News

Democracy is coming to the USA

One hot button topic I have tended to stay away from is politics.  I always considered this a personal matter, despite the fact that selecting our leaders has a huge bearing on the future direction of our country and potentially having a significant impact on our lives.  Recently, it has...
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Prince: Genius musician dies without a will

In my last newsletter, I wrote about the passing of several musicians this year, including Glenn Frey and David Bowie. Sadly, another great has passed away.  Prince’s music is loved the world over. While, I hope that the cause of Prince Nelson’s death will have a profound influence on the...
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We’re Moving

After 26 years in the UTC/La Jolla area, on August 1st, 2016, we are moving our offices to Cardiff-by-the-sea. Our new mailing address will be: 1315 Belleview Ave, Cardiff CA 92007. Our phone numbers and email address will remain the same. We understand the world is changing.  Traffic and other...
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Turn and Face the Strange Changes

“Changes, Turn and Face the Strange Changes” This lyric by seminal artist, David Bowie, seems to sum up the natural human struggle we have with change. My understanding is that by turning to face our strange changes we may be able to better deal with changes. Bowie, who recently passed...
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Intentional Conversations

On page one of her graphic memoir, Can’t We Talk About Something More PLEASANT?, New Yorker cartoonist Roz Chast describes her attempt to have an Intentional Conversation with her aging parents about mortality and preparing for the inevitable.   While sitting on a couch with her parents, Roz awkwardly raises...
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The Wild Wild West (and Ways to Protect Yourself Online)

According to the US Department of Justice, over 7% of all US residents age 16 or older are victims of identity theft every year. Cyber hackers and criminals are on the prowl to steal personal data and use it for personal gain. Phishing and the use of malware are two...
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Attention-Grabbing Headlines (and Other Hollow Promises)

Once a quarter, I write a newsletter intended to convey relevant, timely, useful and inspiring information and resources. This quarter, I penned an article about the equity market’s five-year run of appreciation without a major correction (as measured by the S&P or Dow Jones Industrial Average). I discussed the potential...
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2014 2nd Quarter Economic and Market Outlook

by Ron Veld In the second quarter of 2014, equity markets across the world continued the bull market that started in March 2009. After a slow start to the year, with mediocre equity returns in the first four months, equities rallied sharply in May and June. As a result, investors...
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Why a fee-only RIA model works for me and my clients

I recently completed my transition to a fee-only registered investment advisor (RIA) model of financial planning and investment advisory services.  For me, the journey has been one of finding ways to simplify my life and reduce conflicts of interest with clients.  Along the way, I discovered other reasons the RIA...
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Our Secret Sauce

Recently, HK Financial completed an important internal transition.  On the surface, the changes may be viewed as mostly affecting our back office, but we believe that the transition has profoundly affected how we view what we do. In short, the transition was from our affiliation with a Broker-Dealer to be...
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