Elections, Markets & ZIRP Epilogue

Summer is supposed to be the season when the only thing to pursue seriously is leisure. The culture sections of newspapers (or their online equivalents) are loaded with lists of books you should read at the beach. Of course, that’s essentially an unreachable ideal, like your author keeping his truck washed. (A little Vashon humor […]

2024 First Quarter Review

With the summer travel season nearly upon us, we are put in mind of the inevitable waiting involved.  Waiting in airports.  Waiting on family members.  Waiting in line for amusement rides. Federal Reserve Chair Powell’s press conference following the most recent Fed meeting had the same feeling as when the airport gate attendant finally announces […]

2023 Year in Review & Investment Landscape

The close of 2023 finds us in mind of two overlapping trends: one short-term and recently driving financial markets to a handsome rally at year’s end, and one long-term that bodes for change and challenges in financial markets as we enter a period with marked differences, certainly from the Covid pandemic and the policy responses, […]

Second Quarter Review: Sometimes Less Is More

Sometimes less is more. We all know the saying, but seeing it effected in life—through art, sport, business, parenting, gardening—is the exception rather than the rule. Imagination more frequently bends towards complexity. With that in mind, we endeavor to make this quarterly review more compact and to share some thoughts near the end about simplifying […]

First Quarter Review: Bank Stress and The Case For Private Lending

Most of us, thankfully, only know what a bank run looks like from movies and television, most famously from the film It’s a Wonderful Life, a holiday staple of broadcast television in the past.  George Bailey (played by Jimmy Stewart), desperate as a young man to leave his hometown of Bedford Falls, is waylaid in […]

2022 Year in Review & Investment Landscape

The turn of the year marks the start of many rituals. In our financial planning practice, we report to clients and their tax accountants about their investment income and expenses in the previous year. And of course, we write letters like this one summarizing the year past in financial markets and giving reflections and observations […]

Third Quarter Review: “How Long Until We Get There?”

Whether we’ve been the driver or a passenger—perhaps as a child in the back seat on a family road trip—we’re all familiar with the question “How long until we get there?”  Now, following the third consecutive quarter of market declines in both stocks and bonds amidst the Federal Reserve’s campaign to hike interest rates and […]

First Quarter Review: Rate Hikes & Russia

The first quarter of 2022 was a uniquely challenging one for financial markets and investors, as both stocks and bonds generally declined.  As a consequence, the boost, or at least store of value, from bonds that normally accompanies a stock decline didn’t happen, causing a mixed stock and bond portfolio to exhibit results much closer […]