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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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  • 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.
  • Investment Outlook - Third Quarter 2017

    By: Ryan T. Fulmer
    Tuesday, February 13, 2018

    After the Great Recession of 2008, many publicly traded companies have chosen to acquire companies as their management teams believe the acquisition path is less risky than spending capital on new and unproven products or offerings. Acquisitions also theoretically offer a quick and easy method to grow sales, profits, and product offerings.

  • Investment Outlook - Third Quarter 2017

    By: Denny Fulmer, CFA
    Thursday, December 14, 2017
    Tax Reform Thoughts
    Investors are having serious doubts that tax reform will actually happen since efforts to repeal and replace the Affordable Care Act failed. Recently, the administration has released an outline of preferred changes, with the biggest modification being a reduction in the corporate tax rate. Since we have one of the highest rates among the developed countries we have seen some across-the aisle support for lowering corporate taxes. Proposed changes in the personal tax rates appear to be less significant, so perhaps this limited tax change will happen soon and be modestly favorable to the stock market. The word reform implies all-encompassing changes, which would be very difficult. Most pundits believe that the goal of tax reform is to stimulate the economy by lowering the marginal tax bracket. The theory is that high marginal tax rates discourage risky investments and efforts to work harder.
  • Investment Outlook - Fourth Quarter 2017

    By: Nick Perini
    Monday, January 15, 2018

    What once seemed improbable, if not impossible, is now a reality, and the markets have confidently voiced their opinion.  The performance of the equity markets since the presidential election reveals that investors believe the policies of President-elect Donald Trump are good for the American economy and American businesses. Stocks are up, bonds are down, and everyone is waiting to see what Donald Trump can do once he is sworn in on January 20.

  • Ask the Investor: I love Starbucks, but is it a good stock to own after the price dropped from $64 to $54?

    By: Ryan T. Fulmer
    Sunday, September 3, 2017
    Question: “I love Starbucks, but is it a good stock to own after the price dropped from $64 to $54?”
    Almost every morning around 6:15 on the way to the office, I’ll drive by Starbucks at Belden Village and get a large dark roast coffee. I’m not the only one either, as faces and cars look pretty familiar over time. I’m a promoter of Starbucks coffee and the brand, but what about the company’ stock?
  • Ask the Investor: Will the new CEO of General Electric ignite the stock price?

    By: Ryan T. Fulmer
    Thursday, October 5, 2017

    General Electric (GE) is one of the most widely-owned stocks in the S&P 500 with roots traced back to the Edison Lamp Company by American icon Thomas Edison in 1889. About ten years later, General Electric was listed as one of the original 12 companies in the Dow Jones Industrial Average consistently regarded as a “must own company” in the stock market.

  • Ask the Investor: Will Amazon disrupt the auto part suppliers like O’Reilly Automotive (ORLY)?

    By: Ryan T. Fulmer
    Sunday, August 6, 2017
    In our July, Ask the Investor, we were asked whether Amazon was an attractive investment as they have been disruptive to many industries. Indeed the specialty auto parts companies like O’Reilly Automotive (ORLY), Autozone (AZO), and Advanced Auto Parts (AAP) have significantly underperformed the broad stock market by about 40% over the last twelve months.
    Why have they underperformed the S&P 500 so drastically?
  • Ask the Investor: With the stock market up almost 9% year to date, what should investors expect for the remainder of the year?”

    By: Ryan T. Fulmer
    Friday, June 2, 2017
    Last December I wrote about the top two questions clients were asking after the Presidential election; one of which was “How will the stock market perform in 2017?
    At the time I wrote that, if corporate and individual tax reform occurred, the stock market may rise an additional 10% (2,200 up to 2,400), which is about where the S&P 500 currently trades. Most of the rise would be due to the price-to-earnings multiple expanding in anticipation of lower taxes.
    So, where do we go from here?


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Recent Articles
  • Focus on the Fundamentals
    Monday, July 16, 2018

    It sure is easy to find something to dislike in the market these days. Whether it is the threat of an international trade war, rising interest rates, or general political tension, the bears certainly seem to have the ammunition on their side.

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