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HORAN Begins Financial Planning Blog

 October 28 2012     David Templeton
A few days ago, HORAN's Director of Financial Planning, Michael Napier, joined the blogosphere by starting HORAN's financial planning blog. As Michael notes in his initial post,"Everybody blogs. In fact, it is estimated that close to 44 million blogs are created each year. Doing the math, that is nearly one new blog per second! So why am I jumping into the blogosphere? To help you get one step clo...

P/E Level For S&P 500 Index At Level Not Seen Since 1990s

 October 28 2012     David Templeton
The Chart of the Day charting service recently noted the valuation or P/E for the S&P 500 Index is at levels last seen in the early 1990s. Importantly for investors though is valuation alone does not make a particular equity attractive. As the below chart notes, valuations can certainly get cheaper. Chart of the Day noted in the commentary to the below chart:"[The] chart illustrates the price to ...

Companies Becoming More Cautious As Fiscal Cliff Nears

 October 27 2012     David Templeton
Much is being made about the impact on the economy in light of the impending "fiscal cliff" in the U.S. Most strategists agree the impact on the economy will be significantly contractionary if the U.S. goes over this so-called cliff. In reality though, the negative impact of the cliff is already being felt and it appears businesses are positioning themselves for a potential worst case outcome.Over...

Financial Planning Must Do: Check and Double-Check Your Beneficiary Designations

 October 23 2012     Michael Napier
This isn’t one of my most exciting financial planning topics, but could be one of the most important.  Frequently, I come across clients or prospective clients with outdated or blank beneficiary designations. Your guess is probably correct on how these situations come about: divorced spouses forgetting to take one another off, deceased spouses forgetting to update with new beneficiaries, etc. Wit...

A Little- Known Financial Planning Strategy

 October 23 2012     Michael Napier
Receiving Lump Sum Social Security Payments through “File and Suspend” I recently attended a social security seminar conducted by a retired social security associate of 35+ years. He reminded me of a social security strategy that I thought would be beneficial to repeat.   The strategy is called “File and Suspend” (aka “Claim and Suspend”). It is available to anyone who has reached their full re...

Welcome to the HORAN Financial Planning Blog

 October 23 2012     Michael Napier
Everybody blogs. In fact, it is estimated that close to 44 million blogs are created each year. Doing the math, that is nearly one new blog per second! So why am I jumping into the blogosphere? To help you get one step closer to achieving your financial goals in easy-to-understand language.   Two of the biggest challenges facing Americans today are access to great health care and the discipline...

Investors Continue To Reduce U.S. Equity Exposure

 October 21 2012     David Templeton
Investors continue to shun U.S. equity investments as noted in the below chart. In spite of this data most U.S. equity indexes have continued to move higher this year. As we have noted in several earlier posts, it appears investors are allocating increasingly more of their investment assets to fixed income funds. Then what is driving U.S. equity prices higher?From The Blog of HORAN Capital Advisor...

Steven Romick Interview On WealthTrack: Focusing On High Quality

 October 20 2012     David Templeton
The below video contains a rare interview with Steven Romick, portfolio manager of the FPA Crescent Fund (FPACX), and Consuelo Mack of WealthTrack. Romick provides insight into his investment approach that includes his current views surrounding his portfolio's current construction. In large part, he is most concerned about the consequences of the money printing that is currently taking place by th...

Investor Sentiment Near Lows Seen Last Summer

 October 18 2012     David Templeton
The investor sentiment survey, a contrarian indicator, released today by the American Association of Individual Investors noted the bearish sentiment level increased by 5.7 percentage points to 44.55%. This level of bearishness was last seen this past summer when the S&P was trading in the low 1,300s. Bullish sentiment fell to 28.66%, also at levels seen this past summer. In spite of this level of...

Investor Letter: 3rd Quarter 2012

 October 16 2012     David Templeton
At the beginning of the third quarter, investors following the “sell in May” strategy felt vindicated as the S&P 500 Index declined over 9.0% from May 1st to June 4th. The June 4th date turned out to be the intra-year market low and the equity rally was almost uninhibited throughout the remainder of the third quarter. The rising tide seemed to lift all markets during the quarter.As noted in our Th...
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