Tom's Insights

Market Commentary

Tom Turner, CFP®

October 8, 2019

Summer has turned to fall, and there’s already a little chill in the air. Three-quarters of the year is behind us now, and both stock and bond markets have had a strong year so far, although we expect to see regular—but normal— bouts of volatility as we progress through the fourth quarter. In its first week October has lived up to its reputation as a volatile month, but it’s important to keep in mind that October actually has been the third strongest month on average for the S&P 500 Index for the past 20 years...

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Managing Your Cashflow - The Overlooked Piece of your Financial Plan

Tom Turner, CFP®

July 23, 2018

Did you ever wonder how people become wealthy from their own earnings? Do they earn well? Usually yes, but not always. Do they invest well? Sometimes, but many don’t. One common denominator is that they spend far less than they earn. While many of the wealthiest families in the U.S. have much of their wealth tied up in the ownership of a business, they still often spend far less than they earn in net income.* It seems they understand this basic tenet of financial planning...

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