The H Group Blog

Investment and Financial Planning news from some of the best in the business.

Weekly Review - June 6, 2016

Guest Post - Thursday, June 09, 2016


Economic data for the short week was mixed, with slightly stronger manufacturing data relative to previous months, while non-manufacturing/services weakened. Housing prices continued in an upward trajectory. However, the big government employment report on Friday was a disappointment, and could be enough to keep the Fed on hold for another month at least.

U.S. and developed foreign stocks were little changed on the week, with the mixed bag of economic data. Bond prices moved higher with a drop in interest rates and Fed action becoming less likely in June. Energy prices were little changed on the week, although other commodities gained.

 Read Entire Article Here

Should You Change Your Investment Strategy for the Elections?

Ron Kelemen - Thursday, June 09, 2016

This wouldn’t be a presidential election year if we weren’t frequently asked, “Should I invest now? Wait until after November? Retreat to cash until 2017?”  In addition, it seems that everyone wants to know how the election results will affect the stock market.  This year is no different, except there seems to be more partisanship and anxiety due to current political developments.  Partisans on opposite ends of the political spectrum are predicting doom and gloom if their presidential candidate and political party aren’t elected.  Even those in the middle are wondering the same and potential changes to and within the Republican party add a new twist to historic data. Read Entire Article Here

Teaching Future Financial Planners

Ron Kelemen - Thursday, June 02, 2016

Fred King, CFP® from our Portland office and Larry Hanslits, CFP® from our Salem office are wrapping up their spring quarter stints as adjunct professors at Oregon State University.  Both were teaching graduate level courses that will partially enable the students to sit for the CFP® exam.  Fred taught General Principles of Financial Planning and Larry taught the Taxation module.  Both Fred and Larry agree that teaching has forced them to sharpen their skills and be at the top of their games.  In Larry’s words, “These students are bright and engaging, and with them in the wings, the future of financial planning profession looks bright.” Read Entire Article Here

Weekly Review - May 31, 2016

Guest Post - Tuesday, May 31, 2016


  • Economic data for the week was dominated by strong U.S. housing numbers, while durable goods and sentiment lagged. Comments from FOMC members alluded to a stronger chance of an interest rate hike in coming months.
  • Equity markets around the world gained on the week, with continued strength in oil prices and an improvement in economic and geopolitical sentiment somewhat. With interest rates flattish, bond prices didn't experience much movement during the week.
 Read Entire Article Here

Question of the Week - May 31, 2016

Guest Post - Tuesday, May 31, 2016

What's the probability of the Fed taking action this summer?

It depends on the week. Without being flippant, economic data and comments from FOMC members themselves have varied dramatically, making such a forecast challenging. This is a question that has continued to baffle economists globally, who like to think they have a good handle on these things. In fact, some have gone to the trouble of altering their evaluation models to account for the probabilistic uncertainty that can't be measured well through other means.

 Read Entire Article Here

Disaster Planning

Ron Kelemen - Thursday, May 26, 2016

We’d like to give you a heads up that our phones and email will temporarily be off-line Friday, May 27 from 2:00-5:00 PDT, when our IT team will be conducting a full test of our backup system.  This process will take down phones, email, and internet briefly during that time.  If you can’t get through, please try later.  Better yet, try to contact us Friday morning.   Read Entire Article Here

How Confident Are You About Retirement?

Ron Kelemen - Tuesday, May 24, 2016

The Employee Benefit Research Institute (EBRI) recently released its 26th annual Retirement Confidence Survey.1  The good news is that workers in 2016 are more confident about retirement than they were last year and especially from the lows of 2008-2013.  A total of 64% of those workers surveyed report that they are either very confident or somewhat confident that they will be able to live comfortably in retirement.  This is up from 58% in 2015.   Read Entire Article Here

Weekly Review - May 23, 2016

Guest Post - Monday, May 23, 2016


  • Economic data on the manufacturing side was lackluster, with indexes contracting again. Inflation was again generally contained, and housing came in a bit better than expected, while the FOMC minutes from April surprised somewhat—being more biased towards tightening than some observers first thought.
  • Equity markets in the U.S. and developed foreign markets moved slightly higher on the week generally as investors absorbed the more hawkish set of Fed minutes, while emerging markets lost ground. Bonds declined as interest rates ticked up along the yield curve. Commodities gained with a continued recovery in oil prices.
 Read Entire Article Here

Asking the Right Retirement Question

Ron Kelemen - Wednesday, May 18, 2016

Many people approaching retirement want to know how much of a nest egg they will need to support their retirement goals.  "What's my number?"  is the typical question.  This is a good question and one we routinely answer for our clients.  However, once clients retire, some of them are reluctant to drawn down the sum of money they have accumulated for the purpose of providing retirement cash flow.  Others go the other direction and spend too much because they feel rich with a huge amount of money burning a hole in their pockets.   Read Entire Article Here

Weekly Review - May 16, 2016

Guest Post - Monday, May 16, 2016


  • In a slow week for economic data, retail sales gained more than expected, while consumer sentiment also came in showing strength. Jobless claims were the sole weak spot, but this may have been the result of one-off seasonal adjustments.
  • Stock markets fell across the globe along with poor retail earnings, while bonds gained with interest rates ticking downward. Due to a variety of cross-currents, crude oil prices rose again, into the upper $40's/barrel.
 Read Entire Article Here

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