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What We Need Now Is a Nice Normal Bear Market |
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In this month’s edition Nick's message is the most fundamental belief in our system: namely that the market cannot be timed. Specifically, that no matter how grotesquely you may think the current market is overvalued, overbought and/or overdue for a serious setback, you will not gain an advantage over it by getting out.
Because then you have to be right twice. First, you have to be getting out at the right time. Then – infinitely trickier – you have to get back in at the right time. The odds against your being able to do both are staggering. And the consequences of your failing may include permanent harm to your entire financial plan.
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MICHAEL'S 2026 MID-END CLIENT LETTER |
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My 2026 Year-End Client Letter to you is divided into two parts. First is a brief recap of our shared investment philosophy; second is my perspective on the current market. |
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A hunting dog mindset to investing |
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Youtube - June 25, 2026 - 25 minutes |
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What does it take to stay ahead in a world of constant disruption? For Harold La, an equity portfolio manager, it’s not about predicting the future, it’s about putting yourself in a position to see change early, build conviction and stay with it over time.
After nearly three decades investing across global markets, Harold shares an active approach built on getting beyond the screen — sourcing ideas firsthand, meeting companies on the ground and leaning into parts of the market others may overlook. |
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How relentless focus sets Broadcom's CEO apart |
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For Hock Tan, Broadcom’s CEO, obsessive focus is the foundation of how the company operates, from capital allocation and acquisitions to leadership accountability at scale.
This conversation breaks down that discipline in action, including:
- An acquisition framework
Where real constraints exist in AI infrastructure
Why you should build a skill set, not a career
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If you're MARRIED but filing SEPARATE, can you and/or your spouse contribute to an IRA? |
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- Yes, but only if your income (MAGI) is below $10,000.
- Yes, but only if your income (MAGI) is over $10,000.
- No.
- Yes, same rules apply as to those filing jointly.
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Answer = Choice 1: Yes, but only if your income (MAGI) is below $10,000.
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MONEY MEMES AND A LITTLE HUMOR |
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With over 37 years in the industry, I’ve cultivated a broad network of professionals. If you need guidance on estate planning, living trusts, wills, taxes, bookkeeping, mortgages, real estate, reverse mortgages, notary services, health or car insurance, or even traffic violations, I'd be happy to introduce you to an expert.
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Michael Paulding Thomas
Financial Advisor, Registered Representative, Securities Principal. Series 6, 26, 63, 65, Life
Since 1989 I’ve been helping families make smart choices about building a guaranteed income during retirement.
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Retirement Planning • IRAs • 401k's • Rollovers • Mutual Funds • Variable Annuities • College Planning • Term Life Insurance • Living Trusts |
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