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Monday, March 13, 2017

Annuities, like pensions and Social Security, offer the promise of lifetime income, something no other investment class can do. With stocks, bonds, real estate, and other alternatives, income that one cannot outlive is a risk-based...

 

Thursday, March 9, 2017

There’s been lots of discussion about long term care in recent years, and for good reason, as this is a very important and expensive issue especially when we consider the possibility that you will live a long time. You should...

 

Monday, March 6, 2017

Tax reform”, back in 1986, killed the real estate tax breaks so soundly that most of us don’t even remember how sweet they were anymore. Many taxpayers (and their advisors) incredibly still don’t know about the...

 

Thursday, March 2, 2017

Annuities are some of the most complicated, poorly understood “investment” products on the market. But many investors don’t know they are actually life insurance policies that can pay high – even very high...

 

Monday, February 27, 2017

Camarda invites Clients and Friends to a free financial education class at the Florida Yacht Club on Thursday, March 14 at 6:30pm. RSVP for this exclusive event by calling 904-717-0939 or to rick.martin@camarda.com. For those unable...

 

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Thursday, February 23, 2017

2017 has certainly started with a bang, and kept the Trump rally intact, despite some scary days leading to mid February. We still think US stocks are at unsustainable valuations, and that a correction is coming. We stress that we are...

 

Monday, February 20, 2017

The US markets continue to roar, but we expect a pause is in the cards – if it comes, use it as a buying opportunity. Non-US markets are finally catching fire, and we feel these have tremendous upside, and this is a good reason...

 

Thursday, February 2, 2017

Thanks to all the Camarda clients who took the time to help with the survey! Your time is greatly appreciated, and your opinions really matter to us. We are very excited and proud about the results! By consistent super majorities,...

 

Monday, January 30, 2017

Thanks to all the Camarda clients who took the time to help with the survey! Your time is greatly appreciated, and your opinions really matter to us. We are very excited and proud about the results! By consistent super majorities,...

 

Thursday, January 26, 2017

We routinely offer the public free portfolio stress tests as a way of introducing our firm. Your friends, family and colleagues may also benefit from this…and if you have accounts outside of Camarda, you may find it very useful...

 

Monday, January 23, 2017

Thanks to all the Camarda clients who took the time to help with the survey! Your time is greatly appreciated, and your opinions really matter to us. We are very excited and proud about the results! By consistent super majorities,...

 

Thursday, January 19, 2017

Thanks to all the Camarda clients who took the time to help with the survey! Your time is greatly appreciated, and your opinions really matter to us. We are very excited and proud about the results! By consistent super majorities,...

 

Monday, January 16, 2017

Thanks to all the Camarda clients who took the time to help with the survey! We are especially thankful since this is the second one we’ve burdened you with this year, so we promise to lay off for awhile! We only do it to pursue...

 

Thursday, January 12, 2017

Our friends, we are overjoyed to announce that the long awaited update of our website – camarda.com (also at wealthleader.org) is complete, and the site is live! We think you’ll agree that this represents a major...

 

Monday, January 9, 2017

The market has rallied strongly since the election, but we think a bit too far, too fast. Camarda believes we will see a sharp correction early in 2017, and possibly by the time you view this material. Still, we believe both the US...

 

Monday, December 19, 2016

Asset protection – shielding your wealth from lawsuits and other predatory attacks – can be one of the most critical parts of a sound wealth management plan. This vital area seems to be a high priority for many investors,...

 

Thursday, December 15, 2016

While nearly everyone who can has had time to get used to the idea, it goes without saying that The Donald’s election to the presidency was a sea-change shocker singular in recent memory, an off-the-Richter-scale tumbler...

 

Tuesday, December 6, 2016

Longtime readers will remember that much of Camarda’s value investment philosophy springs from the teachings of Columbia University (one of our portfolios is named for it), the Ivy League school in NYC where Warren Buffett was...

 

Tuesday, November 29, 2016

Jeff was proud, surprised, and humbled to be presented with a check for $1,000 as the prize for winning the Academy of Financial Services’ “Plan-Plus Best Analytical Paper Award” during this academic conference in...

 

Tuesday, November 22, 2016

Camarda is excited to announce that, after long and careful consideration, we have established a relationship with Dimensional Fund Advisors (DFA). DFA offers funds to individual investors exclusively through a select network of...

 

Tuesday, November 15, 2016

by John Crawford, Esq. with Jeff Camarda We are living in a very volatile financial environment. I see situations all the time where the financial security clients have worked all their lives to attain are threatened to be wiped out in...

 

Tuesday, November 8, 2016

Regardless of who wins the White House, Camarda thinks that across the board tax hikes will painfully erode the wealth of readers of this space soon, and worse in years to come, and that astute tax planning has never been more...

