Random Roger's Retirement Planning

JUNE 3, 2025

BTAL is a client and personal holding. As we looked at the other day, technology as represented by client holding IYW tends to go up more than the broad market and it also tends to go down more. If you run those numbers, you'll see that sort of result would work out very well over the long term but it is very difficult to pull off.

Portfolio 59

Portfolio Marketing Marketing Clients 59

The Big Picture

SEPTEMBER 12, 2022

They run over $800 billion in client assets, and Kristen’s group, the North American Group, is responsible for about half of the revenue that that massive organization generates. I wasn’t that typical person that did a number of, you know, internships during the summer, had that …. I want to be client-facing.

Clients 296

Clients Wealth Management Banking Investing 296

Random Roger's Retirement Planning

APRIL 9, 2024

Picture retiring in 2010 versus 2020. The S&P 500 was down 22% for the 10 years ending 1/1/2010 while the ten years ending 1/1/2020 it was up 189%. ASFYX is a client and personal holding. There are expectations embedded in these numbers. MERIX, PPFIX, BTAL are client and personal holdings.

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Management Retirement Planning Portfolio Retirement 98

The Big Picture

AUGUST 16, 2022

The firm that he’s built is one of those very quiet, very successful entities that without a whole lot of media coverage, without a whole lot of fanfare, just amassed an enormous amount of capital because they’ve done so well for their clients over time. John was one of our managers that we had, you know, our clients invest in.

Management 302

Management Assets Risk Management Valuation 302

The Big Picture

DECEMBER 6, 2022

when I first moved from Spain, and I learned a lot because I spent a lot of time with financial advisors, which, as you know, is a key segment of our client base today. I was employee number 10. phenomenon, it’s a global phenomenon and we want to be able to service our clients in all regions of the world. BERRUGA: Yeah.

Clients 159

Clients Investing Investments Management 159

Random Roger's Retirement Planning

DECEMBER 22, 2024

From my perspective, there's no reason not to learn about these things even if there's no catalyst to ever step in but one of them could turn out to be the next catastrophe bond fund (I'm saying that as a positive as I have begun moving clients into that space). Northrup Grumman and CBOE are client holdings.

Portfolio 52

Portfolio Clients Asset Allocation Management 52

Fortune Financial

SEPTEMBER 19, 2023

While these exciting new developments garner a lot of attention, there are a number of other secular growth stories that, for investors, are equally worthy of attention. Disclosure: Both the author and clients of Fortune Financial Advisors, LLC own shares of Nestle.

Food 95

Food Budgeting Economics Financial Advisor 95

Investing Caffeine

DECEMBER 1, 2023

remains near record lows, the number of employed persons paints a similarly strong picture. As you can see, employment was on a tear pre-COVID, adding about 20 million jobs from 2010 to 2020. Even though the health of the labor market is usually gauged by the unemployment rate, which at 3.9%

Economy 91

Economy CFP Economics Investing 91

Random Roger's Retirement Planning

JANUARY 24, 2023

The catalyst for this post was a Tweet from Adam Butler who talked about a backdrop in the 2010's the promoted speculation and what he called Minskyian Moral Hazard (a nod to Hyman Minsky). Of course, there's an argument that index funds aren't really passive because of how the indexes are constructed.

Management 75

Management Portfolio Accounting Retail 75

Harness Wealth

MAY 12, 2025

The numbers paint a stark picture, with approximately 340,000 fewer accountants working today compared to just five years ago (Bloomberg). Declining number of graduates Adding to the CPA shortage is a dramatic decline in the number of students pursuing accounting degrees. Clients expect prompt and insightful advice.

Taxes 52

Taxes Compliance Accounting Numbers 52

Brown Advisory

MARCH 14, 2023

And let’s face it, our clients often ask for a helping or two of short-term information (with a side of market timing thoughts, please). Still, even if the numbers aren’t moving, the sentiment is somewhat less favorable today than it was in November. Yet, short-term information is sometimes useful to longer-term thinkers.

Clients 97

Clients Investing Investments Sales 97

Random Roger's Retirement Planning

MARCH 26, 2024

For the last ten years, 60/40 has blown away PRPFX and the standard deviation numbers for PRPFX in that time were only so so. Cockroach Light outperformed 60/40 by a noticeable amount as a matter of luck probably thanks to bitcoin and the standard deviation is much lower probably due the very large weightings in RYMFX and client holding BKLN.

