Recent Commentary

TheLiveBigWay® Digest – Blending, Not Balancing

TheLiveBigWay® Digeston May 21st, 2015No Comments
Budgeting – Blending, Not Balancing

Nothing makes someone’s eyes glaze over faster than talking about “budgeting”. What about the “b-word” makes us squirm? We all understand the math involved, and surely the difficulty isn’t an inability to identify the components of spending. We often feel anxious because we think of fixed expenses and discretionary expenses in terms of static “wants” vs. “needs” within our cash flow statements, instead of a dynamic process of prioritization. Read on to learn more about the art of blending practicality and emotions around expenses.

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An Investment Approach That’s Stable, Not Static

From an outsider perspective, it can be easy to label Yeske Buie’s investment philosophy as “passive.” While that descriptor is partly true as we do not turn our approach upside-down based on the latest industry trends or fads, our approach to monitoring the components of our portfolios is anything but. We are constantly evaluating the shifting landscape of the global economy and looking for ways to capitalize on structural shifts in the market. Today, we present a timeline of the shifts we’ve made to our portfolios over the last few years to position our Clients’ investments to best harness the market’s movements for growth.

2015-05-09 Graphical Timeline for DY-EB - UPDATED

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How Boomers Can Avoid Going Bust in Retirement

Lou Carlozo, Investment Contributor for U.S. News & World Report, enlisted the expertise of several investment professionals to offer advice to those heading into retirement who may not have the financial security to do so. One of the “nuggets of wisdom” that Louis Carlozo offers comes from Dave. See what Dave’s advice is to those who may be concerned about financial security in retirement see how Yeske Buie helps Clients take control.

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Dimensional Stories: The 200th Draft

As Dimensional Fund Advisors embarks on it’s 25th year of working with financial advisors, they shared with us a series of Dimensional Stories, two minute videos on the themes and insights that influence Dimensional’s way of investing. Today, we share the second video of the five part series, Dimensional Stories: The 200th Draft. We found this video to be particularly resonant because the collaborative approach described by Eugene Fama mimics, in many ways, the close working relationship of the Yeske Buie team. Learn more about these similarities and watch the short video.

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Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDBeginning in June, we will be introducing our “Where in the World is the Live Big Glass?” campaign to show off our Live Big glass from anywhere in the world. We are very excited to have received several requests and pictures of glasses for participation in the campaign! Today, we share a few examples of the Yeske Buie team enjoying a drink from their Live Big glass. Please do not hesitate to email Lauren@YeBu.com to request a glass or to share your pictures with the Live Big glass. We hope you enjoy these pictures and have a wonderful holiday weekend!

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TheLiveBigWay® Digest – Managing Premature Retirement

TheLiveBigWay® Digeston May 7th, 2015No Comments
What If You Can’t Work As Long As You Planned?
YeBu in the Media

Last week, Dave was quoted in a USA Today article by Robert Powell that reports that one in two Americans who planned on working past age 65 found themselves retiring unexpectedly for various reasons. In support of Powell’s suggestion to have a backup plan in case the plan to continue working goes awry, Dave gave his thoughts about setting aside adequate cash reserves, how much insurance you should buy, and the importance of keeping your skills current. Read Dave’s thoughts and the entire USA Today article here and keep up to date with all of Yeske Buie’s media announcements by following our YeBu in the Media page or any of our Social Media sites.

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RK CFP Celebration 2Russell Kroeger is Yeske Buie’s Newest CFP®!

Yeske Buie is proud to announce that Russell Kroeger, Financial Planning Resident in our San Francisco office, officially became a CERTIFIED FINANCIAL PLANNERTM professional on Tuesday, May 5th. When Russell joined the Yeske Buie team in January of this year, we asked him “How did you become interested in Financial Planning?”. He excitedly responded, “I’ve wanted to do this since I can remember!” Read on to see how the Yeske Buie team celebrated Russell’s accomplishment and the three words he would use to describe how it feels to have earned the certification.

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Stand By Me

In honor of the passing of legendary singer, Ben E. King, we were inspired to revisit a video we posted a few years ago based on his classic song, Stand By Me. We encourage you to take five minutes to watch this global rendition of the song from the documentary “Playing For Change: Peace Through Music”.

