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Personal advice and wealth management.

A Conversation on "Staying the Course" Thumbnail

A Conversation on "Staying the Course"

Did the tough days in the stock market that we experienced in March tempt you to bail out and go to cash? Seeing a sharp decline in the value of your portfolio is very painful. Experience suggests long-term investors should remember that “time in the market beats timing the market.” For some historical perspective, keep reading for a conversation with a hypothetical client named Gloria about “staying the course.”

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Investec State of the Markets Event Thumbnail

Investec State of the Markets Event

Investec hosted its live "State of the Markets" event on Thursday, January 30th, at the Royal Sonesta Hotel in Houston. Clients attending the event heard presentations from John and Daniel Goott, Investec principals, on economic and market events of 2019 as well as on their outlook for investors in 2020.

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How Much ExxonMobil NUA Stock is Too Much? Thumbnail

How Much ExxonMobil NUA Stock is Too Much?

Mae West, an iconic 20th century American actress, singer, comedian and sex symbol, reportedly once said “Too much of a good thing is wonderful.” We’re pretty sure Mae wasn’t talking about net unrealized appreciation (NUA). But Mae’s observation raises a valid question. “Can there be too much of this good thing, this NUA?”

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When Bad Things Happen to Good Investors Thumbnail

When Bad Things Happen to Good Investors

We don't know when the next bear market will hit. U.S. stocks are near all-time highs, but many investors are nervous. Tariff talk and threats make many nervous. There are signs growth in the global economy is slowing, business investment is declining, and consumers may begin to cut back. The economy tends to go in cycles.

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Back-Door Roth Conversions Thumbnail

Back-Door Roth Conversions

Unlike a traditional IRA in which contributions are generally tax-deductible when made, and taxed (along with their earnings) upon distribution, contributions to a Roth IRA are made with after-tax funds. Contributions to a Roth IRA are not taxed at distribution and earnings within a Roth IRA can avoid being taxed by adhering to specific rules regarding when they may be withdrawn.

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