IWM Investment Management Traverse City MI
Wealth Management Services In Traverse City

IWM Quarterly Planning News

September 2nd, 2014

In This Issue:

  • A View of Health Care from Around the World
  • Retirement Myths and Realities
  • Charitable Gifts of Items You No Longer Need
  • Why are you paying more at the pump?

Read Full Article Here…

1Q2014 Market and Economic Review

April 17th, 2014

Brief Summary:

  • Global markets experienced an up and down quarter but ended mostly positive.
  • In terms of U.S. economic growth, the quarter’s progress was complicated by severe winter weather that likely depressed some of the short-term indicators of the economy’s health.
  • Developed international stocks were flat, largely due to a sizeable decline in Japan.
  • Emerging markets have been beset by ongoing concerns about economic growth alongside macroeconomic instability in countries such as Ukraine (most recently) and Turkey.
  • Core bonds were among the quarter’s stronger performers, reinforcing the important role they play in a diversified portfolio. Municipal bonds were another bright spot in the quarter amidst improving economic health for states and municipalities.

Read Full 1Q2014 Market and Economic Review here

4Q2013 IWM Market & Economic Review

January 31st, 2014

It was a very strong year for U.S. stocks, fueled in large part by the Federal Reserve’s ongoing support and by improvement in the economic outlook. While developed international stocks also generated strong gains, emerging markets asset classes were strikingly negative as investors reacted to softer economic growth and potential changes in U.S. monetary policy.

Interest rates rose considerably over the course of 2013, as the yield on the 10-year Treasury jumped from 1.8% to just over 3.0% by year-end.

While it strikes us that the underpinnings of our economy are getting stronger, we also see that most asset classes are currently priced for just fair or subpar longer-term returns, and stock market sentiment in the United States is reaching optimistic extremes, suggesting a pull-back may be close at hand. Furthermore, the risks related to excessive global debt, subpar growth, and unprecedented government policy that we have worried about since the aftermath of the 2008 financial crisis still remain largely unresolved.

We don’t know the timing, but we are confident better investment opportunities will arise over the next few years. If so, our “dry powder” in the form of lower-risk investments in fixed-income and alternative strategies will be a major benefit to the portfolios instead of the drag on returns they were in 2013. We will continue to apply our discipline in order to capitalize on compelling return opportunities when they arise, but always with a strong focus on the risks to which our portfolios may be exposed, understanding that not all risks will ultimately come to pass.

4Q2013 IWM Market & Economic Review (Full Review Here)

IWM Investment Insights 3Q2013

November 21st, 2013

Please see IWM Investment Insights 3Q2013 Newsletter (here)

IWM Planning News November 2013

November 11th, 2013

In this Issue of Independent Wealth Management’s Planning News:

  • 2013 Year-End Tax Planning Considerations
  • Paying For Long-Term Care Insurance with Tax-Free Funds
  • Estate Planning and Income Tax Basis
  • Do I need to make any changes to my Meidcare coverage next year?

Please view article (here)…

IWM 2Q2013 Investment Insights

August 19th, 2013


(click here) for IWM 2Q2013 Investment Insights

1Q2013 IWM Investment Insights

May 1st, 2013

Please see linked 1Q2013 IWM Investment Insights below.

1Q2013 IWM Investment Insights

3Q2012 IWM Market and Economic Summary

November 28th, 2012

Please see link below for IWM 3Q2012 Market and Economic Summary:

3Q2012 IWM Market & Economic Summary (click here)…


IWM 2Q2012 Economic Summary

August 7th, 2012

Please see IWM 2Q2012 Economic Summary by clicking link below:

IWM 2Q2012 Economic Summary (click here)…

IWM 2Q2012 Investment Insights Newsletter

July 25th, 2012

Independent Wealth Management’s quarterly newsletter linked below:

IWM 2Q2012 Investment Insights Newsletter (Click Here)…

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