Category: Uncategorized

Earlier this week, we emailed our clients to discuss the recent stock market decline. Figuring that others might appreciate our viewpoint, below is the entirety of that email. Esteemed clients, In August we authored a post about how you will (probably) feel when the market (eventually) crashes. The piece discussed some of the emotions we inevitably experience during…

Nobody can predict the short-term direction of the stock market, and it is not something we would attempt. Still, we can be confident that the stock market will crash again at some point in the future. For those of us in our 30s and 40s, we are all but certain to experience several more crashes in our…

The majority of our clients are at least a decade away from retirement, and most are still 20+ years out. Yet all of our clients have at least a small portion of their portfolios allocated to bonds (via low-cost, passively-managed, diversified bond mutual funds or ETFs). A reasonable question to ask – and one we hear frequently…

With Bitcoin (and other “cryptocurrencies”) in the news on a daily basis, we wanted to provide our quick thoughts on whether or not it belongs in your portfolio. In May we detailed our process for evaluating an asset class. In that post we describe our criteria, starting with: …Does the asset class represent an “investment” or…

If you make all of your charitable donations using your credit card, you are almost certainly leaving money on the table. Whenever possible, you should donate appreciated securities, typically stocks, mutual funds, or ETFs that have increased in value since you purchased them (and that you have held for at least a year). You receive a…

We are excited to announce a partnership with Bank of America Private Bank that provides Geometric’s clients with discounted mortgage rates and flexibility in loan structure. Geometric’s client base is a uniquely-successful group of high-earning professionals. Individually, each would be a desirable customer for just about any lender.  Pooled together, they are even more so. We have…

We recently came across two charts that provide valuable lessons from past stock market crashes. The first chart uses data from Dimensional Fund Advisors and shows the 1-year, 3-year, and 5-year returns of a balanced portfolio (60% stock / 40% bond) in the years following recent market crises: The point being, if you don’t allow a…

Geometric Wealth Advisors’ client portal is now available as a mobile app for Apple and Android devices. Our portal allows clients to see all of their investment accounts in one place – regardless of where they are held – and to view the asset allocation and performance across the holistic portfolio. While not identical, the mobile version…

When evaluating an asset class for inclusion in client portfolios (and our own), we consider three things: First, does the asset class represent an “investment” or a “speculation?” People often conflate the terms, but an “investment,” by definition, is expected to produce a future stream of income, while a “speculation” is a zero-sum bet between the buyer…

The Department of Labor’s “Fiduciary Rule” is a welcome change. It will require all financial advisors who manage retirement assets to put their clients’ interests ahead of their own. We strongly support this standard, but as Jason Zweig of the WSJ points out, simply serving as a fiduciary does not eliminate all conflicts of interest. Zweig suggests that advisors be…