Q4 Wealth Management News & Client Events

News, Stories, and Events related to your wealth, assets, and investment management

Q4 2018 review and a look into 2019

We are sharing the One Capital Management Playbook for Winter 2019.  It is designed to share their quarterly views in a visual presentation with comments providing context to what they believe are the pertinent issues of the most recent quarter and what they see moving forward.OCM Playbook Winter 2019

The birthing of a New Deal


Understanding today’s new deal between the U.S., Mexico and Canada requires a look back at the family tree of previous trade agreements.  Each agreement passes down some of it’s genetics to the next in line.   Canada’s Foreign Affairs Minister  used the metaphor of child birth to that of the negotiations for this new agreement.  “The contractions may be painful but each one gets you closer to the baby.”  And just like adding a new member to the family, there is a lot of anticipation regarding the inevitable change that will ensue.

Take a look at One Capital Management’s Autumn Folio 2018 to better understand the agreements and how they may affect the markets.  OCM Autumn Folio 2018

Is Coal Gone?

So you’re wondering where you should invest your money in the energy sector. Based on the One Captial Management Summer 2018 Folio, it may not be where you think. There are many factors that come into play when thinking about where is the safest place to invest your money. While the world seems to be moving in the renewable energy direction, we still have to consider how much of the world population relies on fossil fuels despite the negative environmental impact. Although there is a slow decline, 40% of energy consumption used to produce electricity is still with coal and the abundant inventory of natural gas. Read more about One Capital Management’s thoughts on investing in the Energy Sector in the OCM Summer Folio 2018.

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.

Secure Your Identity and Protect Your Wealth

Identity Theft …

Identity theft continues to rank among the top fraud complaints with the Federal Trade Commission.  Should it happen to you, please let us know as soon as possible.  At Q4 Wealth Management, we are able to work with you and the custodians of your financial investments to help safeguard them from potential theft and fraud.

The National Crime Prevention Council has put together two resources below that outline how to prevent identity theft and what to do if it does happen to you.  Please feel free to download these resources for your use and visit their website at www.ncpc.org .

Identity Smart

Mind What You Do Online – Adult

Spotting a Log in the River …

Like Mark Twain steamboating down the turbulent waters of the Mississippi; Q4 Wealth Management and One Capital Management have been navigating the changing markets and charting a course to stay away from potential hazards.  Please read their Summer 2017 folio to discover the log they’ve spotted in the river of the financial markets.


Summer Folio 2017

It’s not just about hitting homers …

It’s baseball season and with Opening Day at ballparks across the country why not compare the financial markets to the historic Phillies vs. Cubs game of 1979.  Here is a quick commentary from One Capital Management about their take on what’s going on in the markets today.

OCM Comments Spring 2017

Tax Season is Here!

Important Upcoming Tax Dates
April 1st     … 2016 RMD (for investors 70 1/2 in 2016) deadline
April 18th   … TAX DAY!
                        File your 2016 income tax return or file for an extension
                         Pay first-quarter 2017 estimated taxes (for those who pay      quarterly estimates)
                         2016 contribution to 529, Traditional IRA, or ROTH IRA deadline
For more planning details check out the  2017 Tax Tables