A monthly newsletter brought to you by Treece Financial Group | # 56 | January 2019
Holistic | Welcoming | Advocacy-Oriented Financial Planning

I would like to share some comments on the extreme market volatility of the last quarter of 2018, and especially the month of December. 

I have been working with some money managers who will even go to cash if they feel market conditions warrant it. Some of those managers did indeed reduce exposure to equities, but the underlying U.S. economy is still showing strength including a terrific jobs report in December. 

The CEO of one of the money managers we use, Vance Howard of Howard Capital Management, shared the following comments, “The current downside is emotionally-driven trading exacerbated by computer trading programs triggering sell signals. I don’t see this market volatility as being driven by fundamental forces signaling a recession. This looks like the classic signs of a short-term market sell-off, not a longer-term one. The market is going to trade back and forth for a period of time as the computerized trading calms down. These types of market conditions are ones where investors make the most mistakes. The human instinct is to 'react' or to 'do something' about the market action, when sitting tight can often be the best course of action.”   

Vance Howard also added in one of their “Wealth Watch” editions that they have been at 100% cash in such cases as 2008, but most periods of volatility are short lived—historically 4 to 6 months.

View this video recap for more insights into last month's market insights.

After viewing, please feel free to call me if you have any questions on concerns about how your investments may be affected by current market conditions.  You don’t have to ride a volatile market to the bottom.

I am here to offer no-pressure advice about flexible and innovative financial solutions. I work with experienced money managers who offer investment strategies that can go into cash positions in event of a crisis to try to preserve your investment.*

Even though parts of the U.S. federal government remain closed due to the ongoing shutdown, identity thieves are not taking any time off.

In fact, because the Federal Trade Commission (FTC) is shut down so hackers now have even more opportunity to steal online data. The FTC is the agency that citizens report identity theft to receive support to recover from it.

Currently, the FTC's  IdentityTheft.gov website  says, “We will resume normal operations when the government is funded.” 

So, now more than ever, it is important to ensure your online data is as safe as it can be.

Check out these resources for online security tips and recommendations ...
Password Protection Strategies

Facebook, Twitter, LinkedIn-they've all fallen prey to hackers who exposed passwords and other personal information for hundreds of thousands of their users. If you haven't yet had your password stolen, chances are, it may be only a matter of time.

Read more
To Catch a Thief

Tip: If You're a Victim. If you think you may have had your identity stolen, take action immediately. Start by contacting the Federal Trade Commission (www.ftc.gov), where you can find information about what to do next. Many Americans have taken...

Read more
Tax Season Support Workshops
image of rainbow piggybank
Tuesday, February 19th
6:30-8:00 p.m.
Miami Beach Senior Center
610 Española Way
Miami Beach (FREE Parking)
In partnership with Lambda Living and MDGLCC University
Tax Reform
Thursday, February 21st
6:15-7:30 p.m.
Brockway Memorial Library
10021 NE 2nd Avenue
Miami Shores
Stressing out as you pull together tax filing documents before meeting with your tax professional or sitting down to complete your own tax forms?

Join us at one of our upcoming community-based seminar to learn the latest on this year's tax regulations. Get answers to questions like:

  • How could the government shutdown affect the tax filing and refund process?
  • Will the new tax regulations cost me money or will I benefit?
  • When is it best to itemize my deductions vs. taking the standard deduction?
  • What is "bunching" and should I be doing it?
  • How can I position myself in 2019 to maximize my tax benefits?

Open to all—bring a friend! Free parking. RSVP via email or call 305-751-8855.
Tax Season & Financial Planning Support

Not only is January a chance to turn the calendar to a fresh start, the month is also known as "Get Organized Month" and "Financial Wellness Month" — two topics at the core of my mission to help all of my clients protect and promote the well-being of their entire financial portfolio, from investments to information security.

This is also the start of tax season. As you pull together your documents to meet with your tax professional within the next couple of months (or sit down to complete your own tax forms) take a bit of time to review tax planning opportunities with me.

Although I do not provide tax reporting directly, a check-in with me could yield tax savings for you and set you on the right track for 2019 and beyond. Give me a call today at 305-751-8855. I look forward to hearing from you!
2019 Key Financial Data With New Tax Filing Guidelines
Download our fully updated financial data reference card.  We hope it saves you some time (and headaches) in managing your personal finances, including taxes.
2019 Retirement Calendar Checklist Helps You Stay Ahead of Critical Deadlines
Download our checklist  to find the guidance you need on taxes, Social Security, Medicare, retirement account distributions, year-end tasks, and more.
Thanks to All Who Celebrated with Us at Our Colombian-Style Holiday Party
Click here to view photos from this festive and fun evening!
Securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer, and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.

*Investments in securities do not offer a fixed rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested. No system or financial planning strategy can guarantee future results.