Comprehensive Money Management

Bill's Blog

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·&nbs..
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2128 Hits
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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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2436 Hits
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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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1594 Hits
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Market Pullbacks May Not Be Worth Waiting For

By William Neubauer, CFP MBA, Comprehensive Money ManagementI have noticed that many retail investors are currently sitting on cash and waiting for an opportunity to get back in the market. Many of these people either pulled their money out of the market after the Financial Crisis, or raised cash before or after significant political events like Brexit, or the US and European elections.Psychologically, the degree of cash on the sidelines can caus..
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2017: Party Like It’s 1999?

…or… How I Learned to Stop Worrying and Love Volatility (with credit to Dr. Strangelove)Why are we so diversified?  Why so many different asset classes?  Aren’t US stocks the best place to be?  Shouldn’t we be more aggressive?  These are a few of the questions I’ve fielded recently with ever greater frequency as the bull market in US stocks enters its ninth year----an unusually long period for any asset class to rise..
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1795 Hits
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Diversification, Discipline and Conviction: The Secret to Taming Fear and Greed

It is well understood in the field of behavioral economics that markets are built as much on human emotion as they are on fundamentals.  During periods of market euphoria, we become over-confident and prone to taking greater risk.  During periods of market gloom, we become despondent and head for the hills.  These behaviors of course are the exact opposite of what prudent investors should be doing.  Buying low and selling high..
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An Interview with Your Advisor

I get a lot of questions about our investment strategy, especially in times like these when a single asset class (US stocks) has been on a tear and virtually everything else has been lagging.  Here are a few of the most common questions and my responses:Is our strategy working?The goal of multi-asset diversification is first and foremost to avoid “the big loss” that tends to occur in any one asset class with some regularity every eight o..
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3205 Hits
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Take the Emotion Out of Investing for Better Returns

What do we know about the basics of investing? Buy low sell high. Diversify.  Invest for the long-term. Sounds easy, but it’s not. Every day I talk to investors who understand these concepts, and yet have difficulty executing them.  For many, this knowledge of what they should do vs what they are able to do on their own is the main reason they seek out a NAPFA-Registered “fee-only” investment advisor to manage their money based on..
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Investment Management is Simple, But Not Easy

The smartest people on Wall Street understand four wonderfully powerful truths about investing.  We could all benefit enormously by adhering to these four great truths:1.  The dominating reality is that the most important decision is your long-term mix of assets: how much in stocks, real estate, bonds, or cash.2.  Diversify within each asset class—and between asset classes.  Bad things do happen—usually as surpri..
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2619 Hits
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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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Disclosures

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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