Dave's White Papers

Most of the following reports will open a pdf file

Value vs Growth Investing

SECURE ACT What Is In It For Me?

Feb 2019 New for 2018 -1099 Box for Sec 199A mutual fund distributions is confusing and based on IRS proposed regs

Time to Reduce Equity Risk? - Participate Yet Protect Alternatives

Evaluation of ETFs-The Complications and Risks

Evaluation of Bond Risks – Other than default risk -The complications of bond investing

ACH & Wire Transfers - How They Differ and New Same Day ACH

Dividend Paying Stocks - A bad choice at least for most investors?

Money Market Fund Risks - Floating Values, Liquidity Fees and Gates

Senior Secured Floating Rate Loans Asset Class Alternative to Fixed Rate Bonds

Robots vs. human wages: the next $trillion growth and jobs opportunity

Should You Take Social Security at 62, 66, or 70? Break-Even Points

The Tax Trap of Joint Tenant Ownership & Disadvantage of Community Property -The Solution

Is Your Life Insurance on an Outdated CSO Table Making Higher Profits for the Insurance Company?

529 Education Plans - Pay Tuition, not taxes and you control the account

Participate Yet Protect - We Take Downside Risk Seriously

Action Plan - Our Investment Fiscal with Free Portfolio X-Ray

Wealth Building Over Time - The Deception of Average Returns

Estate Planning Strategies Not Just for Large Estates

Financial Security Checklist of Important Planning Items

Retirement - Maximize Your Family's Retirement by Planning Today

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Experience Matters

Dave uses analytical skills from his CPA firm background to provide facts - not a sales pitch - to educate clients why we recommend certain financial planning and investment strategies.

His “participate-yet-protect” strategies have been tested and refined under many market conditions over the past three decades.

He confesses to be a bit of a nerd for detail and analytical evaluations, as is shown in his many client newsletters and articles. However, he also prides himself on an ability to explain sophisticated financial concepts in simple terms, for those not wanting to be buried in details.

We monitor many investment managers - not just a favored few - to choose our key recommendations based on a client’s objectives and risk tolerance. One of the many factors we monitor is a manager’s long-term risk vs. reward history. This is calculated in modern portfolio terms of Beta (risk relative to a baseline) vs. Alpha (outperformance vs. risk taken). These are just two of many factors we evaluate when making investment recommendations.

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