There is an interesting dynamic playing out as we start Q3 earnings season. While investor expectations for the quarter may be high, analyst expectations are on the low side.  Stocks have historically rallied during earnings season, but when analyst sentiment is negative heading into the reporting period, the odds of a rally increase.

We started earnings season last week with big banks reporting mostly stellar earnings.  Regional bank earnings numbers were mixed with credit problems surfacing at a few major regionals, namely Zions Bancorp and Western Alliance.  The S&P 500 sold off on fears that credit problems might turn into an economy-wide problem with more “cockroaches” likely to appear according to JP Morgan’s CEO, Jamie Dimon (see the following section for additional comments on private credit).

TWO RECENT NEWS ANNOUNCEMENTS SCARE INVESTORS

In our last commentary, we wrote that the stock market is overdue for a drawdown.  The market is overbought and needs a break from its quick ascent off the April lows.  We just didn’t know what the catalyst might be to trigger a sell-off.  In fact there have been two major news stories since our last commentary that have tripped up the market:

1)  The U.S.-China trade war has resumed and looks like it may get worse before it gets better.  President Trump is trying to reverse comments he made on October 10th about the trade war that spooked markets.

2)  The recent collapse of auto-parts maker First Brands and subprime auto lender Tricolor Holdings scared the market into thinking that private credit problems may be a systemic risk to the economy.  This in spite of the fact that the big banks just announced in their earnings reports that their credit portfolios were performing well.  Consumers and small businesses “remain resilient” according to JP Morgan’s finance chief, Jeremy Barnum.

There has been a lot of churning going on under the market’s surface.  In fact, the average stock in the S&P 500 is down about 15% off its high according to Drach Market Research.

Our thinking remains the bull market will get back on track.  Here are some positive points to remember while many stocks are in correction mode:

–  Bull markets that make it to three years (as of October 12th) almost always make it to four years (eight out of the last nine times).

–  Seasonally we have the best three months ahead of us (mid-October through early January).  From a calendar perspective, this is as good as it gets.

–  Oil prices and other commodity prices are falling which should help inflation numbers.  If investors are so worried about inflation, why are longer-term Treasury yields falling?

–  Consumer spending remains strong and is rising at a healthy clip.  Labor market fears should be discounted given sales demand growth.

Of course, no one knows how long the current consolidation in share prices will last.  We remain optimistic in the face of news shocks that have temporarily motivated investors to be net sellers.

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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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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

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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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