPEATING THE PAST

In late September, when the market was retesting the August lows, I made the comment that the situation, timing, price patterns, investor sentiment and smell

CHANGE OF SEASONS QUARTERLY REPORT | 3RD QUARTER 2015 – RELATIVE RETURNS

The purpose of this quarterly report is to help guide our current and prospective clients specifically regarding the design, methodology, and process behind our investment

MAKE OR BREAK POINT

Well, the rebound rally from a successful retest of the August 25th lows has been predictably large from a market perspective but as I suggested last

WHAT YOU SHOULD BE THINKING AND DOING NOW

This update will be directed at your mind which no doubt has a lot of little voices stirring around.  Find yourself in the paragraphs below.  

SANITY

These are the hard days.  When stocks are down, portfolios are down, the world is down and headlines speak of nothing but The End.  How do

MORE WARNINGS…

As I mentioned a week ago, the US stock market gave us all another opportunity to cut out weaker positions or upgrade as desired with

STICKING WITH STRONG DEFENSE

Sticking With Strong Defense.. But Making Our Shopping List   Since the Federal Reserve spiked the punch bowl last Thursday, we have seen nothing but

GENTLE REMINDERS PART II

Investors will be holding their collective breaths over the course of the next week or so.  The markets have moved back up to the top

WHAT NOW?

Here’s our quick take on what just happened with the Fed and what we might expect looking forward including the market’s reaction so far. Foreign

RATE HIKES…A NECESSARY EVIL

All eyes are on the Federal Reserve this week. Will they raise rates on Thursday or not?  It’s important to understand what’s going on now,

CLEARING UP

Today was another ugly day, capping off an ugly week for stocks.  Thus far, everything we see is still constructive toward the development of a meaningful

INFLECTION ZONE

The markets seem to be marching to the script pretty well with the healthy rebound off the lows of last Tuesday.  We sent out a

IT’S ALL RELATIVE

Another quick update for everyone.  We know you have very short term concerns so here are some comments regarding the market, performance and our plans

YOUR QUESTIONS & CALLING ALL CARS!

The long awaited correction in global financial markets is in full swing now, fear is at a maximum and selling just to get out has

BUYER IN THE HOLE?

Looking back over the last 12 months, we can see the market has been working hard to get ready for this widely anticipated event next

SUPER SELECTION

The word is out; the markets are under selling pressure and prices are down, down, down.  Well, at least the vast majority of prices, indices and

CHANGE OF SEASONS QUARTERLY REPORT 2ND QUARTER 2015 – BEST FIT

2nd Quarter 2015 | “Best Fit” By Sam Jones, President The purpose of this quarterly report is to help guide our current and prospective clients specifically

SHAKEN BUT NOT DISTURBED

I have taken a few calls of concern from clients in the last month or so.  The questions are about what if scenarios with China,

NOT MY FAVORITE

As I said last week, the markets were “On the Edge” where buyers would either step up to support the market or we would have

ON THE EDGE

After six months of very junky action in the world’s financial markets, it’s safe to say that investors are getting tired and frustrated.  As of

CROSSING WALL STREET, PART II

Back in the late 90’s, I ran a series of articles and presentations called, “Crossing Wall Street… and learning to look both ways”.  I should

MY JOURNAL

I keep a journal of my market thoughts and observations each day.  It’s just a cheap bound writing journal book like any you would use

WANNA PLAY A GAME?

Here’s the deal.  You have a one in six chance of winning.  It costs $10 to play and you have the chance to win $1Million

OUT OF BALANCE PART II

In 2014, we conducted one of our Solution Series webcasts called “Getting Out of Balance”. The webcast was predictive at the time suggesting that investors

STILL ON THE TREADMILL

For the moment, the widely heralded breakout to new highs on the 24th by a select few stock indices may have been just another short visit

CONGRATULATIONS TO THE NASDAQ COMPOSITE?

Last Friday marked an important day in the financial markets – to some.  On that day, the Nasdaq Composite finally made an all time new

GET OUT THE MAP

As I happen to be traveling across the great deserts of the west in Utah and Arizona for our family spring break mountain bike trip,

ANGLING TOWARD SUCCESS

We began 2015 with our Change of Seasons report describing in absurd detail, how our investment process works.  Specifically, that report started with a big bold statement

A BREATH OF FRESH NEW HIGHS

Janet Yellen and the Federal Reserve must be terrified of saying the wrong thing.  So much so in fact, that they continue to tell the

THE TWO ARMED ADVISOR

We’ve all heard the joke about the quest for the one armed advisor – The one who will give us advice without saying “on the

A TOAST TO DARWIN

One of the things I truly cherish about our methods and style is the flexibility it offers when market conditions change.  Last week, I suggested

WONKY

Would you believe I was on an airplane last Wednesday evening after meeting with a dozen or so clients in Denver, Monday and Tuesday and

CHUGGING HIGHER

New Highs for the markets last week and a major shift in leadership to go with it.  This appears to be the rotation into late

THE PLOT SICKENS

If you didn’t spend the time to read last week’s Change of Seasons report, you should do so.  At the request of our advisory board, made

