April 15, 2014 In Coldstream Happenings By Erika Yelle

The Heartbleed security flaw : Securing Your Information

Protecting our clients’ privacy and the confidentiality of their personal information has always been important to us. As our client, you may have concerns regarding reports involving the “Heartbleed” security flaw, which is reported to have potentially affected certain online sites that employ OpenSSL software. We would like to take this opportunity to reassure you that we have confirmation that your information is not impacted with respect to the security of your accounts at our primary custodians and third party vendors. We utilize Charles Schwab, Fidelity and TD Ameritrade as our primary custodians, AdvisorProducts Inc. (API) for the secure client login-only portion of our Coldstream website and Satuit as our Client Relationship Management Software (Satuit).READ MORE

April 15, 2014 In Wealth Management By Darren Ritchie

Wealth Management: The Role of the Investment Policy Statement

When our clients begin a wealth management relationship with Coldstream, the first thing they do is sign a stack of paperwork.  This generally includes an Investment Advisory Agreement – our formal contract with you, authorizations to trade your accounts, move assets and shop bonds from multiple brokers, and so on.  All of these items are valuable and necessary, but we try to highlight one particular document that otherwise might get lost in the shuffle: the Investment Policy Statement, also referred to as your ‘IPS’.  We believe the IPS is truly at the heart of what we do for our clients, and so it deserves a little extra attention.READ MORE

April 14, 2014 In Market Commentary By James Walsh

Polar Vortex : A Freeze on the Bull Market?

“As a newsman, I want to salute whoever came up with the term ‘polar vortex,’. It is terrifying but still sounds all science-y. A lesser meteorologist could have overreached with ‘arctic coldnado’ – Stephen Colbert 1/06/14

Hyperbole aside, while the polar vortex of freezing temperatures may have frozen most of the US, it had only a minor effect on market and broader economic activity in Q1. After a very hot year in the markets in 2013 it is reasonable to expect a cooling-off period.  In our last quarterly update our Chief Investment Officer, Bob Frazier, forecasted a 5-10% correction in the S&P 500 – he was spot on. READ MORE

April 14, 2014 In Tax Strategy By Kurt Biederman

Trust Basics

Introduction to Trust Basics

We find it beneficial to occasionally review the basics of trusts so our broader discussion of planning is more helpful.  There are numerous types of trusts, however all trusts share a common structure and generally share similar treatment by the law.READ MORE

April 11, 2014 In Coldstream Happenings By Coldstream

About Coldstream

St. Patrick’s Day Dash 2014St Paddys Dash 2014

The soggy Seattle rain didn’t stop “The Coldstream Team” of 38 strong from making it to the Finish Line along with close to 10,000 participants in the 30th annual St Patrick’s Day Dash on Sunday March 16, 2014 at Seattle Center.   We had a half dozen corporate team challengers with F5 Networks Team winning First place with close to 200 runners participating in the Dash, followed by Outerwall and Brooks Running.  All in all it was a festive and fun day; a great way to kick off our 2014 health and wellness initiative. Congratulations to all that participated!READ MORE

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