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What to Expect From Low Volatility Investing: Insight into QBI Strategies

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What to Expect From Low Volatility Investing: Insight into QBI Strategies

During the past decade, ending December 2019, low volatility investing has been embraced by many investors due to above average adjusted performance. With the turn of events, the year 2020 witnessed a negative surprise for low volatility stocks. This surprise further intensified when value investing seemed to make a comeback as COVID-19 vaccines arrived.

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What Grade Would You Give Your Advisor?

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What Grade Would You Give Your Advisor?

By Mike Gertsema, CEO & Wealth Advisor I was recently referred to a new client couple and did a virtual zoom meeting since they lived out of Missouri. I’ll call them Bob and Julie. I’m thankful that technology allows us to meet people online so we can all put a face with a name. It also helps because we’re not hiding behind a mask, so we can see facial expressions and emotions. I was struck by Bob and Julie’s first statement: “We were told that you are a completely different investment firm and you could help us with our retirement.”...read the full article

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How to Finish Strong this Tax Planning Season

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How to Finish Strong this Tax Planning Season

Like gardening or working out, tax planning is one of those activities where you get out of it what you put into it. Plenty of us have a weight bench gathering dust in the garage that hasn’t gotten us into any better shape, or a plot in the backyard that just won’t grow anything because we never weed it. Tax planning is similar in the sense that you can put work in on the front end that you’ll reap benefits from later.

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Figuring Out Who You Are Can Help You With Retirement Planning

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Figuring Out Who You Are Can Help You With Retirement Planning

By Nick Gertsema, CFP®, ChFC®, RICP®, AIF®, VP & Wealth Advisor If you were asked to sit down and define who you are, how would you describe yourself? It is not uncommon for someone to tie a substantial portion of their identity and self-worth to their careers. My Twitter bio says that I am a husband, father, wealth advisor, and Z-Man enthusiast. When you think about it, it should not be a surprise that some of us tie our identities to something that we spend 40+ hours a week doing – and that becomes the driving factor in decision-making in...read the full article

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5 Things to Watch in the First Quarter of 2021

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5 Things to Watch in the First Quarter of 2021

Have you found yourself officing in a room with a bunk bed? Do you realize you’re going to the store in your pajamas and never leaving your car? Does going to the movies mean going to the living room to turn on the TV? Quarantine changed the world almost overnight, and the adjustment is so pervasive in our everyday lives we hardly notice the details going by.

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How Professional Designations Help Us to Help You

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How Professional Designations Help Us to Help You

By Mike Gertsema, CEO & Wealth Advisor What are professional designations in financial planning? A professional designation in financial planning is a stamp of approval that demonstrates to employers and clients that the person achieved a particular standard of excellence in their field of work. A few examples of designations in the financial planning profession are the following: AIF® Designation is an Accredited Investment Fiduciary, which is a designation and a professional certification that demonstrates an advisor or other person serving as an investment fiduciary has met certain requirements to earn and maintain the credential. It certifies that a professional works by the fiduciary standard. RICP® Designation...read the full article

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How Setting Goals in 2021 Can Help You Understand Your Financial Life

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How Setting Goals in 2021 Can Help You Understand Your Financial Life

By Mike Gertsema, CEO & Wealth Advisor I’m a very strong advocate of setting financial and personal goals. When the kids were growing up, I told them all I wanted for Christmas or my January birthday was a list of their goals for the upcoming year. In my experience, once I wrote my goals down on paper, the odds were that I would somehow accomplish them over the year. All the motivational books, cassette tapes, CDs that I listened to over the last 40+ years reinforced that belief. The process started off in a simple fashion and has expanded over...read the full article

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How to Find Happiness and Balance in Your Finances

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How to Find Happiness and Balance in Your Finances

By Nick Gertsema, CFP®, ChFC®, RICP®, AIF®, VP & Wealth Advisor Too often in the world of personal finance, we find ourselves focusing on what you can’t or shouldn’t do. Every year, there’s a new campaign out there that makes promises that feel unreasonable. “Stop drinking your favorite lattes and invest that money and you’ll retire early!” Save everything, spend nothing, and you can retire at 35!” The overarching theme is to make drastic cuts in your standard of living now so that you can enjoy life later. Unfortunately, we are not promised tomorrow. The old adage says money can’t...read the full article

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How Asset Allocation, Asset Diversification and Asset Location Affect Your Portfolio

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How Asset Allocation, Asset Diversification and Asset Location Affect Your Portfolio

By Mike Gertsema, CEO & Wealth Advisor There is a lot of talk about investing: the stock market, DOW Industrial Average, S&P 500, NASDAQ. Most people shake their heads and ask what it all means and if they should care. The quick answer is yes because it may have an impact on your portfolio in terms of measuring what’s going on in the market on a day-to-day basis. Sometimes we’ll have clients call and ask why their portfolio didn’t go down nearly as much as the overall market did – and while they’re grateful, they wonder why. The answer is...read the full article

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17 Things You Need to Know About the New Stimulus Package

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17 Things You Need to Know About the New Stimulus Package

Congress passed the new $900 billion economic relief and spending bill on Monday. While most of the focus has been on a second round of relief payments to most Americans, there is plenty more in the 5,000-plus pages of the stimulus package.

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