Current Market Conditions

As we close out 2018, I realize that the significant US stock market declines during the month of December have concerned most people. It is a reminder that investing money is a very serious business and that there are no cookie-cutter investment solutions that work...

A Note on Recent Market Volatility

I am sure that a lot of you have been inundated by news headlines and media reports related to recent volatility in the stock market.  Rather than selecting from a variety of third-party discussion pieces on this matter, I wanted to give you my opinion while...

Your Portfolio’s Honeymoon Phase

Most of us are familiar with the honeymoon phase of a relationship; those first 6 months (or so) when you are positive that you’ve met your handsome prince or your beautiful princess. Then reality kicks in. It is only during periods of adversity that you know for sure...

Questions We Help Our Clients Answer

There are many ways a financial planner adds value to their relationship with clients. At Gary Alpert & Associates, we are always available for you. Some of the questions we help our clients answer include: 1. Should l refinance my mortgage again? 2. Should l...

The Gambler’s Conundrum

You are sitting at the table with a pile of chips in front of you. Airfare is already covered as is your room and a few meals. The excitement of Vegas, Macau or whatever the venue is reverberating through your body and your momentum is unmistakable. You have finally...

Dude, Where’s My Cash Reserve?

Dude, where’s my cash reserve is never a question you should be asking yourself. Having 6 months of expenses in an FDIC insured account is the only way to go. You shouldn’t have any less, but circumstances may cause you to need more. Cherish that cash reserve. Be...