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Welcome to the Beese Fulmer Wealth Management Commentary. Researched and written by Beese Fulmer experts, these articles unravel the mysteries and expertly guide investors with information and counsel honed over decades of experience. Visit often for more articles or subscribe to our RSS feed below.

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  • Ask the Rational Investor: “Isn’t holding cash a lot safer than stocks or bonds?”

    By: Ryan T. Fulmer
    Sunday, July 1, 2018

    While it may seem counterintuitive that cash can be riskier than stocks or bonds it can be true depending on your timeframe and liquidity needs.  First, let’s discuss the expected returns of stocks, fixed-income (or bonds), and cash relative to inflation. For most investors, they wish to maintain their lifestyle in retirement, but the silent and slow threat of inflation often prevents them from living their best life.

  • "Ask the Investor: What should investors expect from the stock market in 2018?”

    By: Ryan T. Fulmer
    Sunday, January 7, 2018

    The last twelve months for the stock market have been terrific with most major indices having increased in value by around 20%. Many clients are asking whether we expect the stock market to continue to rise in 2018 and how tax reform will affect the economy.

  • Ask the Rational Investor: “Are consumer staple stocks such as Coca-Cola, General Mills, and Procter and Gamble still safe stocks?”

    By: Ryan T. Fulmer
    Sunday, June 3, 2018

    Over the last twelve months, the consumer staple sector of the S&P 500 has declined by 12%. With the broad stock market having appreciated by a few percentage points so far this year, this group of stocks has significantly underperformed.

  • Ask the Rational Investor Question: “Which asset class is the most distorted from low-interest rates?”

    By: Ryan T. Fulmer
    Friday, May 4, 2018

    Bubbles do not repeat, but they often imitate, and the seeds from one crisis often lead to the next.  Since the Global Financial Crisis (GFC) in 2008-2009, governments have reduced interest rates to nearly zero percent.  In many cases, they executed additional measures such as quantitative easing (QE) because it was the only medicine available to central bankers.

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  • Investment Outlook - First Quarter 2018

    By: Beese Fulmer Team
    Sunday, April 1, 2018

    Deflategate, Brian Williams’ slightly exaggerated war stories, OSU’s victory in the first college football playoff, David Letterman’s last appearance as host of Late Show; these are a small sampling of popular events gracing the headlines around the same time we had our last down quarter in the stock market. That is right; we have not been in this position since 2015. It is easy to become accustomed to extended periods of rising stock prices with low volatility, so it can be helpful to take a step back and put things into context. 

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  • Ask the Rational Investor Question: “I have read about a less invasive method for heart surgery called transcatheter valve replacement (TAVR), are any publicly-traded stocks involved?”

    By: Ryan T. Fulmer
    Sunday, April 1, 2018
    In the last few years, an increasing number of news articles focus on a procedure called transcatheter aortic valve replacement (often referred to as TAVR), which has the benefits of being less invasive than traditional open heart surgery leading to fewer complications and faster recoveries.
     
    Dr. Toby Cosgrove, the former CEO and President of the Cleveland Clinic, created many of the patents used as part of the procedure. Dr. Cosgrove earned an international reputation as one of the most accomplished heart surgeons in the world by performing over 22,000 operations.
     
    Publically-traded Edward’s Lifesciences (EW), a leader in mitral and aortic valve repair and replacement, purchased many of his patents.
     
  • Ask the Investor Question: "Who is Warren Buffett and why do investors follow him so closely?"

    By: Ryan T. Fulmer
    Sunday, March 4, 2018

    For over 50 years the 85-year-old billionaire investor and CEO of Berkshire Hathaway, Warren Buffett, has generated wealth for his investors at nearly twice the annual rate of the S&P 500. To many, this has earned him the title “The Oracle of Omaha.” 

  • Is Your Bank Trust Department Costing You Millions?

    By: Nick Perini
    Friday, February 16, 2018

    Is Your Bank Trust Department Costing You Millions?

    The hallowed walls of a bank trust department may seem intimidating to many clients.

    Maybe the bank was hired by your parents or grandparents to manage the family assets. Alternatively, maybe the bank was recommended by your attorney after you came into a substantial sum of money.

  • Investment Outlook - Fourth Quarter 2017

    By: Denny Fulmer, CFA
    Wednesday, January 17, 2018

    Understanding Federal Reserve policies can be agonizing for people regardless of their understanding of the financial industry. To offer some clarity, we review the historical parallels between the Great Depression of the 1930’s and the Recession in 2008.

  • Investment Outlook - Fourth Quarter 2017

    By: Tyler Smith
    Wednesday, January 17, 2018
    Market Recap and Review
     
    The Market Keeps Going – What Can Get in its Way
     
    Goldilocks looks to have prevailed. The story throughout the year has been one of respectable economic expansion, low inflation, and continued accommodative monetary policy. The [“not too hot, not too cold”] combination of these factors, alongside a subdued level of volatility, worked to provide a solid backdrop for the markets in 2017. Furthermore, 4Q ended on a strong note driven by renewed optimism around the positive implications from tax reform for both corporations and individuals.
     

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Our WEALTH PROFILE helps us gather the type of information we've found essential in establishing who you are…where you want to go…and how you want to get there.
  • We start with basic background information about your assets and objectives.
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  • We determine your attitudes and behaviors concerning the market, a meaningful guide to your favored portfolio philosophy.
  • The final section characterizes your personality in general terms and relating to finances.
Before proceeding, think about your total wealth; not just your investments, but your real estate, bank accounts, business assets, and insurance. These are all part of your total wealth picture.

While we specialize in the investment piece, we will take other assets into account in order to build a portfolio that best complements these assets.

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Recent Articles
  • Ask the Rational Investor: “Isn’t holding cash a lot safer than stocks or bonds?”
    Sunday, July 1, 2018

    While it may seem counterintuitive that cash can be riskier than stocks or bonds it can be true depending on your timeframe and liquidity needs.  First, let’s discuss the expected returns of stocks, fixed-income (or bonds), and cash relative to inflation. For most investors, they wish to maintain their lifestyle in retirement, but the silent and slow threat of inflation often prevents them from living their best life.

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