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The Beauty of Finance

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March

03

2017

Friday, @ 14:03 In Market Commentary

Market Melt- Up   The Dow Jones Industrial Average1 ended February on a negative note, snapping a 12-day winning streak of record closing highs. Looking back at market history, the Dow came up one day short of tying a record of 13-closing new highs achieved in January 1987 (Gluskin Sheff/Business Insider).   The latest run can be traced back to comments made earlier in February by President Donald Trump. Following a very restrained [...]

March

02

2017

Thursday, @ 09:54 In Financial Planning

  CFP Board offers tips for talking to your significant other about your finances.   It’s always important to keep open lines of communication with your significant other. Talking about money is no exception, but it can be a sticky subject – and one that can bring up issues related to your own anxiety around your finances.   It’s time to break the cycle of non-communication and have “the money talk.” & [...]

February

24

2017

Friday, @ 12:40 In Financial Planning

Please note that this article was originally featured by our CEO, Marguerita Cheng, on Kiplinger’s Wealth Creation channel.   When it comes to money and success, people born under the Chinese zodiac sign of the rooster can teach the rest of us a thing or two.   image credit: iStockphoto   According to the Western calendar, Jan. 28 marks the beginning of the Chinese New Year — also known as “Spring Festiva [...]

February

16

2017

Thursday, @ 09:00 In Financial Planning

Please note that this article was originally featured by our CEO, Marguerita Cheng, on Kiplinger’s Wealth Creation channel.   image credit: Klce.com   In financial speak, the performance of the stock market can be described in animal terms—a bear market or a bull market.   The origin of this animal terminology is uncertain. One explanation goes back to 18th century England when the middlemen of bearskin sales [...]

February

09

2017

Thursday, @ 06:19 In Market Commentary

The Waiting Game   Much of the optimism over the last three months can be traced back to the themes that have been running since Election Day.   It’s a new administration that wants corporate tax cuts, individual tax reform, regulatory reform, higher defense spending, and a ramp-up in infrastructure spending. With the exception of new domestic outlays, the Trump administration is working with a sympathetic Congress.   [...]

January

29

2017

Sunday, @ 13:57 In Financial Planning

  CFP Board Offer Tips to Improve Consumers’ Financial Situation   Year after year, becoming healthy is a top New Year’s resolution for Americans, while saving more and spending less typically ranks lower on the list of priorities. Although many people will purchase gym memberships that they may never use, taking steps to improve financial wellness is a resolution worth pursuing, and committing to.   In the l [...]

January

09

2017

Monday, @ 06:38 In Market Commentary

An Average Year   That’s right, 2016 turned out to be an average year for stocks if you use the large-company S&P 500 Index as your yardstick. Going back to 1928, the average annual return, including reinvested dividends, runs nearly 10% (NY Stern School of Business data). When the year had ended, the S&P 500 rose 9.54%. Throw in dividends and 2016 rose 11.96% (Morningstar). Mid-cap and smaller company shares topped 20%. [...]

January

03

2017

Tuesday, @ 19:30 In Financial Planning

  The Certified Financial Planner Board of Standards, Inc. (CFP Board) has examined American spending patterns and created four overall categories. The study found that one group earns insufficient income to pay current bills or past debt, effectively preventing these individuals from saving for retirement.   These individuals, aptly named “Stretched Worriers,” are the most concerned out of four segment groups in CFP [...]

December

19

2016


We are honored to share that Sameer Somal, has been named to the Advisory Executive Council of the Women Economic Forum and will be delivering a keynote at their WEF 17 May 8th – 13th conference in Delhi, India. The Blue Ocean Global team has a profound respect for Dr. Harbeen Arora, and we are honored to support her inspiring leadership as an entrepreneur, philanthropist, and global citizen.   image credits: Blue Ocean Globa [...]

December

13

2016

Tuesday, @ 09:20 In Market Commentary

Investors Play the Trump Card   It’s simply a formality at this point. On December 19, the Electoral College will convene and electors will cast their votes. Barring any surprises, Donald Trump will become the 45th president of the United States.   While December’s vote is expected to produce few surprises, the election day results that put Trump in the win column caught most professional pundits off guard. The subsequent re [...]