Portfolio 93

Portfolio Management Banking Financial Planning 93

Random Roger's Retirement Planning

FEBRUARY 7, 2023

I am too conservative on this front so don't take my advice on a number of months, but going with what makes you sleep easier, feel bulletproof is a good idea. Underlying the article is a sort of acceptance of alts did well last year so I should add some to client accounts. Managed futures shot the lights out last year.

Planning 73

Planning Management Investing Investments 73

The Big Picture

SEPTEMBER 19, 2023

Elizabeth Burton is Goldman Sachs asset management’s client investment strategist. And we all had different backgrounds and different investment ideas and different clients like us clients are very different from clients in other countries. New York is number one. So it was really a unique experience.

Assets 146

Assets Management Portfolio Investing 146

Brown Advisory

JUNE 3, 2015

When you cut through the confusion, though, you find that sustainable investing strategies have matured and improved, and now form the core of an increasing number of investors’ portfolios. Our clients are not alone: Investments aligned to environmental, social or governance factors surged to $4.3

Investing 52

Investing Investments Clients Portfolio 52

Brown Advisory

MARCH 14, 2023

And let’s face it, our clients often ask for a helping or two of short-term information (with a side of market timing thoughts, please). Still, even if the numbers aren’t moving, the sentiment is somewhat less favorable today than it was in November. Yet, short-term information is sometimes useful to longer-term thinkers.

Clients 81

Clients Investing Investments Sales 81

Brown Advisory

JUNE 3, 2015

That’s up a staggering 88% from 2010. Just five years ago, if a client wanted a fully sustainable portfolio, we could find managers we were confident in for no more than 50% of total assets. Here is a tour of some compelling strategies that we use in client portfolios. Across the Asset Spectrum. Starting Points.

Portfolio 52

Portfolio Clients Portfolio Management Assets 52

Brown Advisory

SEPTEMBER 11, 2018

Below-consensus numbers for new housing starts and existing home sales in the past few months suggested to some that the supply crunch had dissipated. As shown in the chart above, delinquencies have fallen for eight straight years, reaching a cycle low of 3.7% in 2017, down from a peak of 10.9% Recent data challenged that thesis.

Marketing 52

Marketing Marketing Clients Assets 52

Random Roger's Retirement Planning

JULY 10, 2024

Portfoliovisualizer's correlation tool is very handy to grab the numbers but I think there needs to be some measure of why return streams are uncorrelated. An idea with compelling numbers, so why not look a little closer? I've referred to the 2010's as a dark winter for managed futures.

Assets 52

Assets Management Numbers Taxes 52

Fortune Financial

SEPTEMBER 19, 2023

While these exciting new developments garner a lot of attention, there are a number of other secular growth stories that, for investors, are equally worthy of attention. Disclosure: Both the author and clients of Fortune Financial Advisors, LLC own shares of Nestle.

Food 52

Food Budgeting Economics Financial Advisor 52

Brown Advisory

OCTOBER 8, 2019

BP’s 2010 Macondo oil spill disaster and Sports Direct’s exploitative employment practices are examples of when environmental and social issues undermine a franchise’s ability to generate long-term cash flow. In the U.K., It also needs to be differentiated, meaning that the company is delivering something over and above its industry peers.

Clients 52

Clients Government Banking Investing 52

Brown Advisory

OCTOBER 8, 2019

BP’s 2010 Macondo oil spill disaster and Sports Direct’s exploitative employment practices are examples of when environmental and social issues undermine a franchise’s ability to generate long-term cash flow. In the U.K., It also needs to be differentiated, meaning that the company is delivering something over and above its industry peers.

Clients 52

Clients Government Banking Investing 52

ClearMoney

DECEMBER 5, 2021

Bitcoin and related cryptocurrencies (now numbering in the thousands) are the subject of much debate and fascination. After a limited number of password attempts, a user can permanently lose access. Prohibiting the sale to retail clients of investment products that reference cryptoassets,” Financial Conduct Authority, June 10, 2020.

Commission 52

Commission Retail Sales Distribution 52

Diamond Consultants

AUGUST 23, 2023

This has left many advisors – including top, long-tenured teams – to struggle day-to-day, balancing the desire to serve clients best and grow the business against the challenges they face. For example, UBS reported 6,245 [1] financial advisors in the Americas region at the end of 2022—representing a 551 reduction in net headcount from 2010.

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Recruitment Wealth Management Clients Communication 52

Brown Advisory

NOVEMBER 13, 2023

Additionally, underbuilding in the years following the subprime mortgage and global financial crisis of 2007-2010 resulted in a systemic shortage of housing that has driven rapid appreciation in home prices and rental costs alike. High-income homeowners reaped more than 70% of the $8.2 trillion increase in the value of U.S.

