Broker Check


Wednesday, July 26, 2017

Chevron announces it's dividend payable September 11, 2017. Why are analysts increasingly nervous?


Monday, July 10, 2017

June brought some definite headwinds to Wall Street, but the broad stock market still advanced. The S&P 500 added 0.48% across the month, even with tech shares selling off. As anticipated, the Federal Reserve...


Monday, May 1, 2017

Chevron Releases Earnings Report What We Learned April 28, 2017 By: Richard Sturm What a difference profits make! That was the sentiment investors were cheering following Chevron’s Corporation’s (NYSE: CVX) earnings...


Monday, April 10, 2017

Quarterly - April Click a hotlink to jump to a specific section: Month in Brief Domestic Economic Health Global Economic Health World Markets Commodities Markets Real Estate Looking Back...Looking Forward --> Click a hotlink to jump...


Tuesday, March 28, 2017

How might the Federal Reserve's rate hike affect your finances? This article explains.


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Monday, March 6, 2017

February was a great month for stocks and a historic month for the Dow Jones Industrial Average. The blue chips closed at record highs for 12 straight trading sessions, a feat unmatched for 30 years.


Monday, January 30, 2017

Chevron Corporation (NYSE: CVX) misses Wall Street expectations. Shares slide.


Monday, January 9, 2017

After a bearish start, 2016 ended up being a good year for the bulls. The Dow Jones Industrial Average sold off 6% in January, dropping below 15,500 as investors worried about sinking oil prices and a slowdown in China’s economic engine.


Monday, December 12, 2016

November was certainly newsworthy, presenting investors with three historic moments. First, Donald Trump won the presidency in a stunning upset that confounded political analysts. Next, the stock market rallied spectacularly...


Sunday, October 30, 2016

Chevron Corporation (NYSE: CVX) released its third quarter 2016 earnings on October 28th. After reviewing the news release, here's what we learned.


Saturday, October 8, 2016

In this month's Economic Update, Richard discusses Social Security and taxes.


Tuesday, August 30, 2016

What should you do if stocks rollercoaster before or after Election Day? This article provides some insight.


Tuesday, August 30, 2016

Do stocks really go through an “election cycle” every four years? Stock market historians have repeatedly analyzed market behavior in presidential election years, and what stocks do when different parties hold the reins of power.


Friday, August 12, 2016

On July 29, 2016 Chevron Corporation released its 2nd Quarter earnings results to the surprise of some analysts who were expecting better news. After reviewing the news release, here's what we learned.


Monday, August 8, 2016

The post-Brexit bounce turned into a sustained rally across July. Second-quarter earnings were not as gloomy as anticipated, and core economic indicators often matched or surpassed expectations.


Thursday, July 28, 2016

CHEVRON announces it's quarterly dividend payable on September 12, 2016. What does this mean for investors?


Friday, July 15, 2016

Worried About CHEVRON Stock Dropping Again? This trading strategy can help you limit your downside risk.


Thursday, July 7, 2016

A wave of anxiety hit Wall Street two weeks ago today. On June 24, 2016, the United Kingdom elected to become the first nation state to leave the European Union. The “Brexit” can...


Sunday, July 3, 2016

Click a hotlink to jump to a specific section: Month in Brief Domestic Economic Health Global Economic Health World Markets Commodities Markets Real Estate Looking Back...Looking Forward --> Click a hotlink to jump to a specific...


Friday, June 24, 2016

The United Kingdom voted to exit the European Union–a move that represents a significant crack in the foundation of the European Union


Thursday, June 9, 2016

Probate subtly reduces the value of many estates. It can take more than a year in some cases and attorney's fees, appraiser's fees and court costs may eat up as much as 5% of the decedent's accumulated assets. This two-part series...


Sunday, June 5, 2016

For years, Americans have been warned about that possibility that Social Security as we know it could go away. Those warnings, however, assume that no action will be taken by Congress...


Monday, May 9, 2016

The S&P 500 managed to advance 0.27% in April as many companies beat earnings and revenue forecasts. Some important commodities posted remarkable monthly gains. Existing home sales rebounded, and manufacturing seemed to have recovered from


Thursday, April 21, 2016

Oil companies, like CHEVRON CORP, have been under increasing pressure to slash their dividends in response to prolonged downward pressure of oil prices. Conoco Philips (NYSE: COP), for example, announced February that they would slash their


Friday, March 11, 2016

After a miserable January, the Dow Jones Industrial Average managed to gain 0.30% in February. While stock markets around the world struggled to advance, gold and oil rallied to a remarkable degree. U.S. economic indicators offered some bri


Tuesday, February 9, 2016

The opening month of 2016 definitely tested the patience of stock and commodity investors. The Dow Jones Industrial Average fell, losing 5.50% on the month. Overseas stock benchmarks also recorded big losses...


Monday, January 11, 2016

On December 16, U.S. monetary policy changed course. The Federal Reserve raised the benchmark interest rate a quarter-point, the central bank’s first upward move since 2006...


