Top-down and bottom-up investing show that even in investing there is more than one way to skin a cat. To put it simply top-down investing is going to start with a broader view of the market…
Thought Leadership
What is a trust? How do they work? Does a will supersede a trust or vise verse? A trust and a will are two separate legal entities which normally work in conjunction with one another in…
Written by: Michael Mims, Managing Director, Private banking The Prime Rate or Prime Lending Rate is generally accepted as the interest rate banks charge their best clients. Prime Lending Rate changes anytime the Federal Open Market…
Written by: Michael Mims, Managing Director, Private banking Cash Flow Planning is basically a strategic plan to review anticipated revenues / income and expenses / cash outflows over a defined period of time. Cash Flow Planning…
Debt is not a bad thing. In fact, it can actually be a good thing if managed properly. By ensuring that your debt is being proactively monitored you can better manage your taxes and ensure your…
Written by: Michael Mims, Managing Director, Private banking Banks are generally on the conservative end of the lending spectrum. Clients deposit funds into banks for safekeeping, to transact business, and earn a reasonable rate of interest…
The three major credit bureaus, Equifax, Experian and Transunion, use these 5 factors to compile a credit score which banks and creditors will use to determine your eligibility for various types of loan or credit…
Sci-Fi: Nasa discovers first earth size planet Science fiction is becoming the new reality. Last week, NASA’s Transiting Exoplanet Survey Satellite (TESS) discovered its first Earth-size planet in its star’s habitable zone that could potentially support…
“I think we are at the dawn of a new era in commercial space exploration.” Elon Musk Over the last week, with the NCAA Championship Game, the impeachment saga in Washington, the ongoing turmoil in…
A Quick Look Back at Another Good Quarter and a Fantastic Year At the beginning of 2019, we told clients to expect a decent, positive year in the markets with one caveat: it would probably…