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What Goes Up, Must Come Down? Not Necessarily.
I’m an early riser and I like to go to the gym before my family stirs from their beds. Recently, as I drove home afterward a workout, I began to think about the business day ahead. I had tuned in to...
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Letter to Clients: 3rd Quarter 2014
Dear Clients and Friends: You may have noticed that this quarter’s letter went out a bit later than usual. I was waiting until we had final confirmation. DV Financial will be moving before the first of...
View ArticleLetter to Clients: 4th Quarter 2014
Dear Clients and Friends: “Everything changes and nothing stands still” – Heraclitus 535 BC – 475 BC There has been a lot of change at DV Financial over the past quarter. To begin with we have...
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Open House – Come Celebrate!
Friendly reminder about our come-and-go Open House tomorrow, Nov 11th, from 4 p.m. – 7 p.m. Please join us for R&R (refreshments and relaxation) and to see our new office DV Financial – 2763 86th...
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Letter to Clients: 1st Quarter 2015
Dear Clients and Friends: Have you ever wondered what would happen to you, if something happened to me? I sure have. One of my clients was in the office preparing for retirement later this year when...
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Don’t Try This at Home – Outrageous Attempted Tax Deductions from 2014
It is that time of year again. Maybe it is an attempt to give their members some much needed comic relief, but every year the Minnesota Society of Certified Public Accountants releases a survey of the...
View ArticleLetter to Clients: 2nd Quarter 2015
“Would you tell me, please, which way I ought to go from here?” “That depends a good deal on where you want to get to,” said the Cat. -Lewis Carroll Dear Clients and Friends: Developing a clear...
View ArticleLetter to Clients: 3rd Quarter 2015
Dear Clients and Friends: Remember when it was so cold at the beginning of the year? As the mercury reaches the top of the thermometer, it is hard to remember when we never thought it would rise off...
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Up Down All Around
A week ago the Dow was over 17,500. By Thursday it closed under 17,000. Friday saw it drop below 16,500 and yesterday closed below 16,000. It is pretty clear than soon we will be in calamity and ruin…...
View ArticleLetter to Clients: 4th Quarter 2015
Dear Clients and Friends: I find it interesting when hear people complain about the weather. One of the many reasons I choose to live in Iowa is the changing climate. I think it would be boring if...
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Best Practices: Protecting Your Identity Online
This week the IRS released their Security Tax Tip Number 7 with some excellent cyber security practices: Give information over encrypted websites only – look for https at the beginning of the web...
View ArticleLetter to Clients: 1st Quarter 2016
“The stock market is the story of cycles and of the human behavior that is responsible for overreactions in both directions” – Seth Klarman “In the old legend wise men finally boiled down the history...
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Understanding Suitability vs Fiduciary
The financial industry is on the edge of their seats. The Department of Labor is expected to release new rules which would govern the standard under which financial transactions must comply. Currently,...
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Letter to Clients: 2nd Quarter 2016
“Economists are pessimists: they’ve predicted 8 of the last 3 depressions” – Barry Asmus “The only function of economic forecasting is to make astrology look respectable” – J K Galbraith Dear Clients...
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Letter to Clients: 3rd Quarter 2016
“Democracy is the worst form of government, except for all the others” – Winston Churchill “Economic freedom is … an indispensable means toward the achievement of political freedom” – Milton Friedman...
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Election and Economy
Even in December 2015, reputable sources such as the Wall Street Journal and the Brookings Institute were publishing articles about how the 2016 election may be the most important of our lifetime. The...
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Letter to Clients: 4th Quarter 2016
Dear Clients and Friends: In many ways, autumn is my favorite time of the year. I find the cool crispness of the weather refreshing, the excitement of a new football season invigorating, and we will...
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Letter to Clients: 1st Quarter 2017
Dear Clients and Friends: Happy New Year! Social media has been filled with the undertone that 2016 was not a good year. Perhaps in some ways it wasn’t. Sometimes I wonder if so much additional...
View ArticleLetter to Clients: 2nd Quarter 2017
Dear Clients and Friends: Spring is a time of renewal as we leave the dreary cold of winter behind to enjoy the warmth and hope of brighter days ahead. And taxes; let’s not forget about taxes. It is...
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Should you choose DV Financial for your needs?
The Certified Financial Planner Board of Standards, Inc., which is the certifying authority for CERTIFIED FINANCIAL PLANNERTM professionals and the CFP® designation, offers a great article about How...
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