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J. Cole Financial Advisers, Inc. is a comprehensive fee-onlyTM financial planning and investment adviser firm providing objective financial advice. Whether you need general financial planning on an hourly basis or complete portfolio investment management, we can offer you the help unique to your circumstances that gives you a sense of balance gained by having a trusted adviser.
To love what you do and feel that it matters - how could anything be more fun?
- Katharine Graham
We place an emphasis on client education and empowerment. Our clients tell us they appreciate our ability to explain the complexities of the financial world in a way that is meaningful and easy to understand. Our mission is to help you to overcome uncertainty, take control of your finances and move confidently toward your goals.
Managing your finances today, let alone planning for what tomorrow may bring, doesn't happen automatically —or easily. JCFA can work with you to define, develop, refine, and monitor progress towards your short term and lifetime goals. We find that an ordered financial life brings balance, a sense of well-being and confidence to our clients' professional and personal lives.
A Laundry List of Concerns Remain From the Advisers desk April, 2012
Outlook for the 2nd Quarter and on through 2012
Five years after cracks started appearing in the financial system, the laundry list of headwinds facing global financial markets does not seem to have shrunk, though we now understand the scope of the challenges and can begin to combat them.
Europe is likely in recession. The finances of Portugal, Spain and Italy are still in dire shape. Still, sentiment is better than it was three months ago. Much of the credit goes to the European Central Bank's long-term refinancing operations—LTRO for short—which provided some $1.2 trillion in cheap loans to European banks. But the problems for Europe are not over. Europe is likely to be in recession during the first half of the year, and with budget strains in Spain and a presidential election in France, there is a risk that key countries may miss fiscal targets.
Though the U.S. economy is growing with housing prices potentially approaching a bottom, manufacturing picking up, and unemployment declining, there is still a lot of work to return to a position of health. Political gridlock and uncertainty ahead of the November election add to these challenges. Rising gas prices threaten to cut into consumers' already-stretched finances.
There is still a lot of cash on the sidelines that needs to be invested, but it is going to be very data-driven..........................
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10 Market rules to remember These are some investing rules that are tailor-made for tough times, allowing you to stick to a plan when you need it most.. Especially now.
1. Markets tend to return to the mean over time. 2. Excesses in one direction will lead to an opposite excess in the other. 3. There are no new eras — excesses are never permanent. 4. Exponential rapidly rising or falling markets usually go further than you think, but they do not correct by going sideways. 5. The public buys the most at the top and the least at the bottom. 6. Fear and greed are stronger than long-term resolve. 7. Markets are strongest when they are broad and weakest when they narrow to a handful of blue-chip names. 8. Bear markets have three stages — sharp down, reflexive rebound and a drawn-out fundamental downtrend. 9. When all the experts and forecasts agree — something else is going to happen. 10. Bull markets are more fun than bear markets.
No kidding.
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