Charleston Financial Blog

Take Advantage of Gaps in Income

Posted by Myles B. Brandt, M.S., CFP® on 23 March 2018

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For a variety of reasons, our incomes aren’t always stable throughout the course of our lives. For younger folks, it may be the pursuit of higher education or a job loss. For older individuals, it may be an early retirement. Either way, having gaps in income can create planning opportunities that we should consider.

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Calm Before the Storm?

Posted by Myles B. Brandt, M.S., CFP® on 14 March 2017

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One beautiful morning last October I was driving into work and my gas light went on. As I passed a gas station I figured I would just get to work early and grab gas later.  Well around 3 PM that day, then Governor Nikki Haley held a press conference saying Hurricane Matthew was headed our way and everyone should fill up their tank. As I drove home a few hours later I was not amused. The lines at the pump stretched seemingly forever and clogged up traffic in every direction. I had to run by the vet to pick up a prescription and pick up little Henry from day care. I most certainly didn’t have the time to sit in line for an hour to get gas, much less the traffic already on the roads. It was as if our lovely seaside paradise went bonkers for gasoline…and I had none.

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Dispatch from the Middle of Nowhere

Posted by Myles B. Brandt, M.S., CFP® on 23 August 2016

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I recently found myself right where I like to be…standing in the middle of a river waving a stick. More specifically, my brother and I were fly-fishing the N. Tongue River in the Bighorn National Forest, just a few Wyoming miles east of Yellowstone National Park. It was a boys’ trip and despite a series of character building exercises including cancelled flights and missed connections, we made it.

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My Biggest Financial Lesson

Posted by Myles B. Brandt, M.S., CFP® on 26 March 2015

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The New York Times has a great Your Money Special Edition series called "My Biggest Financial Lesson" in which contributors share stories that mark a turningpoint in their thoughts about money.

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Nothing Average about Index Returns

Posted by Myles B. Brandt, M.S., CFP® on 18 March 2015

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There is this notion among investment professionals and investors that indexes produce the average return...and who wants to be average? The only problem is, there is nothing average about it. According to the newest SPIVA scorecard, the S&P 500 yet again beat the vast majority of US large-cap fund managers in 2014, 86.44% of them to be exact.

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The Panic About the Dollar Revisited

Posted by Myles B. Brandt, M.S., CFP® on 12 March 2015

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This has been an interesting few months. Quantitative easing officially ended. Oil prices dropped substantially and pose interesting geo-political implications yet to be seen. And through all of this, markets continue doing their thing: absorbing new information and attempting to create a fair price for an asset.

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The Curve Ball

Posted by Myles B. Brandt, M.S., CFP® on 21 October 2014

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Market expectations about interest rates change because of news. This makes it very difficult to build a coherent investment strategy around a forecast.

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Reaffirming Truths of Bond Investing

Posted by Myles B. Brandt, CFP® on 12 August 2013

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Vanguard has a great synopsis of bond investing principles here.

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Interview With David Plecha - Sensibleinvesting.tv

Posted by Myles B. Brandt, CFP® on 24 June 2013

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Sensibleinvesting.tv talks bonds with David Plecha from Dimensional Fund Advisors here. A few key take-aways:

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Year-End 2012 SPIVA Scorecard in

Posted by Myles B. Brandt, CFP® on 26 March 2013

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Passive investors have some new ammo with the YEAR-END 2012 SPIVA Scorecard. This keeps track of the percentage of U.S. Mutual Funds that are outperformed by their respective benchmarks. Out of all the U.S. Equity funds, 66.08% were beaten by the index.

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