Posts by dkelley

Q1 2021 Global Asset Allocation Views

Q1 2021 Global Asset Allocation Views Review The global economy showed resilience throughout the COVID-19 crisis of 2020, supported by a policy fueled recovery The roll-out of effective vaccines provides a light at the end of the tunnel Large household savings provides pent-up demand once all lockdown restrictions have ended Five phases of 2020 Early Optimism: Jan to Mid Feb – The biggest risk entering 2020 was the continued trade war between the U.S. and China.  A phase one deal was agreed, and markets were poised to repeat a strong 2019. COVID-19 Sell off: Mid Feb to April – By...

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Post-Election Outlook

Post-Election Outlook Results Barring some unforeseen event, it appears that Joe Biden will become the 46th President of the United States. The Senate is currently 50-48 with Republicans in the lead. There are two races still to be determined in Georgia with a special runoff scheduled for January 5th.  Republicans are currently favored to win those seats.  Were the Democrats to win those seats, Vice President Harris would be the deciding vote along party lines. The House of Representatives is staying Democratic, though with a slimmer majority. Republicans as of this writing have been able to...

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Global Asset Allocation Views – Q4

Global Asset Allocation Views Q4 2020 3rd Quarter Recap S. stocks have made up significant ground since the March lows, even hitting all-time highs. Vaccine outlook and better therapeutics had been a key driver during the quarter. Markets appear to have turned a corner and entered a new bull market. Similar to 2009, we could expect increased volatility with a few 5-10% pullbacks.  The downside view is policy mishaps push us back into a recession. Stocks continue to look attractive compared to bonds. The earnings yield on stocks is well above what one could expect to earn with the 10-year...

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Trust is key!

Trust is key! Trust is a foundational pillar of any relationship. Many choose to hire, partner with, and collaborate only with individuals that they know, like, and trust. Each profession has characteristics that advance the depth of a relationship between a professional service and a client/prospect. If a business wants to stand tall above a crowded room of competition, then a business needs to have a unique purpose, culture, structure, and value proposition. What does that unique nature look like? For HFS, it starts with having a purpose. A purpose is your overarching set of goals, morals,...

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*Student Loan Debt Reaches 1.6 Trillion Now What?

*Student Loan Debt Reaches 1.6 Trillion Now What? You just graduated in the middle of a pandemic, you had to have a virtual graduation ceremony, unemployment rates are double digits and now it’s time to pay back your student loans.  Just like paying for college, paying back your debt is loaded with options. Student Loan Forgiveness is where I would look first. If you work as a teacher, nurse, doctor, government employee, a non-profit, medical technician, or served in the military to name a few, you may qualify for some or all of your student loans to be forgiven. Next if your loans are...

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