Investing 52

Investing Investments Portfolio Clients 52

Brown Advisory

APRIL 1, 2016

There are many ways to illustrate volatility, but one of the simplest is to add up the number of days in which a market moves up or down by more than a certain amount over a defined period of time. In the ensuing six years, this measure of volatility steadily declined, except for brief spikes in mid-2010 and late 2011. Multiple Risks.

Investing 52

Investing Investments Portfolio Assets 52

Brown Advisory

AUGUST 6, 2019

Meanwhile, I plan to focus my time on working with the many clients I’ve come to know over the years. Ever since Taylor joined our firm in 2010, I’ve been deeply impressed with his understanding of the markets and his intellectual curiosity with respect to all types of investments. A cool change indeed.

Investing 52

Investing Investments Clients Portfolio Management 52

Brown Advisory

AUGUST 6, 2019

Meanwhile, I plan to focus my time on working with the many clients I’ve come to know over the years. Ever since Taylor joined our firm in 2010, I’ve been deeply impressed with his understanding of the markets and his intellectual curiosity with respect to all types of investments. A cool change indeed.

Investing 52

Investing Investments Clients Portfolio Management 52

Sara Grillo

DECEMBER 12, 2022

We talked about: What is the best, fairest fee model for the client? Does the way you are paid dictate how you serve clients? Are clients capable of determining when your fees are too high or should there be some other standard that fees are measured against (e.g. Does it matter that clients know the fees they are paying?

Financial Advisor 52

Financial Advisor Commission Clients Insurance 52

Harness Wealth

FEBRUARY 27, 2023

This is a complex consideration — you’ll have to plan out the cash you’ll need on hand to exercise some number of options and sell some number of shares (if any), ideally on a strategic schedule. Would you be willing to move to a state with lower taxes? Particularly relevant in 2020.)

Tax Planning 52

Tax Planning Startup Taxes Planning 52

Sara Grillo

AUGUST 14, 2023

The fiduciary standard is important because it defined parameters for behaviors impacting the way that financial advisors treat their clients. A fiduciary provides advice and counsel that is solely in the best interest of the client. It’s confusing to the client and unfortunately that confusion is waged onto them on purpose.

Financial Advisor 52

Financial Advisor Fiduciary Duty Insurance Financial Advice 52

Brown Advisory

MAY 31, 2017

Thus, we consistently maintained a reduced weighting in European equities in the years since the crisis (relative to the blended benchmarks typically used by our clients to measure portfolio results). Over the long term, that stance has paid off. We maintain a model portfolio internally to track the results of our asset allocation stances.

Portfolio 52

Portfolio Asset Allocation Valuation Economics 52

Brown Advisory

MAY 31, 2017

Thus, we consistently maintained a reduced weighting in European equities in the years since the crisis (relative to the blended benchmarks typically used by our clients to measure portfolio results). Over the long term, that stance has paid off. We maintain a model portfolio internally to track the results of our asset allocation stances.

Portfolio 52

Portfolio Asset Allocation Valuation Economics 52

Brown Advisory

APRIL 1, 2015

Interestingly, in an unusually large number of instances, the stock prices of the target company and the acquirer have both risen following a deal announcement, while typically only the target’s stock price benefits. Thus, since early 2010, earnings growth of close to 85% has accounted for the vast majority of the doubling in stock prices.

Investing 52

Investing Investments Valuation Assets 52

Random Roger's Retirement Planning

JANUARY 3, 2025

The Calmar Ratios are good for all of them but the kurtosis numbers are not which is a strike against relying on them as low vol, total bond replacements. We've categorized these as being negatively correlated like client/personal holding BTAL or managed futures or uncorrelated like arbitrage and some macro funds would fit that bill too.

Management 52

Management Portfolio Investing Investments 52

Brown Advisory

JUNE 26, 2020

Moreover, during the Great Recession of 2007-2010, fresh fruits and vegetables was the only food sector to grow (1.4% Boston Children’s Hospital is recognized as the top hospital in the country for pediatric neurology and neurosurgery, in addition to its ranking as the number one pediatric hospital overall according to U.S.

Medical 52

Medical Food Medicine Assets 52

Good Financial Cents

AUGUST 23, 2022

However, Fundrise has performed well since the company’s inception in 2010. After achieving average investment returns of 7.31% for their customers in 2020, the company returned clients 22.99% on their investments in 2021. As a result, you are free to withdraw the contributions you made at any time.

Investing 116

Investing Investments Accounting Banking 116