Comprehensive Money Management

Bill's Blog

Happy Independence Day

Perhaps you’ve heard…  The first six months of 2022 was the worst yearly start for the US stock and bond markets for any period since 1970.  Most investors are down more than 20%.  Investors with concentrations in high-flying tech stocks are down 50% or more.  You are not “most investors”.  To the contrary…  We built your portfolio for times like this.  That foresight and wisdom is now paying off. ..
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“Happiness is the meaning and the purpose of life, the whole aim and end of human existence.” – Aristotle  Face it – you spend a lot of time at work – often more time than you spend with your family, with friends, more than you have for yourself. If you’re going have that much time invested in your business, you might as well enjoy it. You owe it to yourself to be happy in your career. Let me begin by sharing what I consider..
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Inflation and Interest Rates – Why They Matter

This blog is going to be long. I blame the word inflation, be it transitory or not, for inflating its length.  Many of the thoughts and words were compiled from articles written by two of my favorite authors on the subject of economics and investing:  Vitaliy Katsenelson and John Mauldin (from whom I have borrowed liberally).   The number one question I am asked by clients, friends and random strangers is – “Are we going t..
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An Exponential Ride

I've got to admit it's getting better A little better all the time I have to admit it's getting better It's getting better since you've been mine Getting so much better all the time– Getting Better, Paul McCartney and John Lennon, 1967, “Sgt. Pepper’s Lonely Hearts Club Band” albumThe last year brought exponential growth in – among other things – use of the word “exponential.”  It is now the go-to term when you want to say..
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It’s a Whole New World

So much has changed in our lives in 2020.  Everyone is feeling stressed.  Here are a few of today’s top stressors.  It’s not a complete list.  What are your top 5 stressors?  And what does it say about our current situation if you have difficulty limiting your list to just 5? PandemicSickness and deathLockdownsJob loss/Furloughs..
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Goldman Sachs: National mask mandate needed to restart US economy

Government mandates to wear a mask in public have become a uniquely hot-button issue in the U.S., which finds itself in the throes of a coronavirus crisis that appears to be drifting out of control by the day.  The debate pits scientific consensus against libertarian philosophy.  The public welfare against individual freedom.  Reasoned thought against inflamed tribal passion.“Your liberty to swing your fist ends where my nose beg..
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Pizza, Beer and Getting Punched in the Mouth

When I was a kid living in Tucson, Arizona, my family of seven often packed into our Chevy station wagon and headed to Shakey’s Pizza Parlor on Friday nights.  My ten-year-old self loved Shakey’s.  It wasn’t just about the pizza.  There was something magical about the overall experience.  Shakeys’ was always packed and noisy.  Mechanical “player pianos” pounded out music.  Live musicians in straw hats wan..
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My Support for You in a Crisis

Good evening.I’m sure you don’t have to be told that our country – and the world—are in a big awful mess.  The Covid-19 virus has disrupted everything: our sense of personal safety, our jobs, the economy, and – for an undefined period of time – our investment portfolios.  I’m reminded of the stories my mom and dad shared with me about growing up during the Great Depression and World War II.  They were stories of colle..
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Perspective in the Panic

Back in 1987, right after the markets had experienced the famous “Black Monday” decline which took the Dow Jones Industrial Average down by 23% in a single day, the cover of the weekly Barron’s financial publication featured a suitcase with the frightened eyes of investors peeking out of its dark recesses, and an arm reaching out to wave a white flag.This weekend—after the worst market week since the 2008 financial crisis—and one of the..
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Live Long and Prosper: Resources That Will Change Your Life

 Yes, it’s true.  Jae and I are fully committed to a whole food, plant-based (WFPB) lifestyle.  Variations on this theme include the Mediterranean, Flexitarian, Nordic, Ornish, DASH, Engine 2, Mayo Clinic and Vegan diets.  All of these diets emphasize eating fiber-rich, low-fat unprocessed whole plant foods to maximize health, prevent or reverse disease, and increase longevity.  WFPB diets minimize or avoid processed fo..
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Why Do-It-Yourself Investors Underperform

