U.S. small caps and international stocks are leading the performance race so far in 2026. In the U.S. market, large cap value is outperforming large cap growth.  Growth stocks are struggling – down 3% this year and down 8.6% since the Nasdaq peak on October 29th of last year.

The top sectors this year are energy, materials, consumer staples and real estate – all laggards in 2025.  And last year’s leaders – tech, communication services, consumer discretionary and financials are all in negative territory this year.  Is this a sign of the market broadening? Or sector rotation?  It seems to be more sector rotation as last year’s leaders are down this year.

The AI boom has recently turned into AI doom.  There has been a steady rotation of companies being hit with fears of AI replacing or curtailing demand for their products or services.  First it was software firms, then financials including wealth management, law, trucking, and real estate.  What’s next?  This assumption of one sector after another being disenfranchised by AI seems to be an exaggeration by investors.   Investors are reacting to headlines which is a foolish strategy, in our view.  As we see it, more sectors will be helped than hurt by AI.

In macro-economic news last week, job growth in January was solid but the 2025 total was revised down to only 181,000 new jobs being created.  The CPI in January was a pleasant surprise with inflation cooling down to the mid-2s.  Rent inflation, which has been a problem, is now under 3% year-over-year.

Many good stocks, especially in tech and AI, are now in bear market territory (down at least 20% from their highs) since last fall.  Many of these stocks have excellent fundamentals so we don’t expect these lower prices to stick.  It is not “silly season” yet for tech and AI, but we are close.  These are some of the best companies in the U.S. with excellent growth prospects.  The AI theme of this bull market is not dead.  Many tech and AI companies are completely oversold and prices should rebound. 

Earnings season so far has been strong as expected. Earnings and sales beat rates have been solid along with guidance raises at 11% of reports.  Where earnings season looks weak is in stock responses to the reports.  EPS misses are being punished with a stock price drop of about 5% on average (source:  Bespoke Investment Group).  Even triple plays (beat on earnings and sales, and raised guidance) are sometimes met with a downward move in the share price.  Historically this doesn’t happen often.

OPTIMISTIC INVESTORS V. PESSIMISTS

 

Do you ever think about which type of investor you are?  We do because it shades our outlook about the economy and individual stocks.  Maybe it is correlated to how all of us view life – are you a glass half-full or half-empty person?  This can certainly bleed into your investing style.

Equity investors can be either optimists or pessimists but bond investors tend to be pessimists.  Why?  Bond investors are focused on receiving their interest payments and return of principal at maturity.  They are focused on what could go wrong.  Bond investors see risk as the driving force in their analysis.  Don’t get us wrong, there is nothing wrong with analyzing risk with any kind of investment, but there is another way.

Optimists are more focused on what can go right both with regard to macro-variables (the economy, aggregate earnings, inflation, interest rates, etc.) and also individual stocks (earnings, cashflow, margins, dividends, …).

We are optimists.  Why?  More things typically go right than wrong.  The U.S. economy and earnings grow over time.  We recognize cyclicality for what it is – part of capitalism.  We live in an economic system of growth based on demographics, technology, entrepreneurial spirit and productivity.

Of course we pay close attention to risk, too.  Every prudent investor should do so but we wait for good things to happen.  It is easier to do that as a long-term investor.  Sometimes it takes a while for the positives to unfold.  Patience helps.

Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Real Retirement Solutions

designed to improve
  • Wealth Preservation
  • Management of Risky Assets
  • Peace of Mind

This is achieved through an ongoing assessment of market risks given your specific financial situation and goals.

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Professional Expertise

Leadership Team

Richard Furmanski

Richard Furmanski

CFA

has been a portfolio manager and analyst for over 35 years. He manages conservative, tax-efficient portfolios for both pre-retirees and retirees. His lower risk approach appeals to investors who want less volatility and competitive risk-adjusted returns.

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Mary Ellen Adam

Mary Ellen Adam

Director of Operations

has been in office administration for over twenty years. Her experience includes customer service, firm operations, and office administration. She interacts with our clients on a day-to-day basis and handles any requests that may arise.

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Frequently Asked Questions

If you can't find the answer to your questions here, feel free to give us a call at 847-847-2505

Do you manage both stock and bond portfolios?

Yes. We build a portfolio of conservative, high-quality stocks and hold them for the long-term. The average holding period is 4 – 5 years. Our focus is on stocks that are suitable for retirement portfolios.

Our high-quality bond portfolios are designed to provide both income and stability of principal. Bonds provide the anchor for balanced accounts (those holding both stocks and bonds).

What is your investment philosophy?
We take great care in purchasing only high-quality stocks and bonds intent on a multi-year holding period. Portfolio turnover and taxable realized gains are modest in comparison to other active managers. We do not time the market but will become more defensive, in terms of stock holdings, when market conditions warrant.
Will the portfolio be managed in accordance with my financial goals?
Yes. Each of our clients has a custom-tailored portfolio. These custom portfolios are designed to meet specific client objectives with a thoughtful approach to specific constraints such as risk tolerance. And as each client’s situation changes, the portfolio does as well. There is no cookie cutter approach.
What kind of expertise do you have and how can that help me in difficult markets?
We have been working with high-net-worth clients like you since 1982. Over that time we have helped them to navigate several bear markets and financial crises (including the stock market crash of 1987). We hold the Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP) designations.
Are you sensitive to taxes when managing portfolios?
Yes. Our holding period for an individual stock averages 4 plus years which means our turnover is low and realized gains can be carefully managed. Further, where possible, we tax loss harvest small losses as a way of offsetting gains taken elsewhere in the portfolio.
How have you performed?
Results will differ by client and the level of customization but we have provided competitive investment returns for many years.
How do you charge for your services?
We charge a management or consultant fee based upon the size and level of customization of the account. As the account grows, we benefit together.

Recent Commentaries

Stay up to date with all of our latest comments and analysis.

April 2026 Market Commentary

EARNINGS DRIVE STOCKS, NOT HEADLINES The drawdown in stocks has been accelerating since our last commentary.  Through...

February 2026 Market Commentary

January was a battle between high quality stocks and lower quality stocks. Lower quality stocks won.  That includes small and micro caps.  (Our view is that the primary small cap stock index, the Russell 2000, is a low-quality index.  About 40% of stocks in the index...

January 2026 Market Commentary

THE INVESTMENT LANDSCAPE FOR 2026 Happy New Year!  The beginning of a new year is as good a time as any to take an inventory of important variables affecting investors and to see what the investment landscape looks like.  The summary below attempts to do just that....

December 2025 Market Commentary

Current retail investor sentiment is mostly mixed so not much to be taken from that. However, one indicator stands out.  Last week the CNN Fear and Greed Index was sitting at one of its most “extreme fear” levels of the year – see below. Source:  CNN Remember that...

Monthly Updates

April 2026 Mid-Month Recap

If you find that your portfolio’s investment returns are dominated by a small handful of stocks, you are not alone. We have experienced the same thing. Burton Malkiel (renowned author of the classic “A Random Walk Down Wall Street”) did a recent study about this...

March 2026 Mid-Month Recap

In January we wrote the “three-headed monster” (courtesy of Bespoke Investment Group) was flashing green. The three variables – oil, Treasury yields, and the dollar – were all in downtrends which bodes well for stocks.  In the last three weeks we have seen a massive...

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