Recent Commentary

TheLiveBigWay* Digest – Goings on About Town

TheLiveBigWay Digeston November 21st, 2013No Comments
Investment Update - Going Short (Really Short!)

No, we haven’t decided to short the stock market — not by a long-shot! — but we have decided to shorten the average maturity of our bond holdings. We’re doing this by swapping all of the DFA 5-Year Global Bond portfolio (DFGBX) into the DFA One-Year Fixed Income portfolio (DFIHX). The reason for this change was our desire to further reduce the “interest rate risk” in our portfolios.

Read more about why we made this change.

WI - Never Unemployed Artwork WEB

“Never Unemployed”
Ivan Lopez, a San Francisco artist based in the Mission District

Wine, Whiskey, and Wicked ROI

On Wednesday, November 13, Women’s Initiative held a fundraiser in support of their mission to help inspire and equip high-potential, low-income women entrepreneurs to overcome economic and social barriers and achieve self-sufficiency. Our own Jennifer Micieli attended the event at Union Bank in San Francisco where Yeske Buie was a sponsor.

The event offered wine and whiskey tastings, along with a silent auction in addition to the main program. The artwork on the left was one of the many items to be auctioned. The image is meant to evoke the spirit of never giving up, a message that Women’s Initiative is determined to instill in the women they support.
Women’s initiative is a non-profit that provides training, peer-support, a loan fund, and various asset-building opportunities to women entrepreneurs. The organization encourages business growth, job creation, and a deep sense of community for all those involved. And last but not least, Women’s Initiative provides a wicked ROI: for every $1 invested in the program, $30 is returned to the local economy.Learn more about the Women’s Initiative.
The Adventures Of #SFBatkid

On Friday, November 15, thousands in San Francisco and millions around the country through news stations and social media, got to watch a real-life superhero, 5-year-old Miles who is in remission after being diagnosed with leukemia at 20-months-old, as his dream of partnering with his favorite superhero came true.

Dubbed ‘Batkid’, Miles was treated by the Make-A-Wish Foundation and the City of San Francisco to an all-day cape crusading adventure. The members of our San Francisco office got to see Batkid up close when he was driven by the office on Montgomery Street having just apprehended The Riddler.

Watch a brief video of Miles’ dream coming true…
WEDDJ Group Photo WEB Yeske Buie Retreat and Open House in San Francisco 

The Yeske Buie Team came together earlier this month for one of our semi-annual staff retreats, this one focused on mindfulness and servant leadership. We had a great time exploring the natural beauty of Anvil Ranch while learning the value of breath and mindfulness practices and engaging in several team building exercises, including the construction of two labyrinths. All of which ultimately prepared us for an intense and productive session setting Yeske Buie’s firm goals for 2014.
At the end of our retreat, we returned to San Francisco just in time to host our annual San Francisco Open House. Take a look at pictures we took throughout both events.

Also, this was the first year we hosted a tarot card reader and from the reviews it appears that we should consider doing that or something similar again! We thoroughly enjoyed having Jamie at the event and for those of you who weren’t able to see her or just want to go back for more, check out her website.
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TheLiveBigWay* Digest – Nobel Prize Validation

TheLiveBigWay Digeston November 8th, 2013No Comments
Nobel Prize W Yeske Buie Celebrates Eugene Fama’s Nobel Prize in Economics

On October 14, the Royal Swedish Academy of Sciences announced that it had awarded the Prize in Economic Sciences to Eugene Fama, along with Lars Peter Hansen and Robert J. Shiller “for their empirical analysis of asset prices.”

Fama has been deeply involved with Dimensional Fund Advisors (DFA), with whom we have a long-standing relationship and which contributes a significant number of funds to our client portfolios. Most of DFA’s portfolios are in one way or another based on or influenced by the research of Professor Fama.
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Healdsburg Wine Country Half Marathon

After months of training, Elissa and Dave accomplished their goal of walking 13.1 miles and completing the Healdsburg Half Marathon in Sonoma’s Wine Country on October 20 (Dave ditched the jeans this time around).

Elissa and Dave completed the course in 3:37:08. Together with their close family and friends, they celebrated the achievement by using their complimentary wine glasses to taste the wares of the Russian River Valley wineries represented at the finish line.

