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Savannah Fiduciary Seminar Makes 2015 Presentations and Exhibits Available Online

The Savannah Fiduciary Seminar has made the 2015 presentations and exhibits available online in the form of podcasts, PDF downloads, and PowerPoint presentations. The Seminar brings together top professional service firms to present important updates, insights, and practical tips for 401(k) and Defined Contribution Plan managers and administrators to meet key fiduciary duties. The 2015…

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Fiduciary Group Teams up with Focus Financial Partners

April 2015  By: MALCOLM BUTLER, JD

The Fiduciary Group has entered into a strategic partnership with Focus Financial Partners effective April 1, 2015. Focus is the world’s largest partnership of independent wealth management firms, with partners across the United States and in the UK and Canada. We became the 32rd partner firm and the first and only firm in the Coastal…

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Active vs. Passive Mutual Funds

April 2015  By: JULIA BUTLER, CFP®, JD, MBA, CFEI

Are mutual fund investors better served by investing in actively or passively managed mutual funds and ETFs? Short answer: depending on one’s individual circumstances, both types of funds can play a positive role in a well-diversified investment portfolio. Diversification among active and passive strategies can be additive to a portfolio’s returns, reduce overall expenses, and…

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Rising Equity Glidepath in Retirement

January 2015  By: MALCOLM BUTLER, JD

Conventional wisdom in the investment advisory world has typically been that retirees should gradually reduce their equity exposure during retirement. One popular rule of thumb is that equity allocations should be annually rebalanced based on a formula of 100 less the retiree’s age. For example, a 70 year old retiree should have 30% equity (100-70)…

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Putting the Brakes on the Emotional Rollercoaster

January 2015  By: JULIA BUTLER, CFP®, JD, MBA, CFEI

Emotions can cause investors to do the wrong thing at the wrong time. We all know, rationally, we should buy low and sell high. Yet emotions can cause investors to do just the opposite. Market cycles—and the emotions that they incite—can feel like a roller coaster ride. When the stock market is rising, investors feel…

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The Gen-X 401(k) Millionaire

October 2014  By: JULIA BUTLER, CFP®, JD, MBA, CFEI

Generation X—those born between 1965 and 1978—is known as the “401(k) generation.” They entered the workforce about the time that 401(k) plans were being introduced, and started their own retirement savings earlier than prior generations (the average age to start saving for retirement was 27). They highly value 401(k) plans as an important benefit, evidenced…

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Investing Cash in Bull Markets

October 2014  By: MALCOLM BUTLER, JD

A common question that I frequently hear from our clients at The Fiduciary Group is “how can we invest fresh cash in stocks and bonds when prices seem so high?” Stock indices have repeatedly set new records this year, and bond prices have moved higher as yields have hovered near historic lows. Investors have continued to put…

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Corporate Cash Allocation Decisions

July 2014  By: JOEL GOODMAN, CFA, SCOTT McGHIE, CFA, CPA

Although the economic recovery since the 2008 financial crisis has been less than robust, companies have been doing quite well. Corporate profits as a percentage of GDP are at record levels, as companies have benefitted from the tailwinds of low interest and labor costs, while also focusing on the bottom line. This operational proficiency has…

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Advice to My Children

July 2014  By: MALCOLM BUTLER, JD

In our last newsletter, I wrote about the investment advice that I learned from my father. In this issue, I will pass on the investment advice that I would like to share with my three children in the hope that it might also benefit the children and grandchildren of some of our Fiduciary Group readers….

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Understanding Mutual Funds

July 2014  By: JULIA BUTLER, CFP®, JD, MBA, CFEI

When I meet with 401(k) participants to educate them about saving and investing, I always start with the basics—explaining, among other things, what stocks, bonds, and mutual funds are, and how and when they might be utilized in an investment portfolio. Because participants seem to find this information helpful, I thought it might be beneficial…

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