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Fintech Trends
Fintech is a very important part of the technology landscape. Because of the high regulation, the barriers to entry are quite steep. Innovation in fintech is changing very fast. As most know, I organize LA Fintech which brings me into the battle zone of fintech innovation of SoCal. Some of the main reasons are technology…
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US Market Awakening: Break the Market Then Fix It
We continue to see signs of a broken US market structure. Before something is fixed, it needs to break down completely. We are currently seeing this in the US equity capital markets. I have mentioned previously the only way to fix the national exchanges are with a central limit order book (CLOB) with lit only…
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Retirement Accounts & Inflation Risk
Lately, we’ve seen or heard people saying, “Because of inflation we had to raise our prices.” This rise in prices will affect bond yields. Interest rate risk is when the price of bonds drop because of a rise in interest rates. Bond price and interest rates are inversely related to each other. How much the…
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Happy 4th of July- The Freedom to Invest
This 4th July is a celebration of independence. The celebration is the US leaving the rule of UK which is the birth of the US. Independence is very important. In the investing world, independence can also be important. We should also celebrate our freedom to have so many investing options, asset classes, risks, and account…
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Dinosaurs and Pension Runs
Dinosaurs once roamed earth many years ago. They ruled for a time period then disappeared because of lack of sun, weather, or other unknown reasons. There are different opinions on why the dinosaurs disappeared. Although dinosaurs did rule earth, change happens unexpectedly. This can be seen with pensions and their risk. Recent bank failures were…
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How Safe is Your Cash?
Bank Alternatives for Cash Sometimes cash is like an egg and you just want to sit on it to protect it as a safety net. Save it for a rainy day. But, how safe is it to sit on cash? It’s not like you want to intentionally shatter your precious eggs, right? During times of…
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The New Income Investors
The gift of income has been years in the making. From a 2% world to “real” yield. The yield race is on. Recently we saw the 6 month US Treasury yield hit 4.99%. We now see the 1 year US Treasury hit 5%. Why is this important? For fixed income investors, this is a godsend.…
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The Medicare Maze
Welcome to the world of Medicare. Its an interesting maze. Like a mouse maze, Medicare has different paths. Some dead ends, others successful. Although Medicare is difficult to navigate, there is an ability to plan a successful health care plan at age 65. Life is about planning and goals. This was taught when we were…
Guided Financial Empowerment