3 Steps to Improve Your Credit Score

3 Steps to Improve Your Credit Score

Written by: Dennis Bielik, CFA®, FRM Credit scores will play an important part in many purchases you make throughout your life.  It may not appear to be a flashing neon sign hanging over your head as you stroll down the sidewalk as seen on TV, but it is flashing...
Market Commentary—December 2018

Market Commentary—December 2018

In our last commentary we discussed the importance of risk management for clients. Before October, we made two critical changes to our risk overlay models and began to take profits off the table along with reducing risk. Since then, we have lowered risk three...
Fixed-Income: Grab a Seat and Watch the Game Play Out

Fixed-Income: Grab a Seat and Watch the Game Play Out

Written by: Dennis Bielik, CFA®, FRM There is nothing more popular or prevalent than diversification and asset allocation in portfolio management. Whether you are an employee of the industry or an investor looking for a money manager, you cannot escape these terms....
4 Steps to Not Get Spooked by Holiday Volatility

4 Steps to Not Get Spooked by Holiday Volatility

Written by: Chris Jamail, CFP® & Dennis Bielik, CFA®, FRM Fall is back again. It’s a season defined by transition and change, like the leaves changing color (admittedly rare in Texas), the infamous reappearance of Starbucks’ Pumpkin Spice Latte, and the...
Emergency Savings

Emergency Savings

In 2017, 34% of American households experienced a major, unexpected expense – and only 39% of Americans said they would be able to cover even a $1,000 emergency. Every financial plan should start with an emergency savings – it’s the backbone, foundation, and buttress...
New 403(b) Rules Adopted by TRS

New 403(b) Rules Adopted by TRS

The Teacher Retirement System of Texas (TRS) was given authority by the Texas Legislature in 2001 to oversee 403(b) companies and products.  In our view, they have done an excellent job of fulfilling their responsibilities over the past 16 years while managing to...