Author Archives: James Osborne, CFP®

Tiny Steps

I have a bit of an obsession lately with the idea of incremental change and its cousin, compounding. It started about a year ago with a podcast that Patrick O’Shaughnessy did with (I think) Trish and James Higgins of Chenmark Capital. One of them brought up the idea of “incrementally better tomorrow” and it laid […]

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Insurance Premiums for a Nonexistent Death Benefit

It’s late 2017, and we’ve been riding a pretty stellar bull market in (at least) US stocks for over 8 years. Markets are up, and everybody is happy. You know who is really happy? Insurance companies that offer Variable Annuities. They are ecstatic. They are collecting a gold rush of revenue to protect a liability […]

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19 Questions

Jason Zweig recently wrote a piece titled “The 19 Questions to Ask Your Financial Advisor.”  I love Jason’s stuff and who doesn’t like lists?  So I thought I would take a run at answering some of these, and giving some commentary here along the way. So here we go! 1. Are you always a fiduciary, […]

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3Q 2017 Market Overview

Market Overview It is getting really hard to feel that I am not writing the exact same thing about the markets each quarter. But gains continue to roll in. The S&P 500 had a strong quarter, up 4.48% from June 30. Small cap stocks also had a good showing after weakness earlier this year, up 5.67%. […]

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Familiar Hard vs. Unfamiliar Hard

This weekend my wife ran the Run Rabbit Run 50 mile race in Steamboat Springs. It was her first race at such distance, and when she finished she said it was the hardest thing she’d ever done (“That was harder than childbirth” she said). I believed her. (For the record, my wife is an absolute […]

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Shame, Status and the American Dream

Something has been rolling around in my head for a while, and it’s about our house, our lifestyle and our appearance among peers. Our home is unimpressive. I love it, don’t get me wrong. We are very, very comfortable. It is way more than enough space for our family of 4. Right now we’re even […]

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2Q 2017 Market Overview

Market Overview It has been another solid, steady quarter in the markets since the end of March. US stocks both large and small posted strong positive gains of 3.09% and 2.46% respectively.  Tech continued to dominate with the Nasdaq posting gains of 3.87% over the last 3 months. Broad bond benchmarks were also again positive […]

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The IPO 10-Bagger Chase

It’s been 20 years since Amazon went public at $18 per share in 1997. The web today is littered with stories about how a small investment at the IPO would have turned us all into millionaires. These stories play on our most basic desires as investors: to have the once-in-a-lifetime shot at getting filthy, stinking […]

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Feature in Financial Advisor Magazine

I was pleasantly surprised to learn that I was nominated for Financial Advisor magazine’s “10 Young Advisors to Watch” piece in the May issue. I’m not sure I’m all that exciting to watch, but you can find the piece here: Young Advisors To Watch  

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This is the easy part

These are our girls, 6 and just-a-few-weeks-shy-of-4. Yes, they are unspeakably adorable. I know. It struck me this weekend that, all things considered, this is the easy part. To date we’ve had no broken bones. No broken hearts. No Ds and Fs on report cards. No friendships ended in a fiery blaze. No fighting over […]

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Bason Asset Management is Moving!

I’m happy to announce that the office is making a short move to a new office space in Lakewood, just a few miles from the old office. I hope that clients will find that the new office is more accessible and a much more comfortable meeting space.  The new office is located in the Belmar […]

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1Q 2017 Market Overview

Market Overview The rally that began shortly after last November’s election continued early this year, with US large cap stocks yet again posting a very strong quarter, up over 6%.  International stocks fared even better, including Emerging Market stocks really turning a corner after years of significantly underperforming the S&P 500;  up 11.14% for the […]

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