December

07

2016

Wednesday, @ 07:33 In Financial Planning

The Certified Financial Planner Board of Standards, Inc. (CFP Board) commissioned a consumer survey series examining four groups of Americans based on their saving patterns. One particular group stands out among the rest as they exhibit high confidence about their financial future due to their slow and steady approach to saving throughout their lifetime.   The group, identified as“Confident Savers,” consists of older Americans who [...]

November

15

2016

Tuesday, @ 17:31 In Financial Planning

Please note that this article was originally featured by our CEO, Marguerita Cheng, on CFP Board's Lets Make a Plan blog.    image credit: i.guim.co   As parents and professionals, we strive to have the best of both worlds. We want our children to receive the best care while we earn a living. However, as the cost of living rises, the balance between our worlds becomes unsteady.   According to the Center for [...]

November

04

2016

Friday, @ 14:18 In Financial Planning

A consumer survey series commissioned by the Certified Financial Planner Board of Standards, Inc. (CFP Board) examines four groups of Americans based on their saving patterns and finds one group demonstrates heightened concern over their financial future due to competing obligations, such as paying mortgage and credit card debt.   The group, identified as “Tentative Savers,” is described as Americans who started saving in their [...]

November

02

2016

Wednesday, @ 08:13 In Market Commentary

Can’t Decide   I’ll state the obvious. It’s been a particularly vicious election, and a surprise announcement by the FBI that it is probing new emails related to Hillary Clinton is the latest twist.   While there are a wide variety of opinions about the major candidates, an ABC/Washington Post Poll I spotted on October 31 sums of the dissatisfaction. According to the survey 59% of voters view Hillary Clinton unfavorably, [...]

November

01

2016

Tuesday, @ 13:53 In Guest Contributions, Interviews

   image credit: Blue Ocean Global Technology   Blue Ocean Global Wealth:  You’re a Managing Director at HighTower Las Vegas. Tell me a little about HighTower and your team.   Adam: HighTower is national partnership comprised of advisory teams that provide advice and guidance to wealthy investors and institutions.  Our firm’s approach is quite simple; put the client first. HighTower is structured in a way that allows [...]

October

17

2016

Monday, @ 07:00 In Market Commentary

Modest Volatility, an Election, and a European Bank   The third quarter began on a very uneven footing. The U.K. had just surprised investors by voting to leave the European Union (E.U.), and markets were in the process of digesting an enormous amount of uncertainty and repricing shares in the face of that uncertainty.   But hindsight has a way of offering clarity that’s difficult to grasp in the middle of the storm. While mar [...]

October

05

2016

Wednesday, @ 09:14 In Financial Planning

  First of four consumer segmentation surveys provides detailed look at Americans’ finances   A new series of consumer surveys from Certified Financial Planner Board of Standards, Inc. (CFP Board) reveals four distinct groups of Americans based on their saving patterns, including one segment that exhibits optimism about their financial futures even while wrestling with the sharp competing interests of saving monthly, payi [...]

September

27

2016

Tuesday, @ 04:40 In Financial Planning

Please note that this article was originally featured by our CEO, Marguerita Cheng, on Kiplinger’s Wealth Creation channel.   image credit: kiplinger.com   With back-to-school shopping season in full swing, concerns on how to afford clothing and educational supplies increase. According to the National Retail Federation's latest Back-to-School Survey conducted by Prosper Insights & Analytics, the average family with [...]

September

20

2016

Tuesday, @ 06:00 In Financial Planning

image credits: Clear Money   Analysis shows four discrete segments of respondents; each involves unique findings regarding money management, retirement savings and outlook on finances   A new national survey released this week by Certified Financial Planner Board of Standards,Inc. (CFP Board) shows that Americans are trying to save despite having many other competing financial priorities. At the same time, the survey reveals [...]

September

16

2016

Friday, @ 11:30 In Guest Contributions, Interviews

image credit: Blue Ocean Global Technology   Blue Ocean Global Wealth: Your company, T. Thomson & Associates, LLC, is an international business and communications strategy advisory firm. Tell our audience about your firm and the customers you serve?   Tom: I launched my firm after a 20-year career with a-Washington, DC-based international government relations and strategic communications consultancy. During that period, I live [...]

September

05

2016

Monday, @ 10:35 In Market Commentary

Longevity – Bull Markets and the Economy   The dog days of summer would be a befitting term to describe market action over the last month. While uneventful, the major indexes remained near their all-time highs during August.   Despite the lack of excitement, Howard Silverblatt, Senior Index Analyst with S&P Dow Jones Indices noted that from July 8 – August 24, “108 issues are up at least 10% (in the S&P 500 Index), [...]