QUEASY MONEY

With the exception of the Federal Reserve in the US, Central banks across the world have embarked on an almost unified effort to stimulate their

CHANGE OF SEASONS QUARTERLY REPORT | 4TH QUARTER 2014

The purpose of our year end update is to help guide our current and prospective clients specifically regarding the design, methodology, and process behind our

2015 SO FAR

As one of our clients opined recently, “I knew I would need to buckle up a bit this year but didn’t expect I would need

PART III 2015 FORECASTS – BACK TO THE FUTURE

Slipping just under the wire with my final post on 2015 forecasts, I’d like to cover what I see as likely investor sentiment and behavior

POTENTIAL MARKET PATTERNS FOR 2015

Continuing on our series of forward looking wild speculations about 2015, this update will be about timing and possible price patterns.  Clearly, this is reckless

THEMES FOR 2015

And so it begins, themes and forecasts for the New Year.  As usual, December will be a month to sponge all the prognostications and form an

WASHING OUT

While we were all sitting around rubbing our bellies last Friday, the financial world not so quietly turned meaningfully.  Energy and the commodities complex may

ALL THE TRIMMINGS

Managing your money without a well-defined risk control system is a bit like Thanksgiving dinner without any of the trimmings.  While the markets are exploding

REVELATIONS

Don’t worry, I’m not going to get biblical on you with this update.  But, I do have several market and personal finance revelations to share

THE FOG OF WAR

Statistically and emotionally, the market action last week put to rest many investor fears, specifically those questioning whether the bull market in stocks was still

REASONABLE DOUBT

The current bull market, now in its 6th year of existence, has been called the least respected of all bulls.  Investors simply refuse to give it

BUYER IN THE HOLE!

Well I can’t say that last week’s rebound rally was a surprise after all the positive technical set ups we saw on 10/15 (listed last

WATERSHED WEDNESDAY

Yes, they are already coming up with cute names for the latest round of panic in the financial markets – last Wednesday.  I think Watershed

CHANGE OF SEASONS QUARTERLY REPORT | 3RD QUARTER 2014

The purpose of this quarterly update is to help guide our current and prospective clients regarding the design, purpose and results of our various investment strategies.

OVERWEIGHT RISK MANAGEMENT

Yes last week was ugly and yes everyone has the same question – Is the Bull Market Over?  While our heart rate quickens and we become

THEMES

The longer I’m in this business, the more I recognize the importance of investing with the dominant themes of the day.  I’m going to talk a

PRICED IN?

Did I mention that September is typically a tough month for investors?  This one has been no fun.  Thankfully, in the process of 10-15% declines

PLANNING AHEAD

Today is the fall Equinox, the official first day of fall.  For the cosmically inclined, this is a day of balance with equal emphasis on high

GRINDING THROUGH SEPTEMBER

September is living up to its reputation as a tough month for investors.  While the S&P 500 and other “benchmark” indices are still trading within

CHANGING OF THE GUARD

Last week, the S&P 500 closed solidly above he 2000 level for the first time in history.  Last week also marked the 2,006th day of rising

A DIRTY SECRET

Why is it that Sept and October are two of the toughest months for investors with such radical differences between winners and losers?  It wasn’t

PARTY LIKE IT’S 1999

For those in my age group, you remember don’t you?  Prince?  party like crazy because it was all going to end once the clock hit

THE SEARCH FOR GROWTH

While short term price trends sometime make us nervous with the potential for periodic losses or worse, stock investors are generally always on the lookout

PERSPECTIVE

What a mess.  Big headlines in a time when traders are on the beach during a natural soft spot in the year leads to the

HERE WE GO?

If you are thinking that means going into a massively destructive bear market, again, the answer is no.  If you are thinking that means the

SHIFTY

This is a confusing market to many investors, and with good reason.  For as many times as I hear analysts suggest that the markets are

POKING THE BEAR

The US stock market started into a new correction pattern on the 3rd of July and that condition remains the same today despite some marginal

RISK CONTROLS

“The financial system cannot absorb unlimited money forever without adverse consequences, but the current environment may last a lot longer than most of us expect

JACK BE NIMBLE

Understanding that “Jack” is a street term for money, you might appreciate the pun.  I believe we have entered a market environment where there is

HANGOVER YEAR

As the first quarter of 2014 comes to a close, I can’t help but feel like the financial markets are behaving as if freshly awaking

FEAR AND OPPORTUNITY

After 3 days and a mild 3% correction, investors are now remembering what it feels like to lose money in the stock market.  It’s been

2014 “CALL”

January is the most interesting month of the year for investors, at least it should be.  It’s like a “call” in any card game when

GULP AND GARP

Well I can’t say that I’m that surprised with the start of the year beginning negative for stocks – now down a bit over 1%

FORECAST FOR 2014

Being Wrong and Staying Wrong Before I get into this year’s forecast for the market, let me say a quick comment about humility as an

HO, HO, HO…HUM

December is typically a good month for stocks and I don’t expect any real upsets this year.  Some are beginning to wonder as the start