Wednesday, December 30, 2015

Recent changes to the Social Security benefit rules have made that date and that number very important, especially for those about to retire.


Tuesday, December 29, 2015

Will you benefit from Congress' Protecting Americans from Tax Hikes Act of 2015? This article highlights some of its provisions.


Tuesday, December 29, 2015

Is a will enough? Depending on your financial situation and the complexity of your estate, other estate planning documents may be necessary in order to avoid probate, and expensive court fees. And since a will generally takes effect afte


Tuesday, December 29, 2015

Tax day is just around the corner! If you're confused about the how the tax code works, you're not alone! This video reveals just how complex our tax system has become.


Tuesday, December 29, 2015

When should you contact your financial adviser? Anytime you have a major life event. This video discusses some of those events.


Tuesday, December 29, 2015

The most common type of retirement income is Social Security. Over 60% of those collecting Social Security admit that it is a major source of their overall income. But will it be enough?


Sunday, December 20, 2015

From our family to yours...


Saturday, December 19, 2015

The Fed recently announce a .25% increase to the Federal Funds Rate. Additional incremental rate hikes may follow in 2016. If you are retired (or soon will be), you will want to consider what gradually higher interest rates could mean for


Thursday, December 3, 2015

The Federal Open Market Committee’s October policy minutes, released on November 18, noted that “most” FOMC members believed that conditions for a rate hike “could well be met” by December.


Monday, November 30, 2015

VIDEO addresses several key statistics concerning your Social Security retirement benefits.


Monday, November 16, 2015

October was the least dramatic month the stock market had seen in some time – no sudden shocks, very little chance of the Federal Reserve raising interest rates, earnings taking center stage. All this was just what the bulls needed.


Friday, November 6, 2015

President Barack Obama signed H.R. 1314, the “Bipartisan Budget Act of 2015” that makes dramatic changes to the way that retirees will be able to claim their Social Security retirement benefits.


Monday, September 28, 2015

Grandparents Raising Grandchildren Coping with the financial demands When many people hear the word “parents,” they picture a couple in their forties... not a couple in their seventies. The reality is that 6% of kids today...


Monday, September 28, 2015

Investors are routinely warned about allowing their emotions to influence their decisions. They are less routinely cautioned about letting their preconceptions and biases color their financial choices.


Monday, September 28, 2015

The S&P is the broad benchmark that economists, journalists, and investors regard as shorthand for the “market.” As the S&P 500 includes about 500 companies, it represents overall market performance better than the...


Monday, September 28, 2015

Marrying again makes estate planning more involved. How do you provide for everyone you love? Should you provide for everyone you love? How do you arrange to transfer wealth in a way that won’t hurt the feelings of certain heirs?


Monday, September 28, 2015

As a young investor, you have a powerful ally on your side: time. When you start saving and investing for retirement in your twenties or thirties, you can put it to work for you.


Monday, September 28, 2015

For many people, thinking about what would happen to their assets when they die is not a pleasant exercise. But if you were to die without a will (called intestate), the laws of your State will govern who will receive your assets, who...


Wednesday, September 23, 2015

Will you be celebrating your 70½ birthday this year?Seems like an odd age to celebrate, right? But if you turn age 70½ by the end of the year, the IRS wants you to gradually pay taxes on the retirement funds you own by...


Monday, September 21, 2015

While no one likes to see their investment portfolios correct, this article just might make you LOVE a market correction.


Thursday, September 3, 2015

Fears about the health of China’s economy rocked Wall Street and other stock markets last month. The Dow Jones Industrial Average lost 6.57% in August, and other major U.S. equity indices followed it into correction territory.


Sunday, August 23, 2015

Friday’s 530 point drop in the Dow barely takes us into the technical definition of a stock market correction since reaching its all-time high in May. Richard Sturm's open letter to clients and friends outlines his observations.


Wednesday, August 5, 2015

The debt crisis in Greece, the stock swoon in China, renewed dollar strength, unimpressive quarterly results from some of the blue chips ... there were considerable headwinds on Wall Street in July, and yet the S&P 500 overcame them,...


Sunday, August 2, 2015

Thinking about borrowing money from your 401(k), 403(b), or 457 account? Think twice about that, because these loans are not only risky but could also jeopardize to your retirement planning.


Saturday, August 1, 2015

Between the ages of 40 and 60, many people increase their commitment to investing and retirement saving. At the same time, many fall prey to some common money blunders and harbor financial assumptions that may be inaccurate.


Saturday, August 1, 2015

While it's true that inflation can affect the performance of some investments, prolonged periods of low inflation can have it's own problems too.


Saturday, August 1, 2015

What might higher inflation (and correspondingly higher interest rates) mean for your portfolio? Under such conditions, your investments may perform better than you think. But caution may be in order.


Saturday, August 1, 2015

Some beneficiaries of the Edison 401(k) Savings Plan took Edison International to court, seeking damages for losses and equitable relief. Here are a few items to consider when reviewing your 401(k).


