One of the headwinds for the market over the last few weeks has been the more hawkish commentary from Fed officials. This follows the surprisingly hawkish tone struck by Fed Chair Powell at the October meeting.  As a result, the odds of a December cut have tailed off from a near-lock to a coin flip.  It is not just the strength of the hawks’ arguments that are important, but the fact they appear to be convincing members of the committee who are generally less worried about inflation.

The shift in tone from the Fed has helped push up real (inflation adjusted) interest rates.  It is not a coincidence that the S&P 500 topped the day before yields rose in response to the October Fed meeting.  They have kept rising since.  This is a risk for stocks for now.

Earnings season is not quite over with retailers still due to report over the next couple of weeks, and the closely followed Nvidia results are due out tomorrow. Corporate profits continue to be strong and are forecast to accelerate.  Outlooks are improving rapidly.  This has been a strong quarter for triple plays (beat EPS, beat revenues, raise guidance) with more than 10% of stocks reporting that outcome.  Unfortunately, the average stock has not moved on good earnings during the current drawdown.  But forward guidance is giving us confidence that strong profit growth can eventually spark another rally phase.

A TALE OF TWO MARKETS

As we mentioned in our last commentary, what is going on under the surface of the stock market is distinctly different than the major market indexes which are still trading in the neighborhood of all-time highs.  Through yesterday, the S&P 500 is up 13.4% YTD but about one-third of S&P 500 stocks are down at least 20% YTD (source:  Bespoke Investment Group).  Technology and AI stocks have been the most volatile and are taking it on the chin for the third time this year.  Some quantum computing stocks, darlings for AI believers, are down 50% in two weeks!

Investors should ask themselves an important question here.  Is this market environment more similar to 1996 or 1999 of the dot.com bull market?  If 1996, we may have 3-4 good years left for this bull.  If 1999, we may be at the end of the cycle and investors should prepare for a bear market for the reasons bears are so quick to offer:  valuations, the supposed AI “bubble,” etc.

Because we think the AI thesis has years left to go, we are in the 1996 camp.  In our view, the market is giving us another chance to buy tech and AI stocks at big discounts to their October peaks.  Some of these stocks are now trading in bear market territory, even high-quality mega-caps like Meta.  One of the greater benefits to our economy from the AI boom is greater productivity which we are just starting to see.  This trend may have years to run.

Knowledge – Results

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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?

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

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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.

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As we enter our 45th year in the business of serving clients with portfolio management, we are reminded how fortunate we are to work with people like you – you inspire, challenge, and elevate the work we do.  We are truly grateful for your continued trust, support,...

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