View the race map and photos from the event. 
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TheLiveBigWay* Digest – Elissa’s Lifetime Achievement Award

TheLiveBigWay Digeston October 24th, 2013No Comments
Elissa and Paul WEB Elissa Awarded Financial Planning Profession’s Highest Honor

The Financial Planning Association (FPA®) awarded the profession’s equivalent of a lifetime achievement award, the P. Kemp Fain Jr. award, to Elissa Buie, CFP®, CEO of Yeske Buie.“The award recognizes an individual who has made outstanding contributions to the financial planning profession in the areas of service to society, academia, government and professional activities, and upholds FPA’s Core Values: competence, integrity, relationships and stewardship,” according to the FPA announcement.

As a consequence of Elissa receiving this great honor, the entire firm was present at FPA’s annual conference. View our team photo and read the full press release.
Wine Email Small Yeske Buie Open House in San Francisco 

Elissa and Dave are going to feature five wines from some of their favorite wineries (Iron Horse, Merry Edwards, and De Loach) at our client event, the Yeske Buie Open House in the San Francisco office on Thursday, Nov. 7 from 4:30 – 6:30 p.m. PT. We will have stemless wine glasses imprinted with the Yeske Buie logo and Live Big® motto for attendees to take home after the event!
The Yeske Buie team from both offices will be in attendance as well as the Queen of Cups Tarot & Tea. Come and get your fortune told! Come early to view a renown art exhibit in the Mills Building lobby that features a variety of art pieces related to money. RSVP Now!
 YouToons Email Small The YouToons Get Ready for Obamacare

The Kaiser Family Foundation has created an animation series known as the “YouToons” to make learning about the healthcare law a much more easy-to-follow and enjoyable process. This video is well worth the seven minutes to get the basics on Obamacare.
We recently wrote a post on the new marketplaces, which is a facet of the Affordable Care Act, but the video will touch on a more comprehensive, albeit brief, summary of all of the different pieces of the Act. And now for the YouToons…
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TheLiveBigWay* Digest – Dancing with Disaster

TheLiveBigWay Digeston October 10th, 2013No Comments
Capitol at Night
Debt, Deficits, and Default: Dancing with Disaster

The government has now been “shut down” for 11 days and we face the further threat of a default if Congress fails to raise the U.S. debt limit within a week.  While the former is painful, ever more so the longer it lasts, the latter would be truly disastrous. We’ll detail why a default would be so calamitous but allow us to say first that we do not believe Congress will allow this to happen.
To paraphrase Winston Churchill’s observation about Americans in general: we can always count on Washington to do the right thing, but only after exhausting every other possibility!

QOC Tarot

Save the Date – San Francisco Open House

We may not have a crystal ball when it comes to your financial life, but come to our annual client event and learn more about your personal life! Have your fortune told by Queen of Cups Tarot & Tea at the Yeske Buie Open House in the San Francisco office on Thursday, Nov. 7 from 4:30 – 6:30 p.m. PT. The Yeske Buie team from both offices will be in attendance and Dave and Elissa will be featuring a few of their favorite wines. RSVP Now
MoneyTree ES
Financial Planning Days

The mission of this initiative is to bring free, ethical financial planning advice to the general public through one-on-one advising sessions and group workshops provided by highly qualified CERTIFIED FINANCIAL PLANNER™ professionals and experts from the Financial Planning Association who volunteer their time to offer “no-strings-attached” advice.
If you know someone who would benefit from a one-time pro bono financial planning engagement, share this great opportunity with them. Financial Planning Days are held in cities across the U.S. around fall of each year. The San Francisco event will be held at UC Hastings on Oct. 19. The D.C. event will be held at the Columbia Heights Educational Campus on Nov. 2.
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TheLiveBigWay* Digest – An Experiment in Gratitude

TheLiveBigWay Digeston September 26th, 2013No Comments




Gratitude - Web

The Science of Happiness – An Experiment in Gratitude

We’ve spent some time lately looking into the “science of happiness” as explained by Ed Diener and Robert Biswas-Diener (Happiness: Unlocking the Mysteries of Psychological Wealth) and Rick Hanson (Hardwiring Happiness: The New Brain Science of Contentment, Calm, and Confidence and Just One Thing: Developing a Buddha Brain One Simple Practice at a Time). One of the many findings of formal research into this human emotion is that the happiness that arises from experiences is more enduring than the happiness we experience as a result of acquiring material things. So that trip to Disneyland with your kids or grandkids will likely be a more enduring source of happiness than taking title to that new Tesla you’ve been lusting after.

