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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: "Are insurance companies good investments?"

    By: Ryan T. Fulmer
    Wednesday, May 8, 2019

    At year-end 2018, Cincinnati Financial had 2,344 relationships in about 40 states. Once a new agency starts carrying Cincinnati Financials’ insurance, their market share of premiums written within the agency generally rises to an average of over 14% after ten years. As an investor, we appreciate the highly predictable revenue growth from expanding these relationships.  With 58 consecutive years of shareholder dividend increases, and a 2.6% dividend yield (as of early March, 2019) investors have multiple ways to grow their investment over the long-run.

  • 1Q19 Investment Outlook Value vs Growth

    By: Lynn Hamilton
    Tuesday, May 7, 2019

    Many investment managers view themselves as either Growth Managers or Value Managers.  Growth Managers invest in stocks which have a consistent record of growing earnings and revenues faster than the average company (or much, much faster than the average company).  Value managers tend to invest in companies which have cheap valuations.

  • 1Q19 Investment Outlook Tax Reform Worked

    By: Dennis S. Fulmer
    Tuesday, May 7, 2019

    The results are in and the dramatic reduction in the corporate income tax has increased investment as expected, at least as expected by its supporters. 

  • 1Q19 Investment Outlook Tech IPO

    By: Nick T. Perini
    Monday, May 6, 2019

    The first quarter of 2019 ended with the highly anticipated initial public offering (IPO) of Lyft. Lyft is a ride sharing company that is smaller but similar to Uber. Lyft is also the first of a number of technology IPO’s that will take place in 2019. 

  • 1Q19 Investment Outlook Recap

    By: Tyler J. Smith
    Monday, May 6, 2019

    Is good news good news, or is bad news good news?  What may seem like a straightforward question can be anything but, when it comes to the stock market.  

  • Ask the Rational Investor: “Should investors worry about Boeing’s 737 MAX issue?”

    By: Ryan T. Fulmer
    Monday, April 8, 2019

    Boeing’s 737 MAX is one of the most anticipated updates to the 737, which currently has an order backlog of over 4,600 aircraft, representing 78% of Boeing’s overall commercial aircraft backlog. Over the next 5 years, it is estimated that the MAX will represent approximately 33% of Boeing’s sales and almost half of Boeing earnings before interest and taxes (EBIT).

    Considering the significance of the MAX upgrade, it’s no surprise that stock prices have dropped from a recent high of $440 on March 1st, to $370 (3/27/19) after the Ethiopian Airlines crash and the eerily similar Lion Air crash.  The two incidents in conjunction caused the worldwide grounding of the airliner.

  • Ask the Rational Investor: "Is Wells Fargo & Company a long-term buy?"

    By: Ryan T. Fulmer
    Monday, March 4, 2019

    In 2016, Wells Fargo was fined $185 million for the creation of over 3.5 million fake accounts. The scandal was far reaching and resulted in the termination of 5,300 employees. John Stumpf, CEO, forfeited his 2016 salary, bonus, and stock awards which totaled over $40 million.

    Today, the scandal is gradually fading in consumer and investor minds and significant changes within the board and leadership team have hopefully remedied the underlying causes.

  • Ask the Rational Investor: "What happened to Diebold Nixdorf's stock price?"

    By: Ryan T. Fulmer
    Thursday, February 7, 2019

    Some investors might argue that Diebold Nixdorf’s management has been asleep at the wheel ever since rejecting United Technologies’ acquisition offer at $40 per share (or an enterprise value of $3 billion) in March 2008.

    It gets worse.  Over the last two years, Diebold Nixdorf’s (DBD) stock price has declined about 84%, around just $4 per share, compared to the S&P 500’s almost 15% rise. A dramatic return difference.

     
  • 4Q18 Investment Outlook - Greenspan II

    By: Lynn S. Hamilton
    Wednesday, February 6, 2019

    It has long seemed that there are a lot of interesting books on history and a lot of interesting books on economics, but few on economic history.  I strongly recommend “Capitalism in America”, a new book published this fall by Alan Greenspan and Adrian Wooldridge.  

  • Q418 Investment Outlook - Economic Growth Lessons

    By: Dennis S. Fulmer
    Wednesday, February 6, 2019

    This past October, my wife and I enjoyed traveling the Danube River, enjoying the historic cities and charming small towns. Through our education via tour guides, it was fascinating to hear about the transition of the Czech Republic, Hungary and Slovakia from Communism to Capitalism.   Shortly before we began our journey, I had read that Poland was the first nation from the former Soviet bloc to graduate from “emerging” status to “developed” status by the Financial Times and Stock Exchange, or FTSE.

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  • Ask the Rational Investor: "Are insurance companies good investments?"
    Wednesday, May 8, 2019

    At year-end 2018, Cincinnati Financial had 2,344 relationships in about 40 states. Once a new agency starts carrying Cincinnati Financials’ insurance, their market share of premiums written within the agency generally rises to an average of over 14% after ten years. As an investor, we appreciate the highly predictable revenue growth from expanding these relationships.  With 58 consecutive years of shareholder dividend increases, and a 2.6% dividend yield (as of early March, 2019) investors have multiple ways to grow their investment over the long-run.

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