Saturday, August 1, 2015

Only 48% of Americans say they think they are saving enough. And 30% feel that they are not even slightly confident that they are saving enough for retirement. Here are some tips to help you prepare for retirement.


Friday, July 31, 2015

Which Mortgages Do Professionals Choose?When deciding whether or not to refinance, consider the factors that financial professionals weigh to make their decisions.Many of my clients ask, "Should I refinance now, or see if interest...


Tuesday, July 7, 2015

June brought a significant loss for the S&P 500 (2.10%) and two major news developments. In Europe, Greece defaulted on its International Monetary Fund loans, opening the door to a potential exit from the European Union. Stateside,...


Friday, June 26, 2015

Future generations are more likely to lose their inheritance through lavish spending and poor investment decisions than they are in making wise decisions with the nest egg you provided.


Tuesday, June 23, 2015

Do it yourself may be cheaper, but you could make some serious mistakes.


Monday, June 22, 2015

Opening an Individual Retirement Account (IRA) amounts to an easy “first step” in retirement saving for many.


Friday, June 5, 2015

Don’t let these slip-ups creep into your federal tax return. No one wants to delay their federal tax refund. As you certainly don’t, filling out your 1040 form correctly is essential. Here are some common 1040 mistakes to avoid.


Wednesday, June 3, 2015

Bears presumed stocks would retreat in May. Instead, the three major U.S. indices posted gains – the Nasdaq Composite led the way with a 2.60% advance. This happened even as the U.S. Dollar Index rose and Federal Reserve chair...


Monday, May 11, 2015

Can you time the market? The last three major market drops caught most investors by surprise.


Monday, May 11, 2015

As one of America's most expensive social programs, Social Security has done a pretty good job in providing benefits for the public since its inception in 1935. But a new study may cause us to scrutinize the program's long term...


Monday, May 11, 2015

Seemingly everyone believes the Federal Reserve will raise interest rates later this year, with bonds set to lose market value. Assuming the economy stays healthy and appetite for risk stays strong, what will happen to bonds when rates...


Thursday, May 7, 2015

Stocks wavered in April, with the S&P 500 ultimately rising a decent 0.85%. Investors were cautious, readjusting their assumptions about the strength of the economy and the Federal Reserve’s timing for raising interest rates.


Saturday, April 25, 2015

For many investors who own certain types of bonds in their portfolios, a modest rise in interest rates can spell disaster to holdings that may have been forgotten.


Saturday, April 25, 2015

Did you know that you have the right to pass on your estate after you die? But it might come with a price (or maybe not).


Saturday, April 25, 2015

79 Million Baby Boomers are slated to retire in the next two years. Are you one of them? Consider these 5 words before you give notice.


Friday, April 24, 2015

Vanguard recognizes the value that financial advisers can bring their clients by pointing out some inherent risks that retirees could face when managing their own accounts.


Friday, April 24, 2015

How will you pay for long term care? The sad fact is that most people don’t know the answer to that question. But a solution is available.


Friday, April 24, 2015

Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover, and where they come from.


Monday, April 20, 2015

Are You Underprepared for Retirement? Financially speaking, how many Americans are truly on track to retire? A recently published white paper suggests that about half of us are approaching our “third acts” with faulty...


Friday, April 10, 2015

Monthly Economic Update for April, 2015.


Thursday, April 9, 2015

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Monday, April 6, 2015

Social Security, considered by many to be one of the better government agencies in terms of public service, has been quietly cutting personnel and closing its field offices at a time when Baby Boomers are retiring at record numbers.


Monday, April 6, 2015

How long should you keep quarterly and annual statements you get for your investment accounts? How long should you keep bank statements before throwing them away? This article provides some guidance.


Sunday, March 29, 2015

Economic Update - April 2015Have you heard of the “dirty dozen?” Each year, the IRS lists the top 12 recurring federal tax offenses – frauds, cheats, feints and schemes that ethically challenged taxpayers, tax preparers and crooks try...


Saturday, March 28, 2015

Each year, the IRS lists the top 12 recurring federal tax offenses – frauds, cheats, feints and schemes that ethically challenged taxpayers, tax preparers and crooks try to perpetrate. Watch for these scams in all seasons, not...


Friday, March 27, 2015

The U.S. Savings Bond Tax Trap Did you buy U.S. Savings Bonds decades ago? Or did your parents or grandparents purchase some for you? If so, take a look at them before April 15 rolls around. Your bonds may have matured. That means they...


Thursday, March 19, 2015

Jeff Rose from U.S. News and World Report wrote a great article outlining some mistakes to avoid when planning your retirement. Here are my comments about his article...


Sunday, March 15, 2015

Three Social Security Facts Widows Should KnowSocial Security is an important financial resource for most Americans. We tend to think of Social Security in terms of income we will receive during retirement, but the system includes...


Wednesday, March 11, 2015

For many, Social Security will represent a significant part of your retirement income. Your Social Security retirement benefits are calculated by averaging your income over the past 35 years in which you earned the most.


Tuesday, March 3, 2015

How can you protect your identity in the wake of the numerous corporate data breaches? Here are some ideas.