October 9, 2013 In Market Commentary By Bob Frazier

State of Affairs – Our Perspective

Most likely you are asking the same question we are. What is going on in Washington? And how and when does it end? We clearly have an acrimonious situation in Congress that has caused a government shutdown.  Coupled with the looming debt ceiling deadline of October 17th, this state of affairs is creating mounting uncertainty and great angst for investors. It must be remembered this is a political problem and most likely not an economic problem. Most economists forecast a shutdown that gets resolved within 30 days will impact 4th quarter GDP by just 0.1-0.2% and have no ongoing negative impact. In fact, our best guess is that GDP growth over the next two years will be relatively steady around the 2% level. This is certainly not robust growth but better than most developed economies.READ MORE

October 8, 2013 In Planning, Tax Strategy, Wealth Management By Vince Lee, CPA/PFS, CFP®

2013 Year-End Personal Tax Planning Considerations & Checklist

As we approach year-end, tax planning considerations should be starting to take shape.  New tax legislation has brought greater certainty to year-end planning, but has also created new challenges.  The number of changes made to the Tax Code and the opportunities these changes bring may seem overwhelming.  However, early planning will help you to maximize your potential tax savings and minimize your tax liability.  Here is some key high level year-end tax planning strategies.READ MORE

October 8, 2013 In Market Commentary, Markets By Chris Judy

The 3rd Quarter Winds Down

September 2013 marks the five-year anniversary of the financial market collapse in 2008; we have certainly come a long way in those five years. With the S&P 500 and the Dow eclipsing all-time highs and interest rates having stayed low for the longest stretch in 50 years, most investors have already received quite a benefit from the fount of cheap money.  Since September 2008, a meaningful economic recovery has taken place.  Look at the results since the equity markets bottomed out in March of 2009:READ MORE

October 8, 2013 In Investment Strategy By Joe Cervantes

Consider Dividend-Paying Stocks

In this low interest rate environment, income-minded investors, who have some tolerance for risk may find dividend-paying stocks attractive.  In fact, nearly 40% of S&P 500 companies have dividend yields above the 10-year US Treasury bond yield.

The appeal of dividend-paying stocks is easy to understand as they can provide investors with regular income regardless of market conditions. In addition, many dividend paying companies increase their dividends over time thereby creating a growing cash flow over time versus the fixed coupons of bonds.  It is important to note, however, that equities typically exhibit a higher volatility of returns than bonds, and the underlying company may choose to increase, decrease, and/or eliminate the dividend at any time.  Regardless, we consider dividend paying equities an important part of a well-diversified income-generating portfolio.READ MORE

October 8, 2013 In Awards & Recognition, Coldstream Happenings By Catherine Williams

About Coldstream

R.O.C.K.star Awards 2013

As part of our annual all-company retreat, an award is given to those individuals who go above and beyond the call of duty in the care of our clients, the company and our core values.  This 100% peer-nominated award is based on exemplary performance in the following areas.

R.            Responsive to the needs of our clients and the firm

O.           Ownership of their work and contribution to their team each day

C.            Client-centric with both the internal and external client

K.            Knowledge that is shared and inspires all of us to be leaders within our respective disciplines

We congratulate Bob Frazier, Paulette Andersen and Dave Lester as our 2013 R.O.C.K.stars!READ MORE

August 9, 2013 In Disability Advisory Services By Roger Reynolds

Disabled Advisory Services

Wealth in the form of an injury settlement requires a unique and comprehensive management approach.  Compassion, education, understanding family dynamics and building a team around you who will serve for years to come are hallmarks of our Disabled Advisory Services.  We have established key strategic relationships with other service providers to facilitate any projects or initiatives you require to navigate the new complexities of your life.

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