We come across many clients and prospects who have purchased whole life insurance policies that don’t make sense for their financial situation. Insurance agents have a conflict of interest when selling these products to their clients as they earn substantial commissions from doing so. In this post, we hope to provide an unbiased analysis of whole vs term life insurance policies.
With tariffs dominating the news headlines, we went back to our Economics textbooks to determine what should have happened with expected inflation and interest rates. Turns out, sometimes economic variables seem to have a mind of their own.
Many financial planners will advise that certain asset classes should be held in certain account types, depending on the tax treatment of the asset class in question. For example, often we find planners advocating for fixed income securities to be held within non-taxable accounts like IRAs or Roth IRAs because the interest payments will be shielded from income tax while stocks, particularly non-dividend paying stocks, should be held in taxable brokerage accounts. In theory, this works well, but sometimes real world constraints can present problems with this methodology.
Do you want to buy some garbage? There’s a growing number of investment products that some within the industry consider to be garbage, but they want to market them to investors like you anyways.
Leveraged exchange traded products that double or triple the daily return (or its inverse) of a “hot stock” or the latest meme coin can sound like ways to strike it rich, but buyer beware.
Before you get tempted to buy one of these products, please make sure you understand the risks associated with them, which we think deserve a warning label.
In our last blog post we looked at how adding bonds to a portfolio of stocks can have an outsized impact on the volatility of the portfolio as compared to the reduction in return. What can be less intuitive is that sometimes adding a riskier asset can also have positive impacts on the risk-reward characteristics of a portfolio. Read on for an example.
Blue River Capital Management, LLC is a registered investment adviser in the States of Oregon and Washington.
Jack, co-founder and Chief Investment Officer at BRCM, excels in investment research and portfolio management. Transitioning from litigation consulting to investment management, he previously served as a portfolio manager at Baker Ellis Asset Management. A University of Oregon graduate with an MBA, CPA, and CFA, Jack is a high-level amateur golfer who finds joy in family time and staying updated on investment research.
Co-founder of Blue River Capital Management, Philip blends his decade of expertise from Baker Ellis Asset Management with a Chartered Financial Analyst designation. His financial journey began at the University of Arizona, competing in golf while studying finance. Off duty, he’s engaged in golf, skiing, and serves on the Board of Directors for the First Tee of Greater Portland. His wide-ranging interests encompass cooking, reading, travel (especially to Sweden), curling, and quality time with fiancé Jess and their dachshund, Milo.