August

15

2016

Monday, @ 12:00 In Financial Planning

image credits: Shuttersock   Tips on How to Navigate the Turbulent Global Economy   With Britain’s recent vote to leave the European Union, the stock market experienced a 700-point decline. In moments like these, the urge to do something with your U.S. and international equities can be overwhelming.   In a recent article posted to LetsMakeaPlan.org, CFP Board provides a few ideas for those looking to make a move in [...]

August

08

2016

Monday, @ 04:15 In Market Commentary

Brexit Fades as Focus Returns Home   Last month’s summary ended with the following remarks:   Don’t discount the possibility of additional short-term volatility (in stocks), but the quick bounce in stocks at month’s end (June) was encouraging. Ultimately, the U.S. economy and corporate profits have the biggest influence over the long-term direction of U.S. stocks, not what happens around the globe.   We’ve witnes [...]

August

05

2016

Friday, @ 06:25 In Financial Planning

Please note that this article was originally featured by our CEO, Marguerita Cheng, on Kiplinger’s Wealth Creation channel   image credit: Occupy.com   Most investors don't understand the impact Brexit may have on their financial situation. The political fallout might conjure up memories from the global financial crisis when we observed the values of our homes and investment portfolios decline.   I always remi [...]

July

12

2016

Tuesday, @ 05:30 In Financial Planning

Please note that this article was originally featured by our CEO, Marguerita Cheng, on Kiplinger’s Wealth Creation channel.   image credit: Blue Ocean Global Technology   GLS University students and faculty thank Blue Ocean Global Wealth and TiE Ahmedabad following their engaging delivery of The Future of the Financial Planning Profession education program in Gujarat, India.   In his keynote address at a 2013 G8 Confe [...]

July

07

2016

Thursday, @ 06:00 In Market Commentary

Brexit – A Political Earthquake Felt Around the World   On June 23, the U.K. voted by a narrow 52-48% to exit (coined ‘Brexit’ for Britain’s exit) the 28-nation economic and political bloc called the European Union (EU). It was a non-binding referendum, which means lawmakers in Britain could ignore the results, but that seems unlikely. In a nutshell, dislike of EU regulation and immigration requirements trumped the economic unc [...]

June

28

2016

Tuesday, @ 05:20 In Guest Contributions, Interviews

image credit: Loud & Clear Voice Coaching   Priscilla offers keynote comments on Voice for the Chartered Management Institute Conference in Birmingham, England.   Blue Ocean Global Wealth: What is a Voice coach?   Priscilla: A voice coach is a professional who helps clients recognize the power that they have in their vocal instrument to influence and persuade. A successful voice coach can help an individual [...]

June

20

2016

Monday, @ 08:00 In Financial Planning

image credits: alternative-mama.com   Tips on Teaching Kids How Money Works   Every dad wants to be a superhero to his children. On Father’s Day, kids remind their dads of all the reasons that they are appreciated – because he is wise, strong, patient, hard-working, and good at solving problems. But what many fathers don’t realize is that they may be falling short of superhero status when it comes to teaching their k [...]

June

16

2016

Thursday, @ 05:30 In Guest Contributions, Interviews

image credit: Jason Voss   Jason Voss is a content director at CFA Institute, where he focuses on fixed income, behavioral finance, corporate finance, and quantitative methods. He is an author of The Intuitive Investor. Previously, Voss was a portfolio manager at Davis Selected Advisers, L.P., where he co-managed the Davis Appreciation and Income Fund. He holds a BA in economics and an MBA in finance and accounting from the University [...]

June

15

2016

Wednesday, @ 05:15 In Financial Planning

Please note that this article was originally featured by our CEO, Marguerita Cheng, on Kiplinger’s Wealth Creation channel   image credit: The Wall Street Journal   Graduating college is a huge achievement, deserving of the celebrations that typically go along with it. With a diploma in hand, you can see the world open wide for you, and the possibilities for your future can seem endless. On the other hand, adulthood come [...]

June

09

2016

Thursday, @ 08:14 In Market Commentary

Bond Bulls Defy Countless Obituaries   It’s no secret that interest rates for highly-rated securities remain at rock bottom levels. From T-bills to FDIC-insured savings accounts, earning a respectable return on safe investments has been next to impossible.   The same holds true for Treasury bonds. For several years, analysts have been writing the obituary on the 30-year bull market in bonds. To borrow a famous quote from M [...]