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Where in the World is the Live Big® Glass?

This summer, we will be starting a “Where in the World is the Live Big Glass?” campaign to show off our Live Big glass from anywhere in the world. After introducing the campaign in our last Digest, we are very excited to have received several requests and pictures of glasses for participation in the campaign! If you do not yet have a Live Big glass, you are not too late to email  Lauren@YeBu.com to request a glass to be shipped to your home. If you already have a Live Big glass, feel free to email a picture of you enjoying a drink from the glass to Lauren@YeBu.com to join the campaign. Crowd favorites will receive a gift so stay tuned for the start of the campaign in a few weeks!

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TheLiveBigWay® Digest – Creative Strategies – Grounded Wisdom®

TheLiveBigWay® Digeston April 23rd, 2015No Comments
Idea concept words in tag cloud

Dimensional Stories: Empirical Work

DFA founder David Booth likes to say, “it’s about ideas,” and we certainly don’t know of another fund company that has been more about ideas than Dimensional Fund Advisors. As Dimensional embarks on it’s 25th year of working with financial advisors ,they shared with us a series of Dimensional Stories, two minute videos on the themes and insights that influence Dimensional’s way of investing. We will be sharing these Dimensional Stories with you over the next few months as we feel they give insight into the thinking of an important strategic partner, one which adds enormously to our clients’ investment success. We hope you enjoy the first video featuring Nobel Laureate Eugene Fama titled “Empirical Work”.

YeBu in the Media

This past week, both Elissa and Dave were featured in various media outlets. Last Wednesday, Elissa made a live appearance on WRNW Women’s Radio Network and shared Yeske Buie’s Live Big philosophy with their host and their listeners – you can hear a replay of Elissa’s show here. Additionally, the Financial Planning Association announced that Dave will become Practitioner Editor of the award-winning Journal of Financial Planning effective June 1st. Dave was also quoted in a CNBC report regarding succession planning for small business owners following the results of a joint survey by the Financial Planning Association and CNBC. You can keep up to date with all of Yeske Buie’s media announcements by following our YeBu in the Media page or any of our Social Media sites.

YeBu in Media
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Where in the World is the Live Big® Glass?

If you have recently had a meeting in either of our offices or attended one of our Open House events, you’ve seen that we enjoy using and giving away our customized Live Big glasses. This summer, we will be starting a “Where in the World is the Live Big Glass?” campaign to show off the Live Big glass from anywhere in the world! If you have a Live Big glass, feel free to email a picture of you enjoying a drink from your glass to Lauren@YeBu.com to join the campaign. If you do not have a glass, you may also email Lauren@YeBu.com and we will happily send you a glass so you can participate. Crowd favorites will receive a gift so stay tuned for the start of the campaign!

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Tax Planning: Request for 2014 Tax Returns

1040Now that tax day has come and gone (unless you are on extension), we will be requesting a copy of your 2014 Federal and State returns to help us better serve our Clients throughout the year. Exactly how the information is used varies from Client to Client, but we are best able to perform tax related analysis with your most current tax return. Lauren Vitt will be sending email requests beginning Monday. You may send the document to us using any of the methods described here.

 

 

TheLiveBigWay® Digest – Authentic Conversations

TheLiveBigWay® Digeston April 9th, 2015No Comments
Outdoor Mother Daughter Chat

Expert Spotlight: Dr. Jim McCabe on Authentic Conversations

Eldercare expert, Dr. Jim McCabe, recently took some time to reflect on many of the families he has worked with over the years and the challenges they have faced together. One of those challenges, is the ability of adult children to have productive and satisfying conversations with their parents about what they need as they age. This is typically the case for several reasons even in the healthiest family systems, Jim says. In this post, Jim shares his expertise on this topic and identifies the critical steps that need to be addressed to have truly authentic conversations.

Portfolio Update:Toward a Better Bond Balance

As you  may recall, at the end of 2013 we decided to reel in the average maturity of the bonds in our portfolios because we were concerned about the prospect of rising interest rates (Investment Update: Going Short (Really Short!)). A little over a year later, the outlook for rising rates is pretty modest. As a result of several triggers, we were inclined to go back to the drawing board to analyze the upside yield potential of slightly extended maturities against the downside price risk of rising rates. Read on to learn more about the triggers that inspired us to re-evaluate the bond balance and the decision we concluded from the analysis.