The results of research performed by Dalbar Inc., a company which studies investor behavior and analyzes investor market returns, show that the average investor consistently earns below-average long-term investment returns.  This is amazingly consistent no matter what time period is measured.Their 2016 study looked at the twenty-year period ended December 31, 2015.  During this period, the S&P 500 Index averaged 8.19% a year – a p..
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Healthy, Wealthy and Wise

In recent months, many of my clients have experienced health issues that impact their enjoyment of life and plans for retirement.  Health and wellness have become a greater concern as Americans face an epidemic of heart disease, cancer, diabetes and obesity.  Long term financial planning starts with an assumption that you’ll be here to enjoy the long term.  This month’s blog, “Healthy, Wealthy and Wise” takes a detour from ..
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Broken Eggs

We face a looming retirement crisis that will impact millions of elderly and soon-to-be elderly Americans, as well as our children and grandchildren who will have to bail out those generations.The Facts:Overall Population·        78% of Americans live paycheck to paycheck.·        1 in 4 don’t set aside anything for savings each month...
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What Do I Own and Why Do I Own It? 2019 Update

In times of economic turmoil and financial market upheaval, it’s a good idea to take a deep breath and reflect on this question.  Understanding what you own and why you own it is the first step toward building confidence and conviction.  Confidence and conviction are always tested during periods of market volatility.  The more you understand about the design of your portfolio, the better you’ll sleep at night when the world aro..
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Confessions of Your Investment Manager: I’m preparing for a Market Crash

As we enter the eleventh year of economic expansion, valuations in the US stock and bond markets have reached all-time highs.  Real estate construction is booming.  Cranes fill the skyline in every major city in the US and many around the world.  Unemployment is low.  Inflation is moderate.  Optimism is high.  Meanwhile, consumer, corporate and government debt are extraordinarily high and rising, salaries are stagnan..
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Thriftville & Squanderville -- A True Story

Thriftville and Squanderville: Our generation's greatest investor and big picture thinker--Warren Buffett--came up with these names in an article in Fortune magazine published in October of 2003.  As our politics deteriorate and our nation becomes increasingly fixated on culture wars--few seem to notice the huge asteroid (figuratively speaking) that is heading our way. This asteroid may not be quite existential, but it may bring to humanity ..
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Politics and Investing Don’t Mix

When it comes to your investment portfolio, should you ignore the noise coming out of the White House? Or should we be making changes?  What does Trump mean for your investments? Here are the most common questions I’ve faced on this topic in recent months and my answers:No. 1. How will Trump affect the economy and the stock market? We start with an overlooked truth: Presidents, regardless of party, get too much credit for when things ..
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How “tax reform” will affect YOUR wallet

The most significant changes under tax reform is the tax treatment of businesses. Unlike changes to the individual tax scheme, which are temporary and somewhat piecemeal, the changes to the business tax scheme are permanent and fairly comprehensive. Changes in tax law always results in winners and losers.  This time is no exception.  Here’s a quick synopsis of the five biggest winners and losers with the new tax law:Winners..
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Stop Worrying… Embrace the Security Freeze

The recent cybersecurity attack that hit the credit reporting agency Equifax has been called the worst data breach in the history of the modern era.  While this may be true, it’s likely your data was stolen long before the Equifax fiasco.    A majority of Americans (64%) had already experienced at least one type of data theft, before the Equifax breach was reported, according to Pew Research Center.  Most are unawa..
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When is your Financial Independence Day?

On July 4, 1776, a small band of colonial leaders declared independence from the Kingdom of Great Britain.  The American Revolution changed the course of world history forever and launched a nation that no other has since rivaled. In the spirit of the heroes of the American Revolution, would you be willing to consider declaring your own revolution...your Declaration of Financial Independence? 5 Stages of WealthTo get where you want..
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Contact Info

Comprehensive Money Management Services LLC
535 Vilabella Avenue
Coral Gables, FL 33146
Phone 305-662-7757
Fax 305-402-8409
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

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Comprehensive Money Management Services LLC (“CMMS”) is a Registered Investment Adviser located in Coral Gables, Florida. The firm is registered with the State of Florida Office of Financial Regulation. CMMS and its representatives are in compliance with the current filing requirements imposed upon Florida-registered investment advisers and by those states in which CMMS maintains clients.

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