June

03

2016

Friday, @ 06:10 In Financial Planning

                                                                                                             image credit: The Bull     Tips on Which Assets to Diversify and How   Diversification is a good thing; it is the most effective, least expensive, and easiest-to-implement strategy in an investor’s toolbox to reduce the risk of loss, without sacrificing re [...]

May

18

2016

Wednesday, @ 07:18 In Educational Events, Financial Planning

Please note that this article was originally featured by our CFO, Sameer S. Somal, on CFA Institute Enterprising Investor   image credit: Blue Ocean Global Technology   Sameer Somal, CFA, provides perspective on the value of the CFA Program during Blue Ocean Global Wealth’s “Entrepreneurship and the Intangibles of Success” education program in Ahmedabad, India, in December 2015.   In January, I offered strategies o [...]

May

11

2016

Wednesday, @ 07:00 In Market Commentary

Running in Place   Following a rough start to 2016, shares bottomed in February and posted a respectable rally heading into spring. While the themes that helped stabilize markets remain in place, we still haven’t seen a strong catalyst that would fuel a rally past last May’s all-time closing high.   A review of Figure 1 illustrates the two 10%+ declines the S&P 500 has experienced over the last year. While the steep [...]

May

05

2016

Thursday, @ 12:53 In Financial Planning

Please note that this article was originally featured by our CEO, Marguerita Cheng, on Kiplinger’s Wealth Creation channel   image credit: Blue Ocean Global Technology   Rita Cheng shares a moment with her daughter, Karolina, on Georgetown University's campus.   You can help your children spring into financial literacy by incorporating money talks with enjoyable activities.   April is Financial Literacy Mon [...]

April

27

2016

Wednesday, @ 09:02 In Financial Planning

Image Credit: keepcalm-o-matic.co.uk   Tips to Alleviate the Pressures of Life-Changing Moments   The mid-life crisis: it happens to almost everyone. That shiny new convertible at the dealership catches your eye; your college roommate arrives to the reunion with a much younger, more attractive spouse; or that vow you made to never consider plastic surgery now seems like a good idea. There are other kinds of mid-life crises, [...]

April

25

2016

Monday, @ 13:01 In Interviews

image credit: Blue Ocean Global Technology     Jeremy with his wife Bernadette, and daughters Ava & Ruby, at Balboa Park in San Diego, CA.   The inherent beauty of the financial planning profession is its applicability to all people. Financial planning is global, and it transcends cultural, social, and wealth boundaries. Blue Ocean Global Wealth recognizes the expanding demand for qualified professional advice. W [...]

April

09

2016

Saturday, @ 05:15 In Financial Planning

Image Credit: merrikenfinancialgroup.com   Tips to Help Simplify Your Finances This Season   The sun is shining and birds are chirping, which can only mean one thing – spring has sprung! While many people start to spend more time outdoors, for others the season carries heavier obligations, including tax preparation.   • KEEP: Buy a file cabinet. Information that must be kept permanently and in its original form – marr [...]

April

07

2016

Thursday, @ 04:12 In Market Commentary

In Like a Lion, Out Like a Lion   An end of January headline from Bloomberg News summed it up well—Stocks Post Worst January Since 2009. The New Year definitely roared like a lion, and not in a favorable way, but shares clawed back. At the time, I touched on four major themes I believed was necessary to prop up stocks. We needed some type of bottom in commodity prices, or at a minimum, stability in oil prices. Stocks were not onl [...]

March

21

2016

Monday, @ 06:38 In Interviews

image credit: Slice Communications   Blue Ocean Global Wealth: What is Slice Communications?   Cass: Slice Communications is an integrated public relations and social media agency that has proven ROI for its clients. We are a communications company, which means that we specialize in the creation and delivery of strategic messaging, rather than focusing on branding, marketing, design or advertising. Our specialty is helping compani [...]

March

13

2016

Sunday, @ 19:46 In Financial Planning

Please note that this article was originally featured by our CEO, Marguerita Cheng, on Kiplinger’s Wealth Creation channel     image credit: Blue Ocean Global Technology   Marguerita Cheng’s 10-year old daughter, Karolina, stands with confidence prior to her Girls on the Run gathering with classmates and friends at Wayside Elementary School in Potomac, MD.   Getting active with either can help you bo [...]

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