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22 Smiling Staff at Western Town Cropped Again

Yeske Buie Spring Retreat

Last week, the Yeske Buie team from both offices gathered at Marriott Ranch for their semi-annual company retreat. While the retreat serves as a great opportunity to step away from the day to day office routine, the team spends each day working on various business related activities. The themes at this retreat were strengthening our core goals, vision, and values and raising our ability to “be” the Client. When the team wasn’t hard at work, we had the opportunity to enjoy the outdoors, take a group horse back ride, and share stories and play games around the fire. We hope you enjoy the following pictures from our retreat to Marriott Ranch!

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Tax Deadlines

1040Tax day is next week on Wednesday, April 15th, which marks the deadline for making a contribution to a Traditional or Rollover IRA, Roth IRA, Health Savings Account (HSA), SEP-IRA or Solo 401(k). If you file an extension then the latter two can receive contributions until October 15th. We will be sending emails to request 2014 Federal and State Returns from Clients shortly after April 15th to help us better serve our Clients throughout the year. If you already have a copy of your tax return, you may send the document to us using any of the methods described here.

 

 

TheLiveBigWay Digest – Paying It Forward

TheLiveBigWay® Digeston March 26th, 2015No Comments
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Yeske Buie’s Financial Literacy Program

Financial Literacy is a widely under-taught subject matter in the education of today’s youth. Some students can go through their entire education, including college, without some of the most basic financial knowledge required for them to succeed. Yeske Buie has put together a financial literacy program to help you and the ones you hold dear feel that your children and grandchildren are set up for financial success. Read more about Yeske Buie’s financial literacy program and see a video of a group of college students who are put to the test about their “preparedness” for the real world and the shocking results.

Give Big

One of Yeske Buie’s defined core values is our desire to willingly and selflessly share our time, our intellect, and our resources. In the past week, various Yeske Buie team members have volunteered with different foundations as part of Yeske Buie’s Give Big initiative. Over the weekend, members of our West Coast team volunteered at Habitat for Humanity Greater San Francisco’s Park Beautification event, while members of our East Coast team volunteered at one of Lost Dog and Cat Rescue Foundation’s Pet Adoption events. Read quotes from our team members about their experiences and see pictures of our volunteers at the events.

RK VH and JH at the park
2015-03-25 year to date fund returns

Year-to-Date Market Update

What a different a day makes, or, at least, a calendar quarter. As everyone knows by now, last year was a good year for U.S. stocks and a not so good year for foreign stocks (at least, for those of us who are dollar investors). The first quarter of this year, however, has seen a distinct reversal in that situation as you can see from the chart to the left. The returns are year-to-date through March 25th, with US funds in light green and international funds in dark green.

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Yeske Buie Spring 2015 Open House: RSVP Today!

Join the Yeske Buie Team from both offices for our Open House in Vienna, VA on Thursday, April 2nd from 4:30-6:30pm. This year’s event will feature several of Elissa and Dave’s favorite wines, a professional tarot card ready, Yeske Buie souvenir wine glasses, and delicious appetizers and sweet treats from local company, Purple Onion Catering. Read more about this year’s featured wines and foods. Please RSVP for the event by emailing Cristin Etheredge at Cristin@YeBu.com. We look forward to seeing you there!

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Tax Deadlines

1040Tax day is just a few weeks away on Wednesday, April 15th, which marks the deadline for making a contribution to a Traditional or Rollover IRA, Roth IRA, Health Savings Account (HSA), SEP-IRA or Solo 401(k). If you file an extension then the latter two can receive contributions until October 15th. We will be sending emails to request 2014 Federal and State Returns from Clients shortly after April 15th to help us better serve our Clients throughout the year. If you already have a copy of your tax return, you may send the document to us using any of the methods described here.

