The Kelemen-Way Financial Perspective
The Kelemen-Way Financial Perspective is a quarterly newsletter that traces its roots to January 1992, when Ron began writing Kelemen's Financial Perspectives every month. The publication eventually changed to a quarterly format. We changed its name in January 2003 to better reflect Ron and Mary's team approach and similar opinions. Unlike other newsletters, we write each and every article. Although portions of this newsletter are widely quoted by others, please remember that these articles are copyrighted and you need our permission before using part or all of them.
Other articles listed below may have been written specifically for certain publications, such as for ChartNotes, the newsletter of the Marion and Polk Counties Medical Society in Salem, OR. And quotes in the national press and professional journals are often mentioned in the newsletter. Below is a list of some of the more popular and/or recent articles.
Read a reprint of the article that includes their selection criteria.
August 2008: Kelemen-Way Financial Perspective (PDF)
- Should You Change Your Investment Strategy For The Elections? Every election year people ask about how the election and its results will affect their portfolios. Here are the facts. The answers may surprise you.
- Dear College Student…College students often don’t understand the implications of debt. Here is an actual letter Ron wrote to a student who was letting the credit cards get out of hand. Please pass it on to young adults you know.
- Buy, Sell, or Hold? This is the essence of any investment decision. Given losses in real estate and in the stock market, what should you do?
- Team update. This is usually the first thing our clients read, and the section they remember the most. Here’s the latest on what’s going on in our professional and personal lives.
April 2008: Kelemen-Way Financial Perspective (PDF)
- Retire Now, Wait, or Fuhgeddaboudit? The mortgage market and turbulent financial markets have people wondering whether or not to retire. Here is our list of 10 considerations.
- Putting the Mortgage Crisis into Perspective—Back to the Future. How did we get into this mess? Is it really as bad as it sounds? Bottom line—lending standards are back to where they were in about 1991.
- Are You Going Broke Safely? Inflation is back in the news. Here is a handy formula to calculate the return you need to stay ahead of inflation and taxes.
- Protect Yourself From a Retirement Plan Lawsuit. The recent LaRue v. DeWolff US Supreme Court ruling now makes it more important than ever to act as a fiduciary when overseeing retirement plan money. Here’s how to minimize the risk.
- CFP Board Grants Alex Sheppard His CFP Marks. Here are the hoops, exam, topics, and experience requirements he needed to pull it off. Congratulations, Alex!
- Team update. Most readers start right here on page 4 to keep up with all the comings and goings of our team. We have a very interesting real estate anecdote that reinforces the article on page 2.
January 2008: Kelemen-Way Financial Perspective (PDF)
- The Results Are In! Here are the results of a client satisfaction survey we conducted in late 2007. Measured against other firms, we scored in the top quartile in all nine key performance areas, resulting in a perfect score of 36.
- Do Life Cycle Funds Miss their Target? Life cycle and target funds are becoming increasingly popular, but they have their limitations and are not right for certain situations. Before you invest in one, consider these points.
- 2008 Brings Tax Problems—And Opportunities. This will be a good-news, bad-news year. Here is a quick recap of recent tax issues that may affect you.
- New Retirement Planning Numbers for 2008. Whether you are accumulating for retirement, paying FICA taxes, or making Social Security decisions, here is some important information to consider—especially if you plan on starting Social Security early and keep working.
- Team update. Most readers start right here on page 4 to keep up with all the comings and goings of our team. This time we have an intriguing photo on page 2 with the quiz answers under Team Update.
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