THM Wealth Management

THM Wealth Management Search WealthMetrix for metrics into prudent financial planning, asset allocation, and investment management.

I’m not a pet guy, but I have found my favorite dog!
10/30/2024

I’m not a pet guy, but I have found my favorite dog!

10/06/2022

Boost yields with a cash management system. Maintain 3-6 months of bills in checking for regular expenses. Link a FDIC-insured high yield savings accounts (HYSA) offering a 2%+ yield to your checking account. Look for HYSA's with no fees, no minimum balance requirements, unlimited deposits and 6+ withdrawals per month; this is a reserve account not a checking account!
The US Treasury Direct website offers i-bonds with very good yields given the current rising interest rate environment. Know the purchase and redemption features of i-bonds.
Don't forget those cash value life insurance policies you purchased or given to you by your parents. They offer better-than-bank yields and tax-deferred.
When all reserve layers are prudently funded, consider a portfolio of tax-free municipal bonds, mutual funds or ETF's along with dividend paying stocks from quality companies with a history of consistently paying, and growing dividends.

09/20/2022

Candidates are already jockeying for position as the U.S. Presidential elections begin to gear up. Of course the parties will bemoan the other, what do you expect!
Per JP Morgan Asset Management, $10,000 invested in the companies comprising the S&P 500 index in 1937 is valued at $100,000,000 in 2021. Just let that sink in for a moment; a total return of 100 million dollars over 84 years from just 10 thousand dollars with no regard to "red" or "blue" partied-Presidents!
Given these facts, consider helping generations to come by taking advantage of 529 educational strategies, step-up in basis strategies and non-qualified stretch annuity strategies. Generally not fond of annuities however sure do like their generational planning capabilities.
Investors cannot invest directly in indexes. The performance of any index is not indicative of the performance of any investment and does not take into account the effects of inflation and the fees and expenses associated with investing. All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.

09/20/2022

JP Morgan Asset Management published that the average bull market return since July, 1926 is 162%, averaging 51 months in duration. From peak-to-trough, the average bear market return is -41% since July, 1926, lasting 20 months in duration. The bulls have been winning!

09/20/2022

In their 3Q/2022 Guide to the Markets, JP Morgan Asset Management published numbers to questions we have received this year. The S&P index peaked in January, 2022. Here it goes; the index will need a 21% gain to return to that level in one year, or two 11%'s over two years, three 8%'s over three years, four 6%'s over four years or average 5% for the next 5 years. Considering the rolling 20-year average for the index approximates 10%, looks like it will take slightly over 2 years.
Investors cannot invest directly in indexes. The performance of any index is not indicative of the performance of any investment and does not take into account the effects of inflation and the fees and expenses associated with investing.

09/19/2022

I do a fair amount of repairs and maintenance on my ICEV's. I read EV's have fewer parts, especially moving parts. A typical ICEV has 30,000 parts; an EV is half. An ICEV drivetrain has 200 moving parts; an EV 20. Tesla claims 17 in its drivetrain. Wow!

09/16/2022

Woodworkers of America! Rockler announced Undermount Slides to install on a drawer. Maybe this has been out for a while but news to this guy. Lining up slides to the left & right of a drawer is literally a balancing act to get it level. Now they can be attached under the drawer, up tight against the side, front and back of the drawer.
Ingenious and so simple, leave it to Rockler!

09/13/2022

Inflation, recession, stagflation...let's not worry about the latter before inflation has run its course. These are buzzwords being thrown around by sources whose sole purpose is to grab attention; it's working!
Today is a reminder inflation has not peaked, the Fed still has an economy to manage, not stock indexes, and raise rates to cool down inflationary flames.
Of course there will be some level of receding after peak inflation, it's inevitable; but to call it a full blown recession now is erroneous.
The FOMC and its 12 members will deliver glaring pivot points in the form of 1/4 point and 1/2 point revisions (versus 3/4 point revisions) to the overnight funds rate, the Fed's principal tool of monetary policy since the early 1990's.
As Chairman Powel stated, "we actually think we need a period of growth below potential in order to create some slack".
He also said in his remarks, there will be "some pain". Here come the needles!

Address

16475 Dallas Pkwy, Ste 840
Addison, TX
75001

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+19722677526

Website

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