 

 

TheLiveBigWay Digest – Fiduciary Focus

TheLiveBigWay® Digeston March 12th, 2015No Comments
Capitol Dome

Fiduciary Focus: Putting Clients First

President Obama has instructed the Department of Labor to develop a new set o rules requiring those who advise plan participants to act as fiduciaries. Anyone acting as a fiduciary is required to put Clients’ interest first. The brokerage world normally operates under a different standard known as “suitability,” which merely requires advice to be broadly suitable to Clients based on their overall circumstances, but not necessarily be in their best interest. Read on to learn how and why Elissa and Dave have been promoting the fiduciary standard as this issue has been near and dear to Yeske Buie for many years.

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Finding the Right Benchmark for a Globally Diversified Portfolio

Clients often ask us what benchmark they should be comparing against their portfolio’s performance to see where they stand. As you’ve probably read in this space before, Yeske Buie employs a diversification strategy that is multi-layered. Thus, we compare the performance of the bond mutual funds and the performance of the stock portion of our Clients’ portfolios with different indices. Learn more about the specific indices we use, why we feel they provide the most accurate benchmark, and how our portfolios’ performance is different from that of the indices.

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 Fall Back On Me Yeske Buie Spring 2015 Open House: RSVP Today!

Join the Yeske Buie Team from both offices for our Open House in Vienna, VA on Thursday, April 2nd from 4:30-6:30pm. This year’s event will feature several of Elissa and Dave’s favorite wines, a professional tarot card ready, Yeske Buie souvenir wine glasses, and delicious appetizers and sweet treats from local company, Purple Onion Catering. Read more about this year’s featured wines and foods. Please RSVP for the event by emailing Cristin Etheredge at Cristin@YeBu.com. We look forward to seeing you there!

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Tax Deadlines

1040Tax day is just a few weeks away on Wednesday, April 15th, which marks the deadline for making a contribution to a Traditional or Rollover IRA, Roth IRA, Health Savings Account (HSA), SEP-IRA or Solo 401(k). If you file an extension then the latter two can receive contributions until October 15th. We will be sending emails to request 2014 Federal and State Returns from Clients shortly after April 15th to help us better serve our Clients throughout the year. If you already have a copy of your tax return, you may send the document to us using any of the methods described here.

 

 

TheLiveBigWay Digest – Phishing Season is Here

TheLiveBigWay® Digeston February 26th, 2015No Comments
Online Fraud Concept

Phishing Season is Here

As if coming to terms with our annual obligations to Uncle Sam isn’t stressful, tax time is also prime “phishing” season for scammers and identity thieves. As defined by Wikipedia, phishing is an attempt to fool someone into revealing sensitive personal or corporate information by “masquerading as a trustworthy entity”. An article in the New York Times last week reported that phone fraud is one of the fraudsters most favored tactic. Learn more about these phone scam tactics and listen to a fraudulent voicemail that Dave himself recently received on his home phone.

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Lauren Grove Earns the CFP® Certification

After years of hard work and dedication, we are very proud to announce that Lauren Grove, Assistant Financial Planner in our Virginia office, became a CERTIFIED FINANCIAL PLANNERTM professional on Friday, February 6th. To obtain certification, a planner must have satisfied the CFP Board’s “Four Es” – Education, Examination, Experience and Ethics. As you may recall, we sat down with Lauren days before she took her exam to learn more about her diligent study schedule and announced in late August that she had passed her exam. After learning that she had received the certification, we asked Lauren, “What three words would you use to describe how it feels to have earned the CFP® certification?” Read on for the answer and learn more about earning the prestigious certification.

Lauren Grove, Yeske Buie
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Victoria Headshot Meet the Team: Victoria Harrell

Victoria Harrell, Client Service Administrator in our Vienna, VA office, is Yeske Buie’s newest team member. With over nineteen years in the financial services industry, Victoria adds a great level of expertise to the team. Additionally, Victoria has a deep understanding of how the markets work and trading rules as she has earned her undergraduate and master’s degrees in Business Administration, has completed all of the course work for the CFP® certification, and holds multiple securities licenses. In this edition of Meet the Team, we learn more about what Victoria hopes to accomplish at Yeske Buie and what she enjoys doing in her free time.

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6 - GroupYeske Buie Spring 2015 Open House: Save the Date!