More recent research suggests that consciously expressing gratitude can powerfully enhance your happiness. We think you’ll find this entertaining and sometimes moving video on the subject well worth seven minutes of your time. Enjoy!


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Meet the Team – Jennifer Micieli, CFP®

As a Financial Planner, Jennifer manages all aspects of the client relationship from scheduling meetings to completing financial plans to ongoing communication. As a Media Administrator, Jennifer manages Yeske Buie’s bi-weekly newsletter TheLiveBigWay® Digest, as well as the firm’s social media presence.

Jennifer recently returned from a first-time trip to the New England area. She got to experience the great beauty of Maine and the history of Massachusetts. Now, Jennifer is putting together a gym schedule to work off all the delicious seafood she ate on the trip!

Learn more about Jennifer
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TheLiveBigWay* Digest – New Health Insurance Marketplaces

TheLiveBigWay Digeston September 13th, 2013No Comments
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Top 8 Things You Need To Know About The New Health Insurance Marketplaces

With enrollment opening up October 1, we offer highlights of the new health insurance marketplaces created under the Patient Protection and Affordable Care Act, including the top eight things you need to know.
LV Bio Pic - Email Large Meet the Team – Lauren Vitt

As Project Administrator, Lauren oversees a variety of internal projects to support the team and keep things running smoothly.

Lauren is looking forward to several momentous events this Fall including moving to a new apartment, celebrating a cousin’s first birthday, and travelling to Orlando and San Francisco. While all of these events excite her, Lauren is most eager to use her creative mind to fully decorate her new place with lots of colorful paint, fabric, and art.

Learn more about Lauren
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TheLiveBigWay* Digest – Where The Smart Money Is Headed

TheLiveBigWay Digeston August 29th, 2013No Comments
Where The Smart Money Is Headed

In a recent Barron’s article titled, “Where the Smart Money is Headed,” reporter Beverly Goodman highlights mutual fund manager Dimensional Fund Advisors’ success in attracting a growing number of financial advisors who seek to invest their clients’ money in a more “evidence-based” fashion. The attraction is mutual as the folks at DFA refuse to make their funds available directly to individual investors. It isn’t that the company wouldn’t like to gather more assets; it’s that even more than that, they’d like to make sure that their philosophy is properly understood. This helps to ensure that the strategies they employ won’t be undermined by market timers, who can create unnecessary and costly turnover in a fund.

Learn more about DFA
CF Bio Pic - Email Large Meet the Team – Cameron Farbotko

As an Assistant Financial Planner, Cameron works with the rest of the Financial Planning Team to help clients achieve their Live Big® goals.

Cameron recently learned that he passed the CFP® exam and is excited to no longer study every night. He will officially become a CFP® practitioner in early 2014. The weekend after learning he had passed, Cameron was able to celebrate this achievement with friends and family while they were together for his cousin’s wedding in the beautiful state of New Hampshire.

A Pep Talk From Kid President To You

Kid President says it is time to wake up and “create something that will make the world awesome”. The following video from SoulPancake features Robby Novak, 9, who delivers an inspiring pep talk about how boring is easy and that the world needs more…from all of us.
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TheLiveBigWay* Digest – Advice to a College Freshman

TheLiveBigWay Digeston August 14th, 2013No Comments
Advice to an Incoming College Freshman

Congratulations on making it to college! All that hard work in high school has finally paid off and you now have the privilege of being launched on your college career and your first chance to live on your own and make decisions as an independent adult. We won’t spend time here cautioning you against the dangers of unprotected sex or binge drinking, we’re quite confident your parents have already covered that ground more than adequately. We would, however, like to caution you against a few other dangers that you’ll likely be facing for the first time, while also offering a few simple rules that can help you get the most from your college experience.
YA Bio Pic - Email Large Meet the Team - Yusuf Abugideiri, CFP®

As a Financial Planner, Yusuf works with the Financial Planning Team to implement strategies and recommendations that help clients to achieve their Live Big® goals.

Yusuf just finished fasting during daylight hours in observance of the month of Ramadan, which ended on August 8th. He is also preparing to sit for his Applied Economic Theory comprehensive exam on August 16th.

Learn more about Yusuf


Summar and Will’s Honeymoon Pictures

Summar and Will celebrated their marriage by spending two weeks in beautiful Hawaii for their honeymoon!