 

Friday, November 4, 2016

The financial fashion winds have blown many investors far into the low cost index fund forest, supercharged by the recent (and historically unusual) sustained surge in the S&P500, and encouraged by government forces since the 2008...

 

Tuesday, November 1, 2016

When I was a young advisor back in the 80’s, a broker at a big, reputable firm told me his chilling plan. He was building a big client book with blue chip stocks at the reputable broker, but planning to move to a “Wolf of...

 

Friday, October 28, 2016

Ah, the fickle investor! As recently reported by the Wall Street Journal, one of this bull market’s darlings – “hot dividend stocks” – have fallen out of favor, with utilities posting the longest losing...

 

Tuesday, October 25, 2016

Overvaluation appears to finally be tainting some parts of the market, particularly popular dividend stocks, which have fallen lately. Camarda emphases it believes using a value approach – baked deeply into Camarda’s...

 

Wednesday, October 12, 2016

With the markets seemingly poised for big changes, Camarda is offering all clients free portfolio stress tests,to help them get a sense of how exposed their non-Camarda assets are. We typically see some big risk areas when we do these,...

 

Wednesday, October 5, 2016

Why use Passwords? In the world of social media, internet, and ‘user accounts’ on your phones, tablets, surfaces, and laptops, a password is required to ‘protect you and your data’. The fact that people use weak...

 

Thursday, September 29, 2016

We are about to enter a very critical tax planning time. Most of us are calendar year taxpayers, which means that for the most part only the actions you take before the end of the year can matter in reducing your 2016 taxes. If you...

 

Monday, September 26, 2016

Powers of attorney – the legal document you sign giving another (like a trusted child) the right to act on your behalf as it they were you – are not the magic bullets many people think they are. For one thing, POA’s...

 

Thursday, September 22, 2016

PIN Numbers and Old Wives Tales: Most people use a four digit pin number for things like debit cards, cell phone passwords, ATMs, and other locations that require a strict numeric requirement like your doctor’s system for...

 

Friday, September 16, 2016

Mid-September delivered a market jolt like we have not seen since the scary days of early 2016, and brought to mind the big August/September of 2015 selloff that kicked off the period of sharp volatility that ran into last Spring. And...

 

Thursday, September 15, 2016

Since last year, the Treasury Department has been working on new rules that are designed to thwart a very mainstream practice used for decades to reduce estate tax, called discounting. Essentially discounting allows taxpayers to...

 

Thursday, September 1, 2016

2016 continues to play out as we expected, with an extended bull market worldwide – but especially in the US – despite sputtering economies around the world, a less than red-hot US expansion, pricey US stocks, and deep...

 

Thursday, August 18, 2016

We are even more alarmed at the outlook for bonds than we have been, and we have been very worried for a long while now. Not to put too fine a point on it, we remain very bearish on bonds of nearly every stripe, and believe that the...

 

Monday, August 15, 2016

We are proud to welcome Dwain as Executive VP and National Director of Sales for Camarda Wealth Advisors. Dwain has been in the insurance and investment industry since 1997 when he divested his Engineering Firm in Morgantown, WV....

 

Thursday, August 11, 2016

2016 continues to play out as expected, with US stocks hitting new highs but gradually ceding leadership to non-US stocks, where we expect the real action to be in the years to come. Value investing – looking to buy quality...

 

Thursday, August 4, 2016

2016 continues to unfold better than many had expected during the dismal first quarter. The U.S. economy is chugging along at a respectable pace, and remains the envy of the world. Consumers’ optimism and spending remains strong...

 

Friday, June 24, 2016

Political drama is the spice of the markets, and when times like these come (and they come all the time!), the most important thing is to remember is that the world is not ending, and that panicking is a bad idea. Everyone's first...

 

Thursday, May 19, 2016

The AIMS™ system is complete, and your Portfolio Board is actively operating it. We are excited about the potential for AIMS™ to help clients successfully navigate the challenging market conditions we see for the next...

 

Saturday, May 14, 2016

Macy's Update: HOLD Reason:+ Still strong cash flows although weaker. Last year's initiatives seem to be working.- Near-term outlook is getting cloudier. Dividend yield is 3.8%. Q1/2016: Sales were 7.4% below last year’s sales...

 

Friday, May 13, 2016

After starting flat-footed, 2016 is showing signs of life. The U.S. stock market is challenging the record books again, and the economy—while not on fire—is chugging along with employment numbers particularly looking...

 

Saturday, April 2, 2016

Camarda is proud to announce that the investment advice of its Chairman, Jeff Camarda, was recently featured in a Forbes story. An excerpt follows, and a link to the entire story can be found below. How To Invest Your Money In 2nd...

 

Thursday, March 31, 2016

Greetings, clients and friends, and happy second quarter! We certainly hope this quarter brings less drama than last, and indications so far are this will be the case. The Camarda portfolio board met yesterday and among other items,...