Join the Yeske Buie Team from both offices for our Open House in our Vienna, VA office on Thursday, April 2nd from 4:30pm to 6:30pm. The event will be catered by a local company, Purple Onion Catering, and will include staff from both the Virginia and California offices. Stay tuned to future Digests for more details!

 

 

TheLiveBigWay Digest – Love and Money

TheLiveBigWay® Digeston February 12th, 2015No Comments
Vertical shot of a beautiful sky with sun rays

How to Build an All-Weather Portfolio

When is comes to investing your hard earned money for the long-run, the world can sometimes seem like a scary place. It’s not just the occasional category five storm that blows our way, but also all the squalls that can sweep through the markets that likewise threaten to feel like they might capsize our portfolios. Te one thing we know with certainty is that the timing, magnitude, or impact of world events can never be predicted with the kind of precision required if we’re to nimbly trade in or out of the market to avoid danger or capture gains. At the end of the day, it’s better to be resilient than nimble. Accordingly, we would like to share this 13 minute video as a brief description of how we can build a resilient, all-weather portfolio that can carry you through whatever storms may come our way.

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Talking Sweet With Your Sweetheart

With Valentine’s Day weekend upon us, we share a few ideas for how you can make “money talk” a constructive part of your relationship. When planning a date night or weekend getaway, few people think to make a discussion of finances part of the event. However, with money frequently cited as one of the top relationship stressors, allocating time to have financial conversations with your sweetheart is a worthwhile endeavor. Here, we share five ways to have financial conversations with your sweetheart. And, as we recognize that approaching these conversations can be difficult, we offer a piece from Dr. Gary Chapman about “The 5 Love Languages”. Gary identifies five categories to highlight how people understand and give love, and while we need all the love languages, there is usually one that really speaks to each of us. Ultimately, we hope you use this Valentine’s Day as a reminder that love and money can go well together!

The Love of Money
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yeske-buie-02 Ask Elissa and Dave Feature

In perfect time for the holiday weekend, our latest questioner asks: “How do you manage being business partners and life partners? Do you ever get tired of each other?” . Read Elissa and Dave’s answer to the question (be sure to scroll down to the bottom for the answer to this question) and stay tuned to future Digest posts for more. And, if you have a question for Elissa and Dave, feel free to share your curiosity with us and receive an answer to the questions you’ve always wanted to ask!

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Tax Label on File How You Will Receive Your 1099

While Yeske Buie posts quarterly tax reports to your Client Private Page® for taxable accounts, these reports are for planning purposes only. To complete your 2014 tax return, please refer to your Schwab 1099 for dividends, interest, and capital gains in your taxable account(s), as well as any distributions from your IRA(s). As required by the IRS, Schwab will send 1099s in the mail and post them to your Schwab account between the end of January and mid-February. If you use the Schwab Alliance website, here are instructions for accessing your 1099 electronically. If you have lost your paper copy or are having difficulties accessing the forms online, please do not hesitate to contact us and we will be happy to assist you.

 

 

TheLiveBigWay Digest – Financial Planning Playbook

TheLiveBigWay® Digeston January 29th, 2015No Comments
Game Day Plan

The Yeske Buie Playbook

Super Bowl XLIX will see the New England Patriots square off against the Seattle Seahawks in Glendale, Arizona this Sunday, February 1st. Just as each team will arrive at University of Phoenix Stadium armed with a playbook that blends hours of research with the ingenuity of the league’s top strategists, Yeske Buie has its own financial planning playbook, designed to tilt the odds in our Clients’ favor. We thought we’d take this opportunity to share the key elements of Yeske Buie’s Creative Strategies and Grounded Wisdom® playbook.

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Yeske Buie Financial Planning Resident Program

Yeske Buie has recently implemented a Financial Planning Resident Program. The purpose of the program is the leverage our Financial Planning team and to help contribute to the pipeline of new planners entering the financial planning profession prepared to work with financial planning clients. Our current Financial Planning Residents are Sabina Smailhodzic and Russell Kroeger, both working in our San Francisco office. Learn more about the goals of the program, Sabina’s insights on being our first Financial Planning Resident, and Yeske Buie’s plans to continue growing the program for the betterment of the profession and our Clients.

