Businesses

Our financial advisors provide expert investment advisory and financial planning services for business owners and businesses throughout Santa Clarita and across the US. Our retirement plan consultants are experts in retirement plan selection, retirement plan services as well as employee education.

Are CLOs a Systemic Risk? Collateralized Loan Obligations

2020-06-25T15:09:44-07:00

What is a Collateralized Loan Obligation (CLO)? Collateralized loan obligations (CLO) are portfolios of leveraged loans, a type of below-investment grade loan usually taken out by more heavily indebted companies. Each CLO is divided into a series of tranches with different degrees of risk. The more senior tranches receive their interest payments first, and therefore, have [...]

Are CLOs a Systemic Risk? Collateralized Loan Obligations2020-06-25T15:09:44-07:00

Gaining Confidence in a COVID-19 Peak

2020-04-15T18:27:46-07:00

We continue to follow our Road to Recovery Playbook for help determining where the market is in its bottoming process. Today we are making two changes: The first is to Signal #1, which we upgraded from “monitoring daily” to ”almost there.” We aren’t ready to check this one off completely, based on the latest data from Johns [...]

Gaining Confidence in a COVID-19 Peak2020-04-15T18:27:46-07:00

First Quarter Earnings Preview: Finding the Floor

2020-04-13T16:22:16-07:00

First quarter earnings season will kick off this week with 40 S&P 500 Index companies slated to report results, including several of the biggest banks on Tuesday and Wednesday. Analysts are calling for a roughly 10% year-over-year decline in earnings for the index, as shown in the LPL Chart of the Day, down from the [...]

First Quarter Earnings Preview: Finding the Floor2020-04-13T16:22:16-07:00

Erick, I’m nervous! What do I do now? 3 Questions I Am Being Asked Lately

2020-03-27T07:19:34-07:00

Another wild week. The emotions are running high and that might cause you to make bad decisions about your money and your 401(k). In the last few days I've gotten calls asking: "What do I do now?" - Some clients want to cash out or move to a money market. If you do, when the [...]

Erick, I’m nervous! What do I do now? 3 Questions I Am Being Asked Lately2020-03-27T07:19:34-07:00

Making Sense of Skyrocketing Jobless Claims

2020-03-26T08:56:51-07:00

Weekly new jobless claims were reported this morning, and to no one’s surprise they rose to levels thought unimaginable just a few weeks ago. As shown in the LPL Chart of the Day, 3.3 million people filed new claims for unemployment benefits in the week ending March 21, almost 5 times the previous high of [...]

Making Sense of Skyrocketing Jobless Claims2020-03-26T08:56:51-07:00

Market Volatility Stresses Liquidity

2020-03-25T09:11:15-07:00

The COVID-19 pandemic has caused unprecedented volatility in recent weeks that has investors and traders scrambling to assess the economic and market impact of the aggressive containment measures. This past week the CBOE Volatility Index (VIX), which measures the implied 30-day volatility of the S&P 500 Index based on options contracts, measured its highest reading [...]

Market Volatility Stresses Liquidity2020-03-25T09:11:15-07:00

Time In The Market Versus Timing The Market

2020-03-24T14:12:21-07:00

The incredible volatility continues, with the S&P 500 Index now in one of its worst bear markets ever, along the way making the quickest move from an all-time high to down 30% at only 22 days. What is a long-term investor to do? “Although market timing is very alluring to investors, especially after the past [...]

Time In The Market Versus Timing The Market2020-03-24T14:12:21-07:00

Road to Recovery Playbook Factor #1: Peak COVID-19 Cases

2020-03-24T14:02:07-07:00

As COVID-19-related fear continues grip global financial markets, we wanted to take a closer look at factor #1 in our Road to Recovery Playbook: confidence in the timing of a peak of new COVID-19 cases in the United States. This is probably the most difficult signal in the playbook to call with any degree of [...]

Road to Recovery Playbook Factor #1: Peak COVID-19 Cases2020-03-24T14:02:07-07:00

Fiscal Stimulus Bazooka Is Imminent

2020-03-23T15:41:12-07:00

Policy makers in Washington, DC, worked over the weekend to try to put the finishing touches on a significant stimulus package to help cushion the economic and financial blow being delivered by the COVID-19 pandemic.  The Federal Reserve (Fed) is “all in” already. After Monday’s announcement, which we will discuss in another post , it is fair [...]

Fiscal Stimulus Bazooka Is Imminent2020-03-23T15:41:12-07:00

Using Life Insurance to Ensure Business Continuity

2019-04-09T04:53:13-07:00

The loss of critical personnel can be life threatening to small businesses; however, it's a risk that life insurance can often mitigate. In fact, life insurance policies are frequently incorporated in plans aimed at making it possible for a business to survive a change of ownership or the loss of a partner, the chief executive, [...]

Using Life Insurance to Ensure Business Continuity2019-04-09T04:53:13-07:00
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