Maximizing Your Charitable Giving

When the Tax Cuts and Jobs Act increased the standard deduction, many predicted that charitable donations would decrease. While data about charitable giving for 2018 has yet to be released, we believe that this will not be the case. The U.S. is considered the world’s most generous country, having donated more than $410 billion in 2017 alone. In our opinion, Americans...

Why long-term investing is similar to buying a home

For many, investing in a corporation is more like a trip to Las Vegas than a commitment to their financial future. However, when you think about long-term investing consider the parallels between purchasing a home and selecting high-quality investments. For the vast majority of Americans, their most profitable asset will continue to be their home. We believe the reason for this success is twofold:...

Financial Planning in Your 30s

How you save, invest and spend your hard-earned money is naturally going to change as you move through your life. In your 30s, there’s less room for big financial missteps, but with a few simple wealth management strategies and by making consistent smart choices, you’ll feel better knowing you’re on your way to securing your financial future. Get savvy with retirement ...

Let’s Talk About the Interest-Rate Hike

As we dive into the New Year, economic uncertainty and the impact of rising interest rates are making some investors nervous. Before you get too concerned, let’s discuss the key takeaways from the interest-rate hike and why a long-term investment philosophy is beneficial — especially during times of volatility. Here are the facts:

• The Federal Reserve recently raised its benchma...
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During volatile time, focus on future earnings growth

As of the writing of this letter (Friday, Dec. 7) the futures for Monday's market open jumped measurably at the news of President Trump and President Xi's agreement to postpone the imposition of additional tariffs on Chinese imports. While at some level this news is cause for encouragement, particularly for the speculative market participant, the investor, who is focused on a reasonable time hori...

Comparing Earnings & Offsetting a Decline

As listed in the image to the right the companies selected for investment posted very impressive earnings. For the most part, the earnings are remarkable when compared to the more moderate earnings results for the S&P 500. The earnings per share percentage changes are 2018 results versus a year earlier. (See EPS Growth in the image to the right) Since our founding in 1981, we have never ...

Investing Advice for Millennials

A recent survey found that most “younger” millennials — between the ages of 18 and 24 — have less than $1,000 in savings and the majority have nothing saved at all. This generation isn’t taking the situation lightly however, as 57% of millennial employees report that they’re stressed about their financial state. Fortunately, if you’re in this age group you can make a few simple chang...

Evaluating the market & companies selected for investment

As listed below the companies selected for investment posted very impressive earnings. For the most part, the earnings are remarkable when compared to the more moderate earnings results for the S&P 500. The earnings per share percentage changes are 2018 results versus a year earlier. EPS Growth: -AT&T +21% -AmerisourceBergen +10% -Apple +41% -Blackrock +27% -Camping World...

Current investment analysis & charitable contributions

Patience is a very important factor in investment success. This is particularly valid when stocks selected for investment decline when the overall stock market is appreciating, such as the current case with Camping World Holdings (CWH) and Winnebago (WGO). However, because we do our own research at J.L. Bainbridge, we have extensive knowledge of each company carefully selected for investment. This...

Timing the market, Required Minimum Distributions & other news

As Summer winds to a close and the S&P 500, Dow Jones Industrial, and Nasdaq are all makings new highs, it is more likely than ever for the human psyche to fall victim to the fool's errand of trying to time the market. With lots of experts on TV attempting to forecast the future of the markets, it is a good time to read Warren Buffet's quote, "We have long felt that the only value of stock fo...

Reconsidering your company’s retirement plan

Offering a 401(k) plan is a great way to attract and retain talent and help both business owners and employees save for retirement. The decision to sponsor such a plan, however, brings with it significant responsibilities, as well potential liability under the Employee Retirement Income Security Act and the Internal Revenue Code. Thus, doing it right is important. So is choosing the right type ...

Baby on board! Financial advice for new parents

Becoming a parent for the first time is one of the most exhilarating and joyful, yet equally terrifying, moments in any person’s life. In an instant, you gain a whole new perspective and set of responsibilities, especially in the area of finances. But with careful consideration and preparation, you can set your new family up for success. Here are a few financial planning suggestions for new p...

Inheriting an IRA: What you need to know

Transferring wealth when a family member passes away can prove to be a complex and confusing process. Inheriting a retirement account is not as simple as depositing the money into your bank account — there are stringent guidelines to follow, tax ramifications to keep in mind and long-term benefits and disadvantages to consider. IRS requirements and policies continually change, so make sure you <...

Evaluating current market volatility

Joel G. Oldham

The market has experienced renewed volatility over the past few weeks. Trade wars, interest rates, and privacy have dominated the headlines. When the Trump administration announced over $50 billion in tariffs on imports made in China, the DJIA(Dow) dropped more than 1,100 points. Only to be followed by the Dow rising almost 3% when the Chinese said they were open to improving access to their marke...

Playing the long game

Joel G. Oldham

Recent market activity, like the abrupt decline we saw in February, has many people understandably unsettled about their financial future. If you’re a long-term investor, however, these minute-by-minute fluctuations should serve as an important reminder of your big picture strategy. Gains for long-term investors are won not on daily market oscillations, but rather from growth experienced over ma...

Market volatility & changes from the new tax bill

D. Ryan Thompson CPA

This year, there has been one constant in the market... volatility. 2017 was one of the least volatile years in the last century, with only 4 trading days having more than a 1.5% downward move. We do not expect the recent extreme volatility, 1,000 point moves up and down, to persist, but relative to 2017, we anticipate that volatility will remain a fairly consistent part of the movements in the ma...

Four Questions to Ask During Your Annual Financial Review

John Leeming CFP®

Whether you’re gearing up for retirement or just starting your career, regular financial checkups are critical to ensure your monetary well-being. With the rush of the holidays now behind us and before 2018 is in full swing, January is the perfect time to meet with your financial advisor, evaluate your personal finance objectives and adjust your investment strategy as necessary. Here are a fe...

Keeping Your Cool in Hot Markets

Joel G. Oldham

As market valuations continue to climb upward, investors can develop a fear of heights, nervously anticipating a major correction — or worse. While many of our own clients have expressed concern about the high market, long-term investors — rather than speculators— are among those who should feel the most secure. That’s because they are invested in companies with a proven record of double-d...

J.L. Bainbridge is presenting sponsor for 5th annual Men, Whiskey, Watches and Wheels

J.L. Bainbridge & Company, Inc. is supporting the Child Protection Center as the presenting sponsor for the 5^th annual Men, Whiskey, Watches & Wheels. Event proceeds will support the CPC’s mission in the prevention, intervention, and treatment of child abuse. “We all have a responsibility to do anything we can to support children in our community who need our help,” sai...

Rethinking retirement risk

Conventional wisdom encourages investors to decrease the amount of stocks in their portfolio as they near retirement. But what happens when the “bonds are better” axiom no longer rings true? In our low interest rate environment, the yields of bonds and other fixed income investments like Treasuries and CDs have plummeted. With the purchasing power of bonds considerably eroded, retirees relyin...

Sept. 18 Hurricane Irma update from J.L. Bainbridge

Joel G. Oldham

Update: 9-18-17 We're pleased to report that power has been restored in our office and our server is up-and-running. We can once again access our J.L. Bainbridge & Company, Inc. emails and our services are fully functional. Thank you for your patience! Our thoughts are with those who are still recovering in the wake of Hurricane Irma.