A Word from the Investment Department: Should I Own Company Stock?

Many companies as part of their retirement plan options allow for employees to buy company stock, whether through their 401(k) plan, and Employee Stock Options Plan (ESOP), stock options, Employee Stock Purchase Plan (ESPP), or through restricted stock units (RSUs). While this can be an attractive way to “invest in what you know” there are …

When Should I Change My Asset Allocation?

One of the most important decisions any investor makes is what their asset allocation should be. B&C Financial Advisors works with our clients to arrive at the appropriate asset allocation based on their circumstances and goals. We are often faced with the question from clients of whether to change their asset allocation and, if so, …

Happy New Year!

We are welcoming in a new year, and everyone is forecasting what lies ahead. As we all know, a forecast is just a prediction of what we think will happen in the future. Unfortunately, nobody has a crystal ball to help us with our investment decisions. The future is not set in stone. Market returns …

How to Diversify Your Assets in Fixed Income

In a previous post, we discussed how to diversify one’s assets in equities.  B&C Financial uses a top down approach to invest in companies across many different industries, which gives you a small amount of exposure in each of those industries to ultimately achieve proper diversification. Now we will discuss how to diversify your assets in fixed …

How to Diversify Your Assets in Equities

Diversification, it is a term we often hear thrown about to explain how one can properly protect their investments.  How many times have you heard someone say “I don’t want to keep too many eggs in one basket”?  What they are talking about is being diversified.  Many people feel if they invest their money with …

What’s the Story on Mutual Funds?

Mutual funds have been around for years and were created to allow small investors to have their money professionally managed in order to diversify and protect their savings. The funds allowed investors, who were just getting started, to put money away without taking on high risk.              Most company retirement plans utilize mutual funds as …

The Importance of Asset Allocation

In the world of investing, people often want to know what the best investment is for them. The answer is not only what to invest in, but more importantly how to invest. There are many ways to invest money, but ultimately most investments in the financial world come down to stocks and bonds. People who …