• • Rewind 2025
  • Themes for The New Year
  • Portfolio Research & Changes Ahead
  • Firm Updates
  • Client Q&A

This year’s Investment Outlook is available to watch below:

The post Austin Asset’s 2026 Investment Outlook Webinar appeared first on Austin Asset.

• Budgeting
• Saving
• Building Credit
• Investing

Watch the webinar by clicking below:

The post Austin Asset’s 2025 Personal Finance for the Next Generation Webinar appeared first on Austin Asset.

• 2025 Halftime Report
• Asset Location & Tax Considerations
• Research Initiatives
• Client Questions & Answers

The post Austin Asset’s 2025 Mid-Year Update Webinar appeared first on Austin Asset.

• • 2024 Investment Landscape in Review
  • Portfolio S.W.O.T. for The New Year
  • Planning Opportunities in 2025
  • Your Questions – Answered
  • Austin Asset Updates

The post Austin Asset’s 2025 Investment Outlook Webinar appeared first on Austin Asset.

• Market Review and Economic Drivers
• Risks (and Opportunities) for Remainder of the Year
• Impact of Presidential Election, Geopolitics, A.I., The Fed, and more….
• Austin Asset Updates

The post 2024 Mid-Year Update Webinar appeared first on Austin Asset.

• Global Financial Market Review
• Forward-looking Investment Prospects
• Planning Opportunities in 2024
• Austin Asset Updates

A recording of the webinar is available to watch below:

The post 2024 Investment Outlook Webinar appeared first on Austin Asset.

• Global Market Update
• Drivers of Returns Over Time
• Recent Financial System Stress
• Austin Asset Internal Updates

A recording of the webinar is available to watch below:

The post 2023 Mid-Year Outlook Webinar appeared first on Austin Asset.

• Assessing Global Markets After a Challenging Year
• Economic Crossroads: Interest Rates and Inflation
• Looking Ahead in the Markets: 2023 & Beyond

A recording of the webinar is available to watch below:

The post Austin Asset’s 2023 Outlook Webinar appeared first on Austin Asset.

• Update on Global Markets
• Investing Amid Economic Uncertainty
• Planning for Higher Inflation
• Opportunities in Volatile Markets

The post Austin Asset’s 2022 Mid-Year Update Webinar appeared first on Austin Asset.

The post Charitable Giving in 2021 appeared first on Austin Asset.

Are you a better-than-average driver? Chances are, you answered yes. That’s because nearly 3/4 of people think they are better than average drivers. Besides being mathematically impossible, this statistic is an example of overconfidence and is just one illustration of how certain biases can influence our thought patterns.

In this video, we’ll take a look at the three most common behavioral biases that can impair our investment decisions.

The post Understanding Behavioral Finance appeared first on Austin Asset.

Luckily, there are steps you can take to protect yourself against identity theft and reduce the damage when it happens.

The post Authentic Advice Video: Protect Yourself From Identity Theft appeared first on Austin Asset.

It goes without saying that retirement is a major transition, and that post-retirement will look different than the pre-retirement phase of your life. To address that, you’ll need to piece together a steady stream of income from different retirement sources. In today’s video, we will break down those sources and how they might fit into your overall retirement plan.

The post Authentic Advice Video: Understanding Your Retirement appeared first on Austin Asset.

The post Authentic Advice Video: 4 Smart Money Moves for 2021 appeared first on Austin Asset.

The post Authentic Advice Video: Money Questions appeared first on Austin Asset.

Will Wike, CFP® answers a question that we get frequently:

“How do I prepare for retirement?”

In this Authentic Advice video, we explore retirement readiness.

The post Authentic Advice Video: Retirement Readiness appeared first on Austin Asset.

The post Authentic Advice Video: Client Observations appeared first on Austin Asset.

Two Rebalancing Strategies

Over time, the ups and downs of financial markets can change the profile of your investment plan, leaving you with more risk than you would like, or less growth potential than you need.  Both of which can be detrimental to your long-term financial plan.

When we return, I will share with you two methods for rebalancing your portfolio and which of these we utilize at Austin Asset.

Welcome back.  There are two main methods used to rebalance portfolios: periodic rebalancing and tolerance band rebalancing.

And, just like an investment philosophy, regardless of the method you choose, the real benefit is realized when you commit to doing it.

First, let’s discuss periodic rebalancing and its relatively simple nature.  You pick an arbitrary period of time, say quarterly, or annually, and this is when you look at your investments and determine what needs to be bought and what needs to be sold to get back to the target weight.  One note: in times of large market movements your portfolio can move significantly away from its target allocation.  In doing so, you can be exposed to potentially more risk or less growth potential between rebalance periods.  Not ideal.