For Resident Financial Planner
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On_field_of_skins_eagles_game_at_fedEx_field_FLYEAGLES Meet the Team: Russell Kroeger

Russell Kroeger, a spring 2013 graduate of Virginia Tech’s CFP® Certification Education Track, traveled 2,750 miles across the United States to join our Financial Planning Resident Program. Since graduating, Russell has been focusing on building his foundation knowledge in an effort to add value to Clients and the financial planning profession. Russell is looking forward to continuing his involvement with the Financial Planning Association (FPA) and is excited to build relationship with Clients and friends on the west coast. To learn more about Russell, we asked him about his passion for Financial Planning and what he hopes to accomplish at Yeske Buie. The answers to these questions and more are shared in this edition of Meet the Team: Russell Kroeger.

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Tax Label on File How You Will Receive Your 1099

While Yeske Buie posts quarterly tax reports to your Client Private Page® for taxable accounts, these reports are for planning purposes only. To complete your 2014 tax return, please refer to your Schwab 1099 for dividends, interest, and capital gains in your taxable account(s), as well as any distributions from your IRA(s). As required by the IRS, Schwab will send 1099s in the mail and post them to your Schwab account between the end of January and mid-February. If you use the Schwab Alliance website, here are instructions for accessing your 1099 electronically. If you have lost your paper copy or are having difficulties accessing the forms online, please do not hesitate to contact us and we will be happy to assist you.

 

 

TheLiveBigWay Digest – Calendar Calculations

TheLiveBigWay® Digeston January 15th, 2015No Comments
Retirement Planning

Required Minimum Distributions

Required Minimum Distributions (RMDs) are, as the name indicates, minimum annual distributions that must be withdrawn from an IRA, as required by the IRS, beginning with the tax year within which the account holder turns 70½. The IRS requires these annual distributions to help ensure that account holders don’t simply continue to accumulate money in retirement accounts, thereby deferring taxation, forever. Uncle Sam wants his cut (read: tax revenue) of the growth in your IRA! Read on to learn more about the ‘what and ‘why’ of RMDs and how Yeske Buie will assist you with the ‘when’ and ‘how’…

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Investing Lessons from Fantasy Football

If you didn’t play in a fantasy football league this past season (and the odds are if you did, you were probably in multiple leagues), then you almost certainly know someone who did. Yeske Buie has had a fantasy football league for the past few years. The league has become increasingly competitive over the last few seasons, especially with the addition of a trophy and a different kind of “prize” for the loser. This year’s winner was the team’s more ardent sports fan: Yusuf Abugideiri. In light of his victory, Yusuf put together his thoughts about investing lessons that can be learned by playing fantasy football.

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yeske-buie-02 Ask Elissa and Dave Feature

Our most recent Ask Elissa and Dave questions follows-up on an individual’s recent phone call with Elissa and discusses the end of the year and why it is a busy time for Yeske Buie. Read Elissa’s answer to the question (be sure to scroll down for the latest Q&A) and stay tuned to future Digest posts for more. And, if you have a question for Elissa and Dave, feel free to share your curiosity with us and receive an answer to the questions you’ve always wanted to ask!

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Tax Label on File How You Will Receive Your 1099

While Yeske Buie posts quarterly tax reports to your Client Private Page® for taxable accounts, these reports are for planning purposes only. To complete your 2014 tax return, please refer to your Schwab 1099 for dividends, interest, and capital gains in your taxable account(s), as well as any distributions from your IRA(s). As required by the IRS, Schwab will send 1099s in the mail and post them to your Schwab account between the end of January and mid-February. If you use the Schwab Alliance website, here are instructions for accessing your 1099 electronically. If you have lost your paper copy or are having difficulties accessing the forms online, please do not hesitate to contact us and we will be happy to assist you.

 

 


“Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness that most frightens us. We ask ourselves, Who am I to be brilliant, gorgeous, talented, fabulous? Actually, who are you not to be? Your playing small does not serve the world. There is nothing enlightened about shrinking so that others won't feel insecure around you. We are all meant to shine. And as we let our own light shine, we unconsciously give others permission to do the same. As we are liberated from our own fear, our presence automatically liberates others.” ~Marianne Williamson