There is so much uncertainty today… The Coronavirus continues The new administration’s agenda and Biden’s numerous executive orders Continued massive borrowing of money to overcome the impact of the Coronavirus and how could this ultimately create high inflation and higher interest rates And then last week, out of nowhere, Reddit users manipulated the price of […]
State of the Company I hope this commentary finds you doing well as we all get settled into the new year. All the CIS staff is doing great and fortunately no one has gotten the coronavirus yet. We continue to be extremely careful by socially distancing ourselves from each other and fully utilizing online technologies [...]
By Bob Barber, CWS® Proverbs 21:5 “The plans of the diligent lead to profit as surely as haste leads to poverty.” The Rule of 72 is a mathematical formula I think everyone needs to know and understand when it comes to investing. This rule is extremely powerful and can be used to determine how often [...]
We’ve included a section from Bob’s Bible study, “Biblical Viewpoints of Money and Wealth”, on secular and biblical counsel. We encourage you to take a look, get out your Bible, and fill out the questions below! Plans fail for lack of counsel, but with many advisers they succeed. PROVERBS 15:22 What does Proverbs 15:22 say [...]
Bear markets cause panic as the sell off period causes people to believe it’s different this time and the markets will never come back. So, those who panic sell to those who know it’s NOT different, and it will come back. After bear markets, the markets have always gone on to new highs. What makes [...]
“The Cycle Of Market Emotions” is a chart we share during times of heightened volatility as a great reminder that the performance of the markets is cyclical, and emotions tend to be cyclical with it. We hear people say, “I’ve lost X amount!” when their account’s performance is down. However, it’s so important to remember [...]
By Bob Barber March brought an unexpected and unprecedented market adjustment created by fallout from the unexpected arrival and spread of the coronavirus. None of us know if the economy will have a “V shaped recovery” (it will go up as quickly as it went down) once we get past the Coronavirus, a “U shaped [...]
The earth is the Lord’s, and everything in it, the world, and all who live in it. Psalm 24:1 (NIV) WHO WE ARE We are a values based and fiduciary driven firm offering financial planning & advice, retirement planning, and investment management. We use a comprehensive team approach consisting of Registered Investment Advisors and financial [...]
By Bob Barber, CWS®, CKA® A new year always gives us a fresh opportunity to accomplish the many things we have been meaning to do, but have been putting off. Do not feel alone, as we all tend to procrastinate when it comes to some things! It’s very easy to put off important things that [...]
By Mary Jo Lyons, CFP® A friend recently asked me “exactly how does the Bible address financial planning and investment management principles?” I provided a short summary of the principles below but my response was not as polished as it should have been. I vowed to be able to answer this in a more thoughtful [...]
