A Few Words on Market Volatility

We are sure you have already heard all about the “largest single-day point decline” for the Dow on Monday: down 1,175 points (or -4.6%). The dramatic headlines are all focusing on the “tremendous sell-off on Wall Street,” and market commentators are already taking credit for knowing that this was bound to happen because interest rates […]

Read More… from A Few Words on Market Volatility

To Bit or Not to Bit: What Should We Make of Bitcoin Mania?

December 2017 Bitcoin and other cryptocurrencies are receiving intense media coverage, prompting many investors to wonder whether these new types of electronic money deserve a place in their portfolios. Cryptocurrencies such as bitcoin emerged only in the past decade. Unlike traditional money, no paper notes or metal coins are involved. No central bank issues the […]

Read More… from To Bit or Not to Bit: What Should We Make of Bitcoin Mania?

Are Emotions Sabotaging Your Investments?

Do you recognize what role your emotions play in your financial life? Are your decisions swayed by fear, greed, confidence, and regret? As a financial adviser, one of the first topics we always discuss with new clients is their financial and emotional tolerance for risk. It is equally as important that we understand their emotional […]

Read More… from Are Emotions Sabotaging Your Investments?

Market Commentary: Fall 2017 – Lessons for the Next Crisis

LESSONS FOR THE NEXT CRISIS It will soon be the 10-year anniversary the S&P 500 Index hitting what was its highest point before losing more than half its value over the next year and a half during the global financial crisis. Over the coming weeks and months, as other anniversaries of major crisis-related events pass […]

Read More… from Market Commentary: Fall 2017 – Lessons for the Next Crisis

Help! All My Friends are Making a Killing in Stocks

The other day my wife turned to me and asked me if were invested in “stocks.” I sat there in shock. In our fifteen years of marriage she had never uttered one word, asked one question or showed any interest in our investments. I manage our money and would show her our balances and say […]

Read More… from Help! All My Friends are Making a Killing in Stocks

Does Excluding Energy and Utilities Diminish Returns

Does excluding energy and utilities diminish returns for sustainable investors? At the request of the Sustainability Council at Dimensional Fund Advisors, on which Willow Creek Wealth Management is represented by its CEO Bruce Dzieza, DFA was asked to research the performance impacts of a portfolio that included no energy or utilities stocks – companies that […]

Read More… from Does Excluding Energy and Utilities Diminish Returns

Market Commentary: Spring 2017 – Financial Counsel’s Value

MAXIMIZE THE VALUE OF YOUR DECISIONS Many people struggle with understanding their finances, in part because, as they accumulate wealth, their financial situations become more complex. Adding to the issue, research has shown that it is common for investors to view financial advisors only as investment managers, whose sole job is to manage money on […]

Read More… from Market Commentary: Spring 2017 – Financial Counsel’s Value

Can You Spot a “Market Top”?

The current bull market in stocks reached its 8th anniversary on March 9, and for about the last four years, professional investors and financial planners have been scratching their heads.  The markets have gone up and up and up, and we all know that they won’t go up forever, which means there’s a correction looming […]

Read More… from Can You Spot a “Market Top”?

Broker vs. Fiduciary: Who’s Minding Your Finances?

Does your financial adviser have your best interests at heart? How can you be sure? Is your adviser a fiduciary or not? If you’re not sure, it may be a good time to find out. The fiduciary standard of care was laid out in the Investment Adviser Act of 1940. This standard requires registered investment […]

Read More… from Broker vs. Fiduciary: Who’s Minding Your Finances?