Ryan Hughes

Entries by Ryan Hughes

The Importance of A Fiduciary Financial Advisor


Fiduciary Advisor Bull Oak
Is there a difference between a financial advisor, a financial consultant, and a wealth manager? What about a financial planner, a registered representative, and an investment advisor representative? Do these titles really help the average investor distinguish between proficiency and job function? The answer is, unfortunately, no. These titles do nothing more than to...

Rising Interest Rates and its Effects


2/25/2018 - After nearly a decade of speculation, interest rates have finally began to increase as inflation has started to pick up (about time). The impact of rising interest is far from certain, but I put together a simplified flowchart to help illustrate the effect (see below). For the past 40 years, the bond market...

Don’t Panic: The Market Decline


2/6/2018 - The previous couple of days have been volatile given the recent market decline. Within the past few days (Jan 26 -  Feb 5) the market fell nearly -8%. On Monday (Feb 5th) alone the S&P 500 fell -4.1%. If you watch CNBC, read Yahoo Finance, or consume any other financial media, the reasoning...

How Does the New Tax Law Affect Me?


Tax Reform
1/13/2018 - It means that your tax strategy is likely to change. I wrote about the the possible effects of the Tax Reform and Jobs Act of 2017 for California residents last month before the final bill was passed. The punchline? If you live in a high income-tax state, the lower brackets do not help...

Will You Pay Higher Taxes Under the GOP Plan?


Uncle Sam Wants Your Taxes!
12/8/17 - Contrary to popular belief, according to our analysis, for those that live in a high income tax state, the proposed tax bills will likely BENEFIT lower-income and middle-class individuals and families while driving higher tax rates for the upper-class. The primary reasons why? The child tax credit is increased in both the...

Should I Rollover My 401k?


11/16/2017 - Perhaps. For most, it makes sense to roll your funds out of a 401k (this includes a 403b, 401a, or whatever type the deferred employer plan may be). Though, there are a few exceptions that one must consider before pulling the trigger. This includes fees, any concentrated stock positions, and other company...

Don’t try to beat the index…


Men Arguing
10/16/2017 - Because it probably won't happen. Is it at least possible for you (or your fund) to beat the index? Of course it is, but it depends on which market you are playing in, your access to key information, your skill, and your luck. But in the end, the odds are simply stacked against...

Bitcoin: Bubble or Bona Fide?


9/2/2017 - Bitcoin, the world's largest and most popular cryptocurrency, has recently dominated the news cycle. Numerous articles comment on how much money you would've made if you invested only a year ago (739%). In fact, I first heard about Bitcoin in late 2013 when its price was around $130/BTC. $1,000 invested then would...

Why Is Inflation Stubbornly Low?


7/11/2017 - Global inflation has been stubbornly low for quite some time, creating a difficult situation for central bankers. Of course, central bank action is highly dependent upon inflation levels. And their actions have direct and immediate influence on global stock and bond prices. The problem? U.S. inflation measured by the core PCE has...