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Our Blog

What to Make of Bitcoin From an Investment Perspective

Posted on: September 10, 2017| Posted by: Jon Powell | Current Events, Investment Decisions

Bitcoin is has been in the news a lot recently. As of August 24th, the price of ‘physical’ Bitcoin had increased by 336%, year-to-date. Of course, as anyone who has looked into purchasing direct Bitcoin already knows, the process of “investing” in Bitcoin is rather complicated and poses a litany of unique risks. However, the […]

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Best Practices Savings Guide

Posted on: July 21, 2017| Posted by: Jon Powell | Budgeting

In most lines of work, you read about “best practices”. Well, let’s take a moment to apply best practices to your finances. You may be just beginning your financial journey, fresh out of college. You may have children or grandchildren that are starting their first real job. Perhaps, you just want to get serious about […]

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Trump Tax Plan Revisited

Posted on: May 11, 2017| Posted by: Jon Powell | Current Events

This article is based on information released in April of 2017 concerning the Trump Administrations plans for tax reform. For analysis concerning information released in September 2017, click HERE. Back in December, we discussed what the Trump tax plan might look like based on proposals offered by the House Ways and Means Committee and published […]

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Fiduciary Advisors – What They Are and How to Find Them

Posted on: May 1, 2017| Posted by: Jon Powell | Current Events

If you have ventured outside of this blog to other areas of our website, you may have noticed constant references to the fact that we are fiduciary advisors. The reason we highlight this point is because advisors that truly act in a fiduciary capacity to their clients are far less common than they should be. […]

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How to Handle a Large Inheritance, Settlement, or Windfall

Posted on: March 30, 2017| Posted by: Jon Powell | Behavioral Finance

Rapidly advancing from rags to riches, or riches to… far more riches, is obviously exciting. However, the improper management of this wealth can be detrimental. You don’t have to look hard to find stories about how athletes, lottery winners, inventors, or estate beneficiaries have gone broke despite coming into enormous wealth. An inheritance or windfall […]

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Morningstar Star Ratings – What is a Five-Star Fund?

Posted on: March 9, 2017| Posted by: Jon Powell | Behavioral Finance, Investment Decisions

I had an interesting conversation with someone who was asking about the mutual funds we employ. Specifically, he asked if we use “Five-star mutual funds”. I probably shouldn’t have been surprised, based on how ubiquitous Morningstar is for investment research, but I had never been asked about Morningstar Star Ratings before. In the world of […]

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When Do I Need to Get a Life Insurance Policy?

Posted on: March 2, 2017| Posted by: Jon Powell |

Disclaimer: Ferguson-Johnson Wealth Management and our advisors do not sell or place life insurance, nor do we have any financial incentive to recommend or refer life insurance for our clients. Life insurance isn’t fun to think about. As a planner, some of the hardest conversations we have with clients center around this topic. You’re planning […]

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Conversation Starter – World Market Cap

Posted on: February 23, 2017| Posted by: Jon Powell | Investment Decisions

I often come across interesting images or thought-provoking data that I want to share with our community, but may not dictate 1,000+ words on the subject. Today, I want to launch a new series that explores these fun-facts in more bite-sized pieces. Click the image above for an expanded view. How do we measure the […]

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The Your Age in Bonds Rule for Portfolio Allocation Might Be Hurting Your Retirement

Posted on: February 16, 2017| Posted by: Jon Powell | Behavioral Finance, Investment Decisions

Rules of thumb are common in the investment world. There’s the “rule of 72”, which gives us an idea of how often money will double. The safe retirement withdrawal rate lets us know how much we can “safely” draw from retirement portfolios without significant risk of long-term depletion. Finally, there is the your age in […]

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The Dow at 20,000 – The Dow is a Bad Index

Posted on: February 2, 2017| Posted by: Jon Powell | Current Events, Investment Decisions

Last week, the Dow Jones Industrial Average (“The Dow”) cracked the 20,000 point mark. It’s fun and exciting, and it’s seemingly and indication that the stock markets and economy are doing well. Or at least that’s what financial media purports. So, what does the Dow reaching this level actually mean? Well, in truth, very little. […]

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