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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 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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  • 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.
  • 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?


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Recent Articles
  • Nike stock doing well, but be aware of trends
    Friday, June 7, 2019

    Over the last few years, Nike has shifted its strategy from distributing products widely through wholesalers to selling its products through Nike-owned retails stores, the company website, and retail accounts. A great example of Nike’s strategy can be seen at Dick’s Sporting Goods in the dedicated Nike section called “Nike Fieldhouse”.

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