Earnings season has been strong. The results could have sparked more bearishness, but instead have generally been a sigh of relief.  Of the companies that have reported so far, an above-average 73% beat earnings estimates, and 63% beat sales estimates.  In terms of guidance, an equal number have raised guidance and lowered guidance (4%).  We expected a higher percentage of companies lowering guidance than raising guidance, but that has yet to play out.  Of course, some companies aren’t willing to provide guidance at all due to tariff policy.  So far so good.

Let’s hope President Trump doesn’t change his mind and once again go after Fed Chairman Jerome Powell and lobby to replace him before his term is up in May 2026 or try to take away the Fed’s independence. Although an arguable point, such a battle would likely end up at the Supreme Court with President Trump losing the case.  We are as concerned about this as we are about tariff policy.  The Fed losing its independence would be a shot heard around the world.  The effect on our economy and markets would be extremely damaging.

This all started when President Trump was reacting to Mr. Powell’s remarks that the President’s tariffs complicate the Fed’s job of maintaining stable prices with low unemployment.  Powell spoke the truth.  Tariffs are a tax, which means higher prices for tariffed goods.  And President Trump is right that the Powell Fed has been wrong before but Mr. Powell is right to be wary of trying to offset the impact of tariffs by easing money too much or too soon.

Hopefully we have heard the end of this.  If the President wants faster growth and less market turmoil, he can help by taking his foot off the tariff accelerator.

S&P 500 IS UP 10% OFF APRIL 8TH LOW

The S&P 500 did not make it to official bear market territory at its April 8th low – down 19% from its February high.  Since then, it has bounced back about 10%, but remains well below its long-term 200-day moving average.  It is far from trading in the nice, steady uptrend we saw in 2023 and 2024 before tariffs took control of the markets.  Further choppiness is likely in the near-term given this headline-driven market.  That being said, market action since the lows made earlier this month has nearly always been followed by higher prices six to twelve months out.

Breadth continues to be a big positive.  The cumulative advance/decline line is getting close to making a new high.  This suggests the S&P 500 should ultimately resolve higher.  The NASDAQ 100 had a 100% positive breadth day last Tuesday, a rare occurrence – every stock in the index traded higher.

Until last week, technology stocks, including the Mag 7, were left for dead during the mini-crash.  They have rebounded sharply and are now back to within 1% of the YTD S&P 500 return.

We are also happy to see the equal-weighted S&P 500 stock index perform in line with the published cap-weighted version.  It has been a broad-based rally no longer dominated by tech.  This is a necessary development in our view for the bull market to find its legs again.

We continue to focus on upgrading client portfolios with new stocks with high growth prospects and reasonable valuations.  This is admittedly getting harder as many purchase candidates have already risen 10-20% off the lows.

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.

Get Started

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.

View full bio

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.

View full bio

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 2025 Market Commentary

IS IT ONLY TARIFFS? The blame for the market’s drop lies squarely on the shoulders of tariffs.  During the period when...

March 2025 Market Commentary

Here are our final thoughts on the just completed earnings season for Q4 ’24. Both the EPS and revenue beat rates were very solid.  Of course, earnings are, in part, a lagging indicator.  They don’t necessarily tell us much about what happens next.  Guidance helps...

February 2025 Market Commentary

One of the risks equity investors face is “headline risk.” Headline risk is being surprised (blindsided) by a bad news headline.  It can be stock specific or relate to the entire market.  Yesterday, investors got a dose of headline risk with news that a Chinese...

January 2025 Market Commentary

The S&P 500 has had a 20%+ return for two years in a row. It has only rallied 20%+ in back-to-back years three other times in history.  Last year’s advance was mostly smooth without a 10% correction along the way.  The ‘Mag 7’ now account for a third of the...

Monthly Updates

April 2025 Mid-Month Recap

The shares of Apple common stock peaked just after Christmas and then lost a third of their value in less than four months. They have since recovered about 17%.  There are many stocks that have been more volatile but Apple is the largest company by market value in the...

March 2025 Mid-Month Recap

It is ironic that the relative strength of international stocks versus U.S. stocks bottomed right when the “Make America Great Again” president was inaugurated.  But that is exactly what happened.  There has been a wide performance disparity that has emerged this year...

As a current or near term retiree you have real concerns…

We provide dedicated solutions
Contact Us