Archive for In the News

I Was Promoted by an Ass!

Financial Planner

I was thrilled to be named one of Credit Donkey’s Best Investing Blogs for 2016:

With so many investing sites out there clogging the Internet with fluff and unclear directives, you can easily get lost. We help you find your way by featuring the very best investing blogs and resources that can help you make smart choices with your hard-earned money.

Why Sullivan Financial is a Top Investing Blog: Though it’s packed with plenty of great financial planning tips, it’s the simple, clear language of this blog’s stock market content that makes it a great read for investment rookies.

 

Wait…who did you think I was talking about?

CNBC.com Quotes Kristi about 401(k)s!

Roth IRA

During the excitement that comes with taking a new job, make sure you don’t forget about the retirement money you socked away in your former employer’s 401(k) plan.

“People in their working years tend to switch jobs a lot and can lose touch with their [accounts],” said Kristi Sullivan, a certified financial planner and owner of Sullivan Financial Planning. “That can get messy after several job changes.”

Click here for more….

Election Day is Coming! Are You Panicking About the Stock Market?

Well, another Election Day is coming up and I am thrilled.  Why?  Is it because I am SO excited about the two potential candidates that I can’t wait to cast my vote?  Not exactly.

 

The benefit of Election Day to all investment advisers is that hopefully for the next 3 ½ years we can get a break from people asking how I think the election will affect the stock market.  The answer is I don’t know and neither do all of these so called experts on TV making predictions.

 

For those of you who find comfort in numbers, here are some historical facts around elections, parties in power, and stock market returns as measured by the S&P 500:

  • Presidential Election Years: +7.4%
  • Incumbent Party Wins (doesn’t matter what party!): +14%
  • Incumbent Party Loses (ditto): -4.4%
  • Democrats Win: +4.3%
  • Republicans Win: 3%

 

The above returns are just one year numbers and, they are in a vacuum.  What about if the incumbent party is Democrat and the Republicans win, and of course, it’s a Presidential Election Year?  Will the stock market return 7.4%-4.4%+10.3% = 13.3%?  Who knows?

 

Here is another favorite topic of debate:  What political party is better for the stock market?  Again, there isn’t a very clear answer because it’s not just about who is President, but also who is controlling Congress.  And it’s probably not caused by either factor, but what is happening in the world economy at any given time.

 

Below are average annual returns of the S&P 500 from 1901-2016 in different political climates:

  • Democratic President/Republican Congress: +8.6%
  • Republican President/Democratic Congress: +2.4%
  • White House/Congress controlled by the same party: +7.1%
  • Democratic President/Split Congress: +10.4%
  • Republican President/Split Congress: -4.3%

 

How helpful is this information to helping you make investment decisions in an election year.  Not at all helpful!!  Since Congressional elections happen every two years in some form, these combinations of Presidents/Congress are constantly in flux.

 

Here is what you can do in an election year and all other years:

  • Have a well-diversified, low cost portfolio
  • Don’t try to time the market – stay the course through ups AND downs
  • Save, save, and save more
  • Control your spending and don’t go into debt buying elephant or donkey buttons

 

Special thanks to MFS Investments for the fantastic study that I quoted in this blog.  Click here for the whole thing.

How Does the Election Affect Your Portfolio?

Well, another Election Day is coming up and I am thrilled.  Why?  Is it because I am SO excited about the two potential candidates that I can’t wait to cast my vote?  Not exactly.

 

The benefit of Election Day to all investment advisers is that hopefully for the next 3 ½ years we can get a break from people asking how I think the election will affect the stock market.  The answer is I don’t know and neither do all of these so called experts on TV making predictions.

 

For those of you who find comfort in numbers, here are some historical facts around elections, parties in power, and stock market returns as measured by the S&P 500:

 

  • Presidential Election Years: +7.4%
  • Incumbent Party Wins (doesn’t matter what party!): +14%
  • Incumbent Party Loses (ditto): -4.4%
  • Democrats Win: +4.3%
  • Republicans Win: 3%

 

The above returns are just one year numbers and…they are in a vacuum.

 

What about if the incumbent party is Democrat and the Republicans win, and of course, it’s a Presidential Election Year?  Will the stock market return 7.4%-4.4%+10.3% = 13.3%?  Who knows?

 

Here is another favorite topic of debate:  What political party is better for the stock market?  Again, there isn’t a very clear answer because it’s not just about who is President, but also who is controlling Congress.  And it’s probably not caused by either factor, but what is happening in the world economy at any given time.

 

Below are average annual returns of the S&P 500 from 1901-2016 in different political climates:

 

  • Democratic President/Republican Congress: +8.6%
  • Republican President/Democratic Congress: +2.4%
  • White House/Congress controlled by the same party: +7.1%
  • Democratic President/Split Congress: +10.4%
  • Republican President/Split Congress: -4.3%

 

Now, how helpful is this information to helping you make investment decisions in an election year?

 

Not at all helpful! 

 

Since Congressional elections happen every two years in some form, these combinations of Presidents/Congress are constantly in flux.

 

Here is what you can do in an election year and all other years:

 

  • Have a well-diversified, low cost portfolio
  • Don’t try to time the market – stay the course through ups AND downs
  • Save, save, and save more
  • Control your spending and don’t go into debt buying elephant or donkey buttons

 

Special thanks to MFS Investments for the fantastic study that I quoted in this blog.  Click here for the whole thing.

Kristi was quoted in this article about Calming the Worst Fears of Women Retirees

Worst Fears of Women Retirees

Wow, how did I never see this before?  This article about women retirees is has been out there for a year and has lots of my quotes.  Fair warning ladies, it’s a little depressing, but has some good info.  http://www.thinkadvisor.com/2015/03/18/calming-the-worst-fears-of-women-retirees

 

Contact me at

303-324-0014 or kristi@sullivanfinancialplanning.com to talk about how I can help you achieve your financial goals.


Stay Informed and Educated — Subscribe to the SFP Blog! Use the quick and easy form to the right of this article.

Triage Cancer Blog quotes Kristi Sullivan on how to find a financial planner

Here is a handy article by yours truly on the Triage Cancer Blog about how to find a financial planner.

Here is a handy article by yours truly on the Triage Cancer Blog about how to find a financial planner.

http://triagecancer.org/blog/how-do-i-find-a-financial-planner/

 

Contact me at

303-324-0014 or kristi@sullivanfinancialplanning.com to talk about how I can help you achieve your financial goals.


Stay Informed and Educated — Subscribe to the SFP Blog! Use the quick and easy form to the right of this article.

Kristi is quoted on receiving an inheritance from your parent in NBR.

inheritance from your parent

I’m excited to be quoted in this article by Shelly Schwartz in nbr.com about boomers not wanting (or being able to) leave an inheritance for their kids.

Do you think you’re in the will? Well, guess again

Contact me at

303-324-0014 or kristi@sullivanfinancialplanning.com to talk about how I can help you achieve your financial goals.


Stay Informed and Educated — Subscribe to the SFP Blog! Use the quick and easy form to the right of this article.

Kristi Sullivan quoted on Getting the Best Retirement Plan by Bloomberg

Best Retirement Plan

Well, it’s not a big quote, or super-intelligent for that matter, but I’ll take any quote in Bloomberg.

http://www.bloomberg.com/news/articles/2015-04-30/a-job-hunter-s-guide-to-getting-the-best-retirement-plan

Contact me at

303-324-0014 or kristi@sullivanfinancialplanning.com to talk about how I can help you achieve your financial goals.


Stay Informed and Educated — Subscribe to the SFP Blog! Use the quick and easy form to the right of this article.

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