Earnings season so far has recorded the strongest year-over-year earnings growth since 2021. Revenue and earnings beat rates are solid but share price reactions have been muted.  Instead, investors are focused on outlooks which are starting to sour.  This is of concern to us.  Guidance raises have been relatively infrequent but have been massive outperformers.  The bar is high as earnings are expected to rise 14.8% in 2025 (source:  FactSet).

Tariffs are a fluid situation as the trade wars with Mexico and Canada are on at least 30-day holds. On Sunday the White House announced 25% tariffs on steel and aluminum imports.  And the tariff war with China is on.  The most likely sources of disruption will be among those businesses with integrated cross-continent supply chains, such as automakers and select industrials.  There are so many moving pieces that any true fundamental analysis is nearly impossible.  Investors remain concerned that President Trump will keep future tariffs in his back pocket (for now).  However, if developments hint at eventual reconciliation we would not be surprised to see new stock market highs soon.

What was the effect of the 2018 trade war?  Academic research suggests that nearly 100% of the 2018 tariffs were passed through to consumers, but because of a strong economy, those costs turned out to be rounding errors in a large and prospering economy.  We may be looking at a similar situation today.

FIVE YEAR ANNIVERSARY OF PRE-COVID PEAK

Next week (February 19th) marks the five-year anniversary of the pre-Covid peak for the S&P 500.  The period from the post-Financial Crisis low in 2009 to the 2020 high was one of the longest and most profitable bull markets in history, up 401%.  It took a dramatic shock to stop it but derailed it was.  The S&P 500 fell 33.9% in 23 trading days during February and March of 2020 as economic activity around the world was shuttered.  GDP fell 5.5% annualized in Q1 before crashing 28.1% annualized in Q2.  The unemployment rate went from 3.5% in February to 14.8% in April as the entire economy collapsed with stay-at-home orders and a shock to spending.

However, by August of 2020 the market was back at all-time highs.  By the peak in January 2022, the market had more than doubled off 2020 lows.  Is there a lesson there for long-term investors?  Yes, stay the course as uncomfortable as it may be during volatile periods.

Emergency monetary and fiscal policy unleashed unprecedented support for households and businesses alike.  The tide of stimulus was enough to keep the economy going until the U.S. could adapt to the risks of the Covid virus.  By March, multiple vaccines were already in human trials.

The Covid pandemic was truly a lesson in how vulnerable markets are to novel situations (black swans), and how powerful and important policy can be in addressing those vulnerabilities.

Fast forward to October 2022 when the short 2022 bear market ended.  A new technology sparked a new bull market which is alive and well today.  ChatGPT was released on November 20, 2022, which kicked off the current AI boom that has taken the world by storm.  Many tech and AI stocks have soared but the equal-weight S&P 500 is up only 17% since then and the equal-weight NASDAQ is up 32%.  This shows the broader market is not in a bubble, in our view, and has plenty of room to run.

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Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

Knowledge – Results

Experts in Risk Management

Are you prepared for the next market correction or financial crisis?

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This is achieved through an ongoing assessment of market risks given your specific financial situation and goals.

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Leadership Team

Richard Furmanski

Richard Furmanski

CFA

has been a portfolio manager and analyst for over 35 years. He manages conservative, tax-efficient portfolios for both pre-retirees and retirees. His lower risk approach appeals to investors who want less volatility and competitive risk-adjusted returns.

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Mary Ellen Adam

Mary Ellen Adam

Director of Operations

has been in office administration for over twenty years. Her experience includes customer service, firm operations, and office administration. She interacts with our clients on a day-to-day basis and handles any requests that may arise.

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Frequently Asked Questions

If you can't find the answer to your questions here, feel free to give us a call at 847-847-2505

Do you manage both stock and bond portfolios?

Yes. We build a portfolio of conservative, high-quality stocks and hold them for the long-term. The average holding period is 4 – 5 years. Our focus is on stocks that are suitable for retirement portfolios.

Our high-quality bond portfolios are designed to provide both income and stability of principal. Bonds provide the anchor for balanced accounts (those holding both stocks and bonds).

What is your investment philosophy?
We take great care in purchasing only high-quality stocks and bonds intent on a multi-year holding period. Portfolio turnover and taxable realized gains are modest in comparison to other active managers. We do not time the market but will become more defensive, in terms of stock holdings, when market conditions warrant.
Will the portfolio be managed in accordance with my financial goals?
Yes. Each of our clients has a custom-tailored portfolio. These custom portfolios are designed to meet specific client objectives with a thoughtful approach to specific constraints such as risk tolerance. And as each client’s situation changes, the portfolio does as well. There is no cookie cutter approach.
What kind of expertise do you have and how can that help me in difficult markets?
We have been working with high-net-worth clients like you since 1982. Over that time we have helped them to navigate several bear markets and financial crises (including the stock market crash of 1987). We hold the Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP) designations.
Are you sensitive to taxes when managing portfolios?
Yes. Our holding period for an individual stock averages 4 plus years which means our turnover is low and realized gains can be carefully managed. Further, where possible, we tax loss harvest small losses as a way of offsetting gains taken elsewhere in the portfolio.
How have you performed?
Results will differ by client and the level of customization but we have provided competitive investment returns for many years.
How do you charge for your services?
We charge a management or consultant fee based upon the size and level of customization of the account. As the account grows, we benefit together.

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