Third Quarter Choppiness – Where Do We Go from Here?

With a back drop of an increasingly solid economic landscape in the US, deflation fears in Europe, and geopolitical uncertainty in the Middle East, Ukraine and Hong Kong, it is not surprising that the third quarter was tumultuous. European equity markets, responding to slowing growth, were weak across the board. In the United States, the trend favored large cap stocks over small, Japan struggled to keep its economy growing, and emerging markets were mixed. The nearby chart shows the performance for global markets for the third quarter and year to date.READ MORE

New Hire

Tiffany Weymouth, CFP, joined Coldstream in September as a Private Client Services Associate on the Joe Cervantes relationship management team. She brings a depth and breadth of financial services experience to the role including private client services expertise, most recently from Key Bank Private Client Services in Bellevue, WA. She holds a Bachelor of Arts degree in Art History from the University of Washington.

Fall’s Arrival and the Return to School of Kids and Grandkids

Young adults are on the move – you’ve packed them up, bubble wrapped precious treasures, the sound of packing tape howling as it seals another box headed to college. The SUV completely stuffed – perhaps a U-Haul Truck depending on the size of the move. Whether it’s a dorm room, off campus housing, fraternity or sorority row house – some insurance considerations come into play.

Does it make sense for your college student to start a renter’s insurance policy (a baby homeowners policy for those away from home) – providing coverage for their household contents and personal liability?READ MORE

Coldstream Tactical Allocation Decisions: An Example

Investment decisions at Coldstream are made by our Investment Strategies Group (ISG), which is composed of client portfolio managers, as well as managers of other Coldstream investment vehicles such as our 401K and alternative investment products. ISG sets strategic parameters for its asset allocation decisions. These parameters are designed so that client accounts are balanced and diversifi ed among asset classes. Within these strategic parameters, ISG also makes tactical decisions. These tactical decisions all fall within ISG’s strategic framework, but we will overweight and underweight asset classes based on ISG’s view of the near to medium term prospects for each particular asset class.READ MORE

Company Retreat

Our company retreat this September took us to Mountain Springs Lodge in Plain, Washington where, during an active yet relaxing weekend, we fly-fished, rode horseback, and zip-lined. More importantly, the retreat provided a great opportunity to hone the cooperative and team-building skills vital to serving our clients. We were able to work and re-charge our batteries at the same time!READ MORE

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