Is your moat full?



You’ve often heard us say “build a moat” around your personal wealth.  Insurance is one part of that moat and reviewing it on an annual basis or as changes occur in your life is important.

Recently we went through our own insurance analysis; including Life, Car, Health, and Homeowners.  And although some of it was painful … (health insurance premium increases, etc.) it was an excellent exercise to ensure that if something happened to our home, our nest egg wouldn’t be affected.

Rising property values and home improvements are obvious items that one thinks of when evaluating home insurance.  However, changes such as decks, flooring, artwork, appliances, etc. shouldn’t be overlooked. The holidays and new year are known for such upgrades to entertainment systems, appliances, and luxury items.  Be sure to update your policy accordingly.

To assist you when you review with your insurance provided, the Insurance Information Institute offers these thoughts:

  • Start with recent purchases and work backwards
  • Prioritize big-ticket items like art, jewelry and antiques
  • Take photographs of individual rooms, drawers and possessions
  • Perform a walk-through video and describe the contents as you go
  • Create an electronic inventory or use list-making software

Be sure to store all of the above in your Q4 eMoney Vault so that you will have it in a secure place.  If you need assistance logging into your personal website to do so, please contact us.

If you’ve lived in your home longer than 5 years, chances are it will cost more to replace than is currently on your policy.  Take time out this season to make sure your home and your nest egg is properly protected.

Why we aren’t getting on the bandwagon …

Now is the time when our fourth quadrant investment philosophy comes into play.  QUIET THE NOISE!!!  Look at the numbers.  Analyze all sides of the situation.  Ask the question behind the question.  Many would believe that the markets are way overvalued and inflation is soon to take off.  We aren’t ready to jump on the bandwagon yet; find out why in One Capital Management’s Folio Autumn 2017.

Volatility leads to Opportunity

Investors are looking for sound financial advice during times of volatility in the world and in the investment markets.  We continue to believe that during these times it is good to turn down the volume on the “noise” factor and focus on your own wealth management plan.

Now is a great time to meet with us to discuss how any of the recent and pending events may affect YOUR personal financial picture.  Events like “Brexit”, the 2016 elections, worries over China’s slowing growth … all can contribute to emotional decisions around one’s investments.  Taking time out to meet with us to review your objectives, current allocation and diversification strategy, and risk tolerance allows us to better tailor your financial plan and helps to alleviate any worries you may have around today’s volatility.


We are posting two informative articles that give further insight into how market volatility can present opportunities in a globally invested portfolio.  The first is the OCM Folio Summer 2016 by One Capital Management and the other is Global Investment Strategy Report 2016 by Wells Fargo Investment Institute.  Both are short reads.



“Unpacking” the language of investment management

Market “experts” are glomming onto the new phrase “earnings recession” in a potentially harmful way.  The current notion is this — while the economy may not be headed for a recession, the truly worrisome kind, companies nonetheless are entering something similar, where profits have been shrinking.  To learn more click here, OCM FOLIO Spring 2016