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Investing

Financial Planning Information

Sherman Wealth Management provides you with relevant financial planning information to give you the resources you need to make informed choices. Read through our posts below and contact us to set up a free call for more information on creating a custom financial plan.

May 22, 2018

Patient Investors Come Out on Top

Many feel they don’t have the money they need to invest, so they forego savings altogether. Sound familiar? If this is you, the time has come for you to stop shooting yourself in the foot, and start saving today. Consistency while saving is key, and can make all the difference over time. Each dollar that […]
April 23, 2018

Money in Cash? Make Sure you’re Getting the Best Rate

While the stock market has been steadily climbing for the past few years, a surprising number of people are keeping a surprising amount of money in cash. And while everyone is going to have a certain amount of cash allocation, what’s even more surprising is how many people are losing out on maximizing the interest […]
April 13, 2018

Paying Hidden Costs Because your Broker’s not a Fiduciary?

Investors often choose big banks and investment firms over smaller financial advisors because they think the brand name and size makes the service and product offerings better. In actuality, it’s often the reverse. Unless your firm is a Fiduciary, chances are there are sales quotas and contests for the non fiduciary, “suitability” reps, who are […]
March 19, 2018

The Imperfect Fiduciary Rule just got Worse

Last Thursday, the U.S. Court of Appeals for the Fifth Circuit struck down the Department of Labor’s Fiduciary Rule, stating that it was “unreasonable’ that brokers handling investors’ retirement savings should be required to only act in clients’ best interest. Unreasonable for advisors to only act in their clients’ best interests? Let that sink in for […]
February 26, 2018

The “Kiddie Tax” is Changing: What You Need to Know Now

Saving on taxes, while saving for your child or grandchild’s college education, just got a little trickier thanks to important changes in the “Kiddie Tax”. The tax bill that was signed into law in December made some significant changes to how Uniform Gifts to Minors Accounts (UGMAs) and Uniform Transfers to Minors Accounts (UTMAs) are […]
February 15, 2018

Shocked by the Market’s Drop? Chalk it Up to Recency Bias

Whether you realize it or not, chances are good that you are prone to something called Recency Bias, which is the common tendency to think that what has been happening recently will continue to happen in the near future. If you, like many investors, are shocked and concerned about February’s sudden market volatility, it’s probably […]
February 7, 2018

The End of Low Volatility?

Whether you view Friday’s stock market sell-off as an adjustment to permit the markets to climb higher on a more solid base, or were nervous about the sharp short term “loss” of unrealized gains, it’s clear that the stock market’s meteoric, historically-long winning streak hit a bump in the road this week. Draw downs and […]
October 4, 2017

Sign of the Times

Sign of the Times It wasn’t too long ago that every teenager was fawning over the boy-band One Direction.  Now, only a few years later, the band members are all pursuing their own solo careers.  In his 2017 solo debut album, the former One Direction member Harry Styles sings the hook “Just stop your crying, […]
September 25, 2017

Sinking

Imagine this: you are in a car and it is sinking. You try pulling on the door handles but they won’t open because the pressure on the outside of the car is much greater than the pressure inside the car.  What do you do?  More likely than not, you are now panicking and you can’t […]
September 12, 2017

I’m New Here

Our summer intern turned part-time associate Dan McKenna wrote a great piece about his experience being new to the biz that I thought was worth sharing. ___________________________________________________ I’m new here.   The best word I can think of for explaining the experience of being a freshly-graduated analyst entering this market is… baffling.  Every week I […]