Through many years of experience working with clients and advisors alike, it has become clear to me that many struggle with the fundamental concepts of investing. Investing is simply buying a future stream of cash flows. Investing has many different forms: CDs, bonds, stocks, real estate, farms, etc. Ultimately, all investments fit in one of two broad categories - Debt or Equity. Either you’re loaning money to an entity in exchange for a stated interest rate (future cash flows), or you’re purchasing ownership of property or a business entity in exchange for their future cash flows after expenses. It’s that simple! Naturally, with any form of risk-based investing, there’s never complete certa
We believe opportunity always exist somewhere. Generally it is where the headlines place the most fear. Today that environment seems to ce
What a month November turned out to be. I watched in disbelief as the numbers piled up. The momentum seemed to flow back and forth as tens