 

Tuesday, March 15, 2016

FLEMING ISLAND, Fla. (March 15, 2016) – Jeff Camarda, representing his firm as Chief Investment Officer, has been named by Barron's as one of the top financial advisors in America again. The March 7th edition of Barron's...

 

Tuesday, March 8, 2016

FLEMING ISLAND, Fla. (March 8, 2016) – Robert Tucker, Personal Wealth Advisor of Camarda Wealth Advisory Group, has earned the Chartered Financial Consultant® (ChFC®) professional designation from The American College,...

 

Thursday, January 28, 2016

Camarda’s original asset allocation process was called ISIS™, for Integrated Strategic Investment System™, which we developed almost 20 ago. We successfully had it trademarked with the U.S. Patent Office in 2004, and...

 

Thursday, January 21, 2016

You may have noticed that since mid-2014, the U.S. Dollar has been gaining a lot of strength with its value rising versus global currencies, after getting crushed in late 2008 and bottoming out in 2011. I am sure you have heard about...

 

Tuesday, January 19, 2016

My friends, 2016 has gotten off to a very troubling start with stocks tumbling and investors all over the world worried to death, for perfectly understandable reasons. Fear is running so strong you can almost taste it. It has not...

 

Friday, January 15, 2016

My friends, 2016 has gotten off to a very troubling start with stocks tumbling and investors all over the world worried to death. Fear is running so strong you can almost smell it. Times like these are very dangerous, not so much...

 

Thursday, January 7, 2016

The weakness in equity markets we ended last year with continued into the first trading day of 2016. China's manufacturing numbers were ratcheted down again. The Chinese government made some confusing (they may be confused!) moves,...

 

Thursday, December 31, 2015

Research by Dr. Thanh Bui, Chief Fundamental Analyst Edited by Jeff Camarda, Chief Investment Officer Citigroup Inc. (C) is a financial services holding company providing financial products and services, including consumer banking,...

 

Thursday, December 17, 2015

By C. Jonathan CamardaCMT®, CPWA®, CFP®, ChFC®, CLU®, CFS®, BCM® The Federal Reserve—big surprise—finally pulled the trigger on the much anticipated rate hike. The delivery was pitch perfect to...

 

Thursday, December 3, 2015

The investment landscape has changed considerably, in the past several years, with U.S. stocks soaring to levels widely considered to be overvalued with the no-less-than Nobel Prize winner, Dr. Robert Shiller — noted author of...

 

Thursday, November 19, 2015

By C. Jonathan Camarda CMT®, CPWA®, CFP®, ChFC®, CLU®, CFS®, BCM® After a furious rebound in October, the global markets have pulled back hard thus far in November. Many feel this was partly due to the...

 

Wednesday, November 11, 2015

While Memorial Day celebrates veterans who have given their lives for our country, Veterans Day celebrates all veterans for their bravery and dedication. It is celebrated on what was once called Armistice Day. During WWI, fighting...

 

Tuesday, November 10, 2015

By C. Jonathan CamardaCMT®, CPWA®, CFP®, ChFC®, CLU®, CFS®, BCM® Equities are riding the momentum of better-than-estimated corporate earnings. We are 75% through earnings season, and over 70% of companies...

 

Monday, October 26, 2015

As we round out of October, we are looking ahead and assessing our forecast for the 2015 year-end, as well as our expectations for one year and three years out. Here’s the market performance that we at Camarda Wealth see...

 

Thursday, October 22, 2015

I attended my first academic conference as a PhD student last week, which was mostly devoted to the presentation of new research and papers for critical review by other academics. I attended some sixteen paper presentations. Here are...

 

Thursday, October 15, 2015

By C. Jonathan CamardaCMT®, CPWA®, CFP®, ChFC®, CLU®, CFS®, BCM® The consensus on Wall Street seems to be that earnings expectations are low amidst low inflation and moderate economic growth. Many are...

 

Thursday, October 8, 2015

By C. Jonathan CamardaCMT®, CPWA®, CFP®, ChFC®, CLU®, CFS®, BCM® The Federal Reserve was thrown another curve as a less-than-stellar, non-farms payroll data figure last week, showing employment did not...

 

Thursday, October 1, 2015

Over the past several years, much hay has been made about the superiority of indexing versus active investing to the point where many investors, with the encouragement of the media, believe that even good advisors or portfolio...

 

Thursday, September 24, 2015

By C. Jonathan Camarda CMT®, CPWA®, CFP®, ChFC®, CLU®, CFS®, BCM® There was consternation over the Federal Reserve’s decision to rates; however, most traders expected that they would leave rates...

 

Tuesday, September 15, 2015

By C. Jonathan Camarda CMT®, CPWA®, CFP®, ChFC®, CLU®, CFS®, BCM® There are whispers of the uncertainty heading into next week’s long-awaited Federal Reserve meeting. Conflicting economic data is...

