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Archive by author: Frederick F. Kramer IV, J.D.Return

Rick is Vice-President, Chief Investment Officer and an equity partner in the firm. He has over thirty years of wealth management experience, which he draws on to advise clients and oversee the firm’s investment-related functions. Rick is a cum laude graduate of Bucknell University and Dickenson School of Law—Pennsylvania State University.

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Prognostication 2016 may go down in history as the poster child for the axiom that it is impossible to magically predict how the stock market will perform.  Of course, that makes much of the print you read, or gurus you watch or listen to, meaningless.  But don’t take our word for it.  At a presentation at the University of California on April 15, 2003, Steve Forbes, publisher of Forbes Magazine said:              “You make more...
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Trumping the Market How will the market react if Donald Trump wins the election?  That is the most popular question our advisors have been hearing over the past few months, especially as more states appear as “toss-ups” and their Electoral College votes going in either candidates’ direction.  Some investors think the market would tank were Trump to be elected.  Some think the opposite.  Most have no idea what will happen.  All are concerned. &nb...
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It’s Been Two Years and I’m Still Not Rich(er)!? Perhaps you’ve noticed that your portfolio’s value hasn’t been doing anything special for several quarters.  And if you are paying attention to the Dow or S&P 500, you may be wondering why your portfolio hasn’t kept up.  To get some idea of what is happening, review Chart 1 below, which shows some cumulative asset class returns over the last two years.  (All charts courtesy of Yahoo! Financ...
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And Lady Liberty Wept... Politics has always been a rough and tumble business. This year’s Presidential Primary season has proved no exception, and has been both hostile and humorous at the same time.    Certain candidates’ policy platforms include various proposals which would exclude certain groups of foreigners.    Without taking sides in this issue, it seems as though a meaningful percentage of voters agree with at least some of these proposals.&n...
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Cheap and Popular First Lady Kim Kardashian West. It has a nice ring to it, don’t you think?  A few months ago, Kim’s husband Kanye West -- a rapper, record producer and clothing designer, announced that he would be running for U.S. President in 2020.  Before you snicker, don’t forget about a current poll-leading, ultra-wealthy Republican candidate with huge ego and no political experience.  Back to Kim. Her popularity was immense even before her third marriage and two children, before her ...
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Chicken Little or Zeus? Last month the market fell out of the sky. It caused quite a stir. Or not. It all depended on who was watching, and from what vantage point. Chicken Little freaked out.   She scurried about in the dirt, with clouds of dust swirling around her. She could barely make out Jim Cramer’s image on CNBC’s beloved Mad Money. All the noisy bells and buzzers and rifle shots and shrieking crowds didn’t allow her to really hear much of what he was saying. But she knew it must be ...
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Most investors do not plan to act in a foolish manner. In fact, most probably think they do have a plan when they purchase an investment. In the light of day, when the sun is shining and birds are singing and children laughing, it is fairly easy to feel you can withstand whatever the market can throw at you. But when the weather changes and the pleasant noises stop, things change. When the markets plunge and the news is horrible and the monthly brokerage statements are getting worse and worse, m...
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April 16, 2015 We are pleased to let you know that Maria Tobin CLU, ChFC, LUTCF has joined W. Talbot Carter, CLU, ChFC and the DHG Agency team in an effort to provide more comprehensive service to our clients. Maria and Talbot have extensive experience and can assist you or a family member in reviewing or considering the following: Life Insurance Solutions Term and permanent coverage for families, estate planning and business applications like funding buy/sell agreements, key person policies...
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Investors are no strangers to cycles. Seasons of the year, business cycles, presidential cycles, tax seasons, holiday shopping, and military engagements are all examples of cyclical types of behavior that are often predictable and definitely influence the markets. What time of the year does the most money flow into retirement plans? What quarter do toy companies earn 70%+ of their profits?
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The Pit and the Pendulum January 21, 2015 In the above titled short story, an unfortunate prisoner has to endure two different types of torture. Readers who search for symbolism may likely view this tale as a figurative journey into the psychological depths of decision-making during stock market tumult. Unfortunately, after hundreds of seconds of internet research, I was able to confirm that Edgar Allan Poe died young (age 40) and poor. It is therefore questionable whether Poe intended to writ...
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