ESG Investing, Fee Only Financial Planning and Retirement Planning services, provided by a Certified Financial Planner (CFP)
World of Shocks & Fiscal Excess
Looks like our dear friend inflation might not be dead after all. Slok at Apollo says that Fed will have to spend most of 2024 fighting inflation. Are we about to repeat the same old inflation waves as we have in the previous century?
The Nasdaq, peaked during the last tech frenzy, on March 10, 2000 and the downside risk was approximately 50%
On March 8, 2024, the 3rd Wave, on the Nasdaq Index, was 50% completed, which implies that a reversal of trend should be imminent.
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With a financial plan, you have a better chance of closing your own personal wealth gap.
Welcome to our Fee Only Financial Planning & Fee Only Retirement Planning Services website, which is fully functional in all languages.
Making sense of the chaos created by the Central Banks, growing the Money Supply greater than the long term growth rate of the economy: How risk intelligence positions you and your family for success.
Have a financial goal but not sure how to get there?
Having a plan helps you make the right decisions when it comes to market volatility or even making big purchases. It helps you stay on track.
Our Mission, to help folks reach their financial goals, by first implementing a Budget, which will be sustainable during these Inflationary times
Our Comparative Advantage, is that we have been a continuously licensed broker from the mid 1980s until 2011, pricing in Canadian dollars which is approximately 35% lower than the USD and utilize Technical Analysis and Elliott Wave Analysis, to determine the Directional Trend and Strength of that Trend. This is the same Investment Research approach used by a Nasdaq firm, as above link illustrates.
Using Morningstar's Encorr, institutional grade portfolio optimization software, to do asset allocation based on derived return and risk.
Nearly all of the decline in the S&P 500 in 2022 was due to the P/E multiple declining from about 25x to 18x as future confidence declined and required rates of return increased. In the 1970s, P/E multiples declined from 20x to 7x as short-term Fed Funds rate went from 3.5% to 13% and ultimately as high as 20% under Fed Chair Paul Volcker in the 1980s. That was quite a rough economic period!
Debt sharply increased in both 2020 and 2009 in conjunction with economic downturns. Historically, debt levels compared to GDP tend to increase as little as 4% and much as 15% in the five years after a global recession has ended.
In the U.S., public debt-to-GDP is set to reach a record 134% by 2027.
The Congressional Budget Office (CBO) projects that interest payments will total $663 billion in fiscal year 2023 and rise rapidly throughout the next decade — climbing from $745 billion in 2024 to $1.4 trillion in 2033. In total, net interest payments will total nearly $10.6 trillion over the next decade. Relative to the size of the economy, interest will rise from 2.7 percent of GDP in fiscal year 2024 to 3.7 percent in 2033. The previous high for interest relative to GDP in the post-World War II era was 3.2 percent in 1991 — that ratio would now be exceeded in 2029.
Volatility is not constant, but it mean reverts. Volatility tends to stay low for some extended period of time until a market shock occurs.
In equity markets, volatility tends to increase as price levels decline.
During periods of market stress, it is often said that correlations go to one.
Diversification techniques, used during Bear Markets of last 42 years no longer work as it was a declining interest rate environment back then.
Stocks dont typically rise in years when Bonds drop in value as is the case now
The last time the American Bond market experienced 3 down years like the current instance was back in the 1780's.
We offer at a reasonable cost, starting generally at $1,000 Canadian dollars, whether your an American or Canadian, the following high value added services:
A). Fee Only Retirement Planning / Fee Only Personal Financial Planning services. We utilize the Capital Asset Pricing Model, Elliott Wave Theory, Fundamental, Political analysis, Technical analysis & Volatility to justify our asset allocation recommendations. For example, it is imperative to know the current price Trend of any asset and what stage we are at in the current price Trend.
Otherwise, one is just throwing darts. Tossing darts, is easy to do in a Bull market, but definitely not so in a Bear market.
The computer code used in High Frequency Trading systems, is from Technical Analysis.
The firm is not licensed with any Securities Regulator to sell or recommend any security, therefore we will provide recommendations based on asset class weightings derived from securities indexes only ie. Nasdaq Composite etc..;
B). Drafting Investment Policy Statement for Individuals, Charities and Non Profits.
As a trusted partner of both companies and investors, we are driven by an informed belief that Environmental, Social and Governance issues matter and that businesses that incorporate them into their decision-making stand to thrive over the long term.
The companies you invest in could be the antithesis of your ideals. "Are you funding what you are fighting?" That's where environmental, social and governance -- or ESG -- investing comes in. Some jurisdictions are now claiming that consideration of ESG is a Fiduciary Duty.
Water Shortage, is a key Risk going forward.
Where Water Stress will be highest by 2050
C). Divorce and Finances - Divorce Financial Planning for the settlement. It is best to have intelligently made settlements;
D). You may be a portfolio manager, insurance agent, accountant or lawyer with expertise in whatever it is that you do best, but you encounter financial planning issues where you or your clients need help.
We can provide that specialized Fee Only Financial Planning, Fee Only Retirement Planning services expertise on an ad-hoc or ongoing basis.
Working with us can be more efficient than the cost and complexity and trying to develop your own financial planning department internally.
We can provide our services on an exclusive per annum basis , or the prorata amount of that rate on a Part Time basis.
We invite you to call or meet with us, on a complimentary basis, to determine how we might be able to help you.
About Us
John, attended the Business School, at the University of Windsor, across the river from Detroit, Michigan, at the same time as the former CEO of Chrysler / Ferrari / Fiat attended.
The University of Windsor was unique back then, as it had a substantial number of Professors that were leadership in Michigan. For instance, William Paton, CPA of the University of Michigan, who taught Accounting Theory at Windsor and his father developed Price Level accounting decades before.
We had leadership from the Auto industry, who taught about using the Barter trade with the Arab states ie. Dubai UAE and Saudi Arabia, to trade automobiles etc..
John, commenced his career at Davidson Partners Ltd., Investment Dealers , Toronto, Ontario, in the mid 1980s, as a Money Manager. During my time at Davidson Partners Ltd, I did my own fundamental research on various industry sectors .
That was the beginning of computer generated trading and he learned the use of Technical Analysis to enhance returns and minimize losses.
Experience with a complete market cycle, both a Bull and Bear market, should be the minimum required to provide credible guidance to clients.
The principal of the firm, John, has numerous years of experience working in the field of finance. In the capital markets, as a money manager, utilizing his own fundamental research and technical analysis. since the 1980s and 3 market meltdowns.
The financial management (business plans, raising capital & tax risk minimization etc.) of private equity type firms.
Added profit to the bottom line of exporters/importers by providing currency analysis & active management of foreign currencies
Hands on experience in so called alternative investments (farmland, real estate development projects, commercial & residential rentals) building wealth for his clients.
In the meantime, developing an apple tree orchard in the Moncton, New Brunswick, region.
Bachelor of Commerce
University of Windsor
Certified Financial Planner
CPA
Investment Policy Statement
The critical document that must be drafted and approved by the client. A great source about Technical Analysis can be discovered at the Chartered Market Technician Association's site
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