Perspective
June 28, 2022 We sent the following note to clients on June 17th. Stocks* are down since the beginning of the year (another 6% since my note in early May to put their decline from their peak at 23%, which is the average selloff for US stocks over time in non-recessionary environments, Ned Davis Research), […]
Indigestion
May 25, 2022 We sent the following note to clients on May 9th. The mood around stocks throughout 2021 seemed to be “comfortable” and seems to have shifted to a mixture between “nervous” and “hopeful.” Whether we need to go through a “desperation” phase or not remains to be seen. The two main pieces […]
This is Not Normal
January 24, 2022 I hope this letter finds you well. As I write to you, I am reflecting on how dramatically the world seems to have changed in just the first three weeks of 2022. Conversations seem to have shifted away from Covid and are centering more now on the increased prices we are […]
Crypto Considerations
by Barry Brindise, Financial Planning Director, Brightwater Advisory If you have been watching the news recently, you have heard the words, “Bitcoin”, “Blockchain”, and “Crypto Currency”. As a result, we wanted to share the following information with our clients to help answer questions you may have about these investment vehicles and their growing popularity. What […]
Spreading Out
We sent a letter to clients in January and I am sharing an edited version in which I would like to cover the following items in this note – Markets & Portfolios – added small companies; some core metrics Planning – “Donor Advised Fund” for strategic philanthropic giving and tax planning Further Reading Markets and […]
Donor Advised Funds
We have had increasing questions and interest from clients for Donor Advised Funds and we continue to be intrigued with their possibilities in financial planning, tax planning, life planning and practicing generosity. The following is an excerpt from our fourth quarter Brightwater Advisory Client Letter describing DAF’s and how they work: There are plenty of […]
Four Truths of Investing – Client Letter
Life has been unnatural and shows no signs of lifting for the foreseeable future, at least in Florida. I want to cover the following items in this letter – Four truths of investing Know thyself Certainty of technology Role of stocks What we at Brightwater have been doing Housekeeping Health My Morningstar Advisory Board meeting […]