View their pictures from Kauai

Sailing
Mills Building Lobby Art Exhibition

If you are visiting the Yeske Buie San Francisco office from now through Nov. 8th, come visit the art exhibition Made of Money: The Collection of Louise and Davis Riemer in the lobby of the Mills Building.

The exhibition showcases over 60 artworks that are either made of, or about money. As Louise and Davis continue to build their collection, they seek out artwork “that contributes to the dialogue between the hand-crafted object itself and the means that are used to acquire it”.
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TheLiveBigWay* Digest – Celebrations

TheLiveBigWay Digeston August 1st, 2013No Comments
What Happened to DOMA and What’s Next?

On June 26, in United States v Windsor, the Supreme Court ruled 5-4 that Section 3 of the Defense of Marriage Act (DOMA) was unconstitutional, declaring that, if the citizens of a state voted to recognize and protect a class of people, the federal government could not fail to honor that without a legitimate government purpose. As a result, same-sex couples in a state-recognized marriage will now be recognized by the federal government. In the accompanying chart, we’ve summarized some of the key changes and planning implications.
Financial Planning WONK – What’s an RMD?

The who, what, when, why, and how of the Required Minimum Distribution (RMD) that must be withdrawn from IRAs and other retirement accounts each year.

For Yeske Buie clients who have RMDs, we have already distributed them as a lump-sum or have set up recurring distributions so that the full value of the RMD will be withdrawn by the end of year. There are a few exceptions to this, but those situations will also be handled before the end of the year.
Meet the Team – Cristin Etheredge

As Operations Administrator, Cristin, who works out of our Vienna, VA office, introduces new clients to YeBu, manages our vendor relationships, and oversees the day-to-day running of our two offices.

Cristin has been busy transitioning between living with family members in military service who are moving overseas and her own house, including the acquisition of a new roommate. She was also happily surprised to find that her gardening ‘experiment’ has turned out so well; with her first tomato ripening right now!

Learn more about Cristin
CE Bio Pic - Email Large
Yeske Buie Named a Top Advisory Firm by Financial Advisor Mag

Financial Advisor Magazine publishes an annual list of the top 500 Registered Investment Advisors based on total assets under management. Yeske Buie saw an increase of 23% in assets between the end of 2011 to the end of 2012.
Summar and Will’s Wedding -
The Professional Photos Are In!

The happy couple is currently enjoying their honeymoon in Hawaii, but just before they left, they received the professional photos from their wedding and reception.

Take a look at their wonderful celebration
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TheLiveBigWay* Digest – A Little Fine Tuning

TheLiveBigWay Digeston July 18th, 2013No Comments
Investment Updates: A Little Fine Tuning
We made a few changes to our portfolios this week that we thought we’d share.  These adjustments are technical in nature and constitute fine-tuning more than anything else.
Meet the Team – Lauren Grove
LG Bio Pic - Email Large As an Assistant Financial Planner in the Vienna, VA office, Lauren works closely with the Financial Planning Team and with clients to ensure their financial planning needs are met and to help them achieve their Live Big® goals. 
Lauren recently returned from a big family cruise to the Bahamas. She is missing the tropical islands and family members who returned to far away homes, but happy to be back on land. Lauren recently became the newest permanent member of Yeske Buie! She is thrilled to join the team and is looking forward to her future here. Learn more about Lauren 
Elissa and Dave…as Dolls! Abacus Dolls for EB-DY
The ever thoughtful Cheryl Holland and the wonderful team at Abacus Planning Group sent us this beautiful artisan craft to celebrate Elissa and Dave being chosen for Investment News15 Transformational Advisers list.Elissa and Dave’s favorite part about being selected was the decision by InvestmentNews to represent them as a unit. The Abacus team did a great job of creatively representing that. Thanks Abacus!
Adrift: An Homage to the Fog of San Francisco Bay Wine Country Half Marathon: Dave Survives 13 Miles in the Virginia Sun
Our friend Bill Dix just shared this video by Simon Christen with us, noting that “we spent a limited amount of time in San Francisco during our Orange County days, but we never saw fog the way he does.” Indeed. A beautiful look at the weather feature that so defines San Francisco. Early last month, Dave walked the Virginia Wine Country Half Marathon, as did daughter Lauren and a handful of other relatives, including: Jillian, Karen, Melissa, and Tony. By the end of the race, marathon officials had determined that Dave was the only one of the 2,100 participants who covered the entire 13.1 miles wearing blue jeans.
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Have a great weekend!
-The Yeske Buie Team

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


“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