The other approach is tolerance band rebalancing and it is a bit more intensive than periodic rebalancing.  It requires a formulaic approach that demands frequent monitoring.  Instead of choosing a set time to rebalance, you do so when your asset allocation changes by a specific percentage or threshold of change.  This allows your portfolio to be consistently exposed to the asset classes you are targeting in the amount your plan calls for. (This is what Austin Asset does).

In conclusion, regularly rebalancing your portfolio can help you focus on the big picture and keep your goals and risk tolerance in line with your plan.  If it has been a while since you have rebalanced your portfolio, give us a call.  We would love to provide a second opinion.

For Austin Asset, this is Clayton Boone.  Stay safe and stay connected.

The post Authentic Advice Video: Rebalancing Strategies appeared first on Austin Asset.

What’s your disaster plan?

Many of us are feeling the financial and operational shocks of Covid-19.  A couple of years ago we went through ‘disaster’ planning, also known as ‘contingency’ planning, and we still do it every year.

While we could not have predicted what would or could cause us to move the firm to a virtual setting for a prolonged period, we were ready.

When we return, I will discuss three high-level questions to ask yourself when disaster planning to prepare you for the future, whether it is another pandemic, the loss of a key employee, or some other unforeseen disaster.

Welcome back…let’s dive right in.

When disaster planning, the first thing to ask yourself is what are the biggest risks your business faces?

For example, if a data breach could be crippling to your business, what are the measures you can take to mitigate this threat as well as back up information?

Next, make a disaster plan.  For example, if your business was not considered essential, you likely moved to a virtual environment.  Take time to create operating procedures for how you are keeping employees safe and your expectations for working at home.  Include a communication strategy in your disaster plan for notifying employees, customers, vendors in the event of an emergency.  And decide who is responsible for contacting them before, during, and after.

Lastly, learn about assistance programs.  Even if you are well insured and have a great plan, recovering from a disaster can be difficult.  Identify resources that can provide support and aid to help you rebuild.  For example, when the CARES Act came out, we at Austin Asset not only worked with our clients but reached out to the community to see what we could do.

In closing, by taking the time and the proper steps to prepare,  you can feel confident you are doing what you can to protect yourself, your employees, and your business from the worst-case scenario of a disaster plan.

From your friends at Austin Asset, stay connected, and stay safe.

The post Authentic Advice Video: Disaster Plan appeared first on Austin Asset.

Are you a better-than-average driver? Regardless of what my wife says, I know I am, and chances are you think you are too.  That is because nearly three-quarters of people think they are better-than-average drivers.  Besides being mathematically impossible, this statistic is an example of overconfidence—and is just one illustration of how certain biases can influence our thought patterns.

When we return, we will look at three of the most common behavioral biases we see when working with investors, Anchoring, Recency Bias, and of course, Overconfidence.  And believe me, we all fall victim to them at some point.

Welcome back, let’s dive right in…

Let’s first discuss anchoring.  Anchoring is when you assign too much weight to a convenient baseline piece of information, ignoring future information that does not align with the anchor.  We see this with investors and ‘all-time market highs.’ People are anchoring to the current all-time high, thinking this is the ceiling.  By definition of compound growth, markets continue to touch new highs over time. Otherwise, the expectation is that future corporate cash flows are always flat or declining.  Just being aware of this bias is one step in avoiding it.

Next, let’s talk about Recency Bias.  Recency bias can lead to putting too much emphasis on the latest information – and often ignoring other important data.  We see this with investors during volatile or declining markets.  Investors look at recent market performance and events and extrapolate this over the long haul, ignoring long term trends in the market which have rewarded investors.

Last, I want to discuss overconfidence.  However, don’t confuse this with confidence.  Confidence is useful and, in many cases, necessary.  For example, it takes confidence to stand in front of this camera.  Overconfidence, however, can be dangerous.  We commonly see this in investors who have had recent success with a hand full of individual stocks.  This bias can cause these investors to feel they have more information than they really do, which can lead them to make emotional decisions in response to market moves.  Such as timing.  And while not impossible, a majority of people do not succeed over the long term with this strategy.  Try tracking ALL of your investment decisions to see if you really are consistently achieving the returns you think you are.

At Austin Asset, we sometimes joke we are therapists with spreadsheets.  And, if you are seeing these biases play out for you, give us a call and come sit on our couch.

Till next time, this is Clayton Boone for Austin Asset.  Stay safe and stay connected.

The post Authentic Advice Video: Behavioral Bias appeared first on Austin Asset.