Redefining Human Capital

Contributed by Lewis J. Walker, CFP® What is “human capital”? You tend to think of your financial capital, your investment portfolio, in terms of financial assets like bank accounts, stocks, bonds, real estate, etc. Human capital sometimes is described as the lifetime money you will earn from work. Dictionary.com defines human capital as “the collective skills,…

Dealing With Market Volatility

Contributed by: Lewis J. Walker, CFP® Outside of government agency guaranteed savings or insurance company guarantees, market volatility is a fact of life. Take the stock market. Volatility is normal and must be considered in framing your personal Investment Policy. Since we can only theorize the future but not predict the future, expecting and learning…

The 100 Day Syndrome

Contributed by: Lewis J. Walker, CFP® The stock market is not an escalator. Escalators are predictable, offering a smooth ride with the end point visible at the top. Of course, being mechanical, escalators can break down, malfunction, even cause serious injury. The stock market is not mechanical or precisely predictable, despite a constant quest to…