 

Thursday, September 10, 2015

By C. Jonathan Camarda CMT®, CPWA®, CFP®, ChFC®, CLU®, CFS®, BCM® The most recent jobs data for August came in at 173k versus the expectations of economists of 213K—both of which are lower than...

 

Tuesday, September 1, 2015

By C. Jonathan Camarda CMT®, CPWA®, CFP®, ChFC®, CLU®, CFS®, BCM® The weakness in China is being spotlighted as a big reason for the recent tumult in global markets. Further deceleration in the China factory...

 

Wednesday, August 26, 2015

Special Report from Camarda ChairmanThe recent global selloff has brought anxiety to investors of every stripe, and it’s important to put the event in context.Yes, it’s a disturbing drop.No, it’s not the end of the world, the beginning...

 

Tuesday, August 25, 2015

Workers are essential to innovation and success. According to the London School of Economics (LSE), they’re a source of ideas for new products, new services, new approaches to work, and new business models.1Worker-led innovation must...

 

Wednesday, August 19, 2015

Healthcare. Retirement. Those may be two of the most stressful words in the English language today. Especially when you include them both in the same sentence. For instance, a married couple that saves $326,000 has a 90 percent chance...

 

Friday, August 7, 2015

How Do You Make Money in Stocks?Have you ever watched Family Feud? Perhaps you were a child when Richard Dawson hosted the game show or maybe you enjoy the current version. No matter, take a moment and:• Name a three-letter word that...

 

Thursday, July 30, 2015

Have you ever had one of those months? The water heater stops heating, the dishwasher stops washing and your family ends up on a first-name basis with the nurse at urgent care. Then, as you’re driving to work, giving yourself your best...

 

Thursday, June 25, 2015

People think about character in many different ways. You have probably heard or may have commented on someone else’s character by saying:• She is a woman of good character.• What a character!• That was really out of character.• He has...

 

Monday, June 22, 2015

Achieving U.S. citizenship can be life changing, but it is not easy. Those who aspire to become American citizens must pass a 100-question naturalization test and answer six of 10 questions correctly during their naturalization...

 

Wednesday, June 17, 2015

While your high school student is taking standardized tests, parsing college choices, and raring for graduation, you’ll probably find yourself spending some time with net income calculators on college websites. Whether your family’s...

 

Tuesday, June 9, 2015

Modern dads are a diverse bunch. They may go to work or stay at home with the kids. They may be single, married, or dating. They may be birth parents, adoptive parents, or step-parents.1 They may be expected to teach children morals...

 

Tuesday, May 12, 2015

There are many ways to show gratitude for the sacrifices made by the men and women who have died while fighting for our freedom. In 1868, General John Logan issued a Memorial Day Order that said:1“Let us, then, at the time appointed,...

 

Wednesday, May 6, 2015

When you think “Mom,” it’s likely your brain conjures up a scent or a story or a song that feels like home. Here are a few inspiring and heartfelt words that have been written about the value and importance of mothers:“A mother enables...

 

Monday, April 27, 2015

It all depends on you. Thanks to the Baby Boom generation, pre-retirees and retirees have a lot more options than did previous generations of Americans. There is a lot to consider before you decide where to live during retirement: your...

 

Tuesday, April 7, 2015

Before you know it – thanks to smart phones, tablets, and wireless technology – your home will be connected to the Internet of Things. Sure, home automation costs a few shekels, but just imagine it! You could be the envy of Jane Jetson...

 

Friday, March 6, 2015

St. Patrick, the apostle of Ireland, is one of the most well known and popular Catholic saints. Of course, he wasn’t actually Irish and his birth name wasn’t Patrick! Maewyn Succat was born to Calpurnius and Conchessa, a Roman couple...

 

Monday, July 21, 2014

History is full with examples of parents taking actions they believe will improve the lives of future generations. In 1780, then President of the United States John Adams wrote to his wife:[1]“I must study Politicks and War that my...

 

Friday, June 13, 2014

Use Your Brain!If you’ve been “feeling your age” lately, you may want to pick up a copy of molecular biologist John Medina’s newly updated and expanded book Brain Rules (or download it onto your mobile device). In the book, he marvels...

 

Friday, May 30, 2014

Just Breathe: The Benefits of MeditationThere is a reason why many people try meditation and few stick with it: Mastering meditation is difficult. It requires you to focus 100 percent of your attention for an extended period of time....

 

Friday, May 30, 2014

If you’re not a technology wonk, you may not realize the Internet and the Worldwide Web are actually two different things. The Internet is a global system of interconnected computer networks. The Worldwide Web is a system of...

 

Friday, May 30, 2014

Whether you’re retired or working, do you really know where you spend your money? These are increasingly important questions today as more people are helping not only their children, but also their grandchildren. This may also be at...