This week Larry gives us an overview of a flat Q1, provides commentary on the drop in the trade deficit, gives us good news about the strengthening U.S. dollar, and revisits the Eurozone and Greece dilemma. We also enjoy a flashback to The Economist’s 1999 thoughts on Germany and hear some of Larry’s predictions on global growth. Listen in and share your comments and questions with us now.
Karlton does an excellent job of summarizing our investment process in the video above. The investment process with us is more than a onetime event, it is an ongoing process.
The process looks like this:
We never consider our investment process to be ‘finished.’ Your circumstances change over the years and we will make sure we keep the process going to keep your portfolio on track. We’d love to set up a complimentary consultation for you to come in and learn more about our investment process and SH&J philosophy. Give us a call today at 303.639.5100.
We’re back from our brief hiatus and have some interesting topics in this week’s discussion. Listen in to hear some insights into Japan’s economy, the good news for Americans and their savings as well as an update on the Eurozone and Greece. We look forward to hearing your comments and questions in the comments section below!
Great relationships are formed by taking time to get to know each other. That’s exactly how we start our investment management process with you.
We want to:
As Stephen said in the video, “We know our clients are unique and canned plans just don’t fit.” So once we have gotten to know each other, we begin building a customized portfolio.
Our portfolios typically include:
After we have built your portfolio, we continue to monitor your investments. We meet regularly to take a hard look at market trends and the global economy. We work on your portfolios as a team in order to make the best possible decisions with our client’s investments.
As the years go by and circumstances change, we will continue to meet with you to update your goals and make changes to your portfolio. Our goal is to not only have you as a client, but also as a friend.
If you’d like to learn more about our investment management process or our other services, please give us a call at 303.639.5100.
Most of our clients are saving for college at some point during their time with SH&J. Some are saving for their children and others for their grandkids. As Harold highlights in the video, the number one rule when saving for college is:
Save for retirement first.
That said, when you are looking at how much you should save, consider the following factors:
Working with a financial planner can help you look at these factors along with your retirement and other financial goals to decide on the best path for your college savings goals.
At SH&J, we usually start with 529 plans for college savings. 529 plans:
Take a look at our College Planning page for more information about 529 plans and other college saving questions.
If you are looking at saving for college soon, we’d love to meet with you to hear more about your goals. Give us a ring at 303.639.5100 and let’s set up a time.
On Monday, January 19, we had our second economic discussion of the New Year. We covered many interesting facets of the economy including oil, global unemployment, China and more. Listen in and share with your family and friends. We would love to hear your comments and questions in the comment section below.
Each year, Eileen teaches an interesting eight part financial literacy course to groups here in Denver. The course is well attended and very informative for those who attend. We know not everyone can be there in person, but wanted all of you to have access to the wealth of information provided throughout this class, so we recently videoed the class and posted it online for viewing. Each part of the eight part series is about 45 minutes to an hour long and well worth the time.
We encourage all of our clients, their children and their friends to take the time to ‘attend’ Eileen’s class via our website. If you complete all 8 sessions, please email us to let us know so we can congratulate you with a Certificate of Completion.
Click here to be taken to the series or watch part one of the series below.
On Monday, January 5, we had our first economic discussion of the New Year. Listen in and share with your family and friends. We would love to hear your comments and questions in the comment section below.
We knew we didn’t want to be bound to selling products to our clients. We wanted freedom to offer objective advice to our clients without an agenda to sell them products. Therefore SH&J was founded and still is a fee-only or non-commissioned firm.
Fee-only means our clients pay us a flat fee for our advice, not for products. We do not work on commission and are only paid by our clients. One of our founders, Larry Howes, says, “All of our efforts are designed to get you a better result.”
Melissa does a great job of giving you a quick rundown on our fees.
Here’s a quick overview of the information Melissa shared:
Financial Planning
Investment Management
Other small charges may include a fee for portfolio design, strategic implementation and asset transfers.
We’d love to meet you to share our firm’s philosophy with you in person. Give us a call at 303.639.5100 to set up a time to come in.
At Sharkey, Howes & Javer, we have formal Investment Committee meetings. Every two weeks, we discuss recent market trends, the economy and strategize for the future.
Within each of these meetings, Larry Howes provides a very interesting and detailed report on the economy; questions are raised and insightful conversations pursue.
We have decided to open these internal economic discussions up to our clients by creating a new “series” where we record the economic portion of the investment meetings, and invite you to listen along with us.
The current audio was recorded in our meeting last Monday, December 8th. Please note that this was prior to last week’s market selloff, due to the ongoing decline in oil prices, and this will be addressed in next week’s economic discussion.
Please check the volume on your computer and have your headphones ready. We look forward to hearing what you think in the comments section below!
Sharkey, Howes & Javer Blog 