https://www.xandyadvisors.com/blog daily 0.75 2020-03-30 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1590893199697-AQYY0Y3TWLVW1W1RAAK1/thought-catalog-1THJ5GRABqI-unsplash.jpg Blog https://www.xandyadvisors.com/blog/how-to-use-robo-advisors-correctly monthly 0.5 2020-06-02 https://www.xandyadvisors.com/blog/returns-needed-to-recover-from-a-market-drawdown monthly 0.5 2020-06-02 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1585547800317-W5N7G6TUNI3OA29AKSXK/Returns+Needed+To+Recover+From+A+Market+Drawdown.GIF Blog - Returns Needed To Recover From A Market Drawdown Figure 1. Returns Needed To Recover From A Market Drawdown https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1585543409613-TDOHBHZFQDFCWFH7I3VB/US+Equity+Returns+Following+Sharp+Downturns.GIF Blog - Returns Needed To Recover From A Market Drawdown Figure 2. US Equity Returns Following Sharp Downturns Periods in which cumulative return from peak is –10%, –15%, or –20% or lower and a recovery of 10%, 15%, or 20%, respectively, from trough has not yet occurred are considered downturns. Returns are calculated for the 1-, 3-, and 5-year look ahead periods beginning the day after each downturn. Whether a period is considered a downturn is analyzed on a daily basis, and therefore the 1-, 3-, and 5-year look ahead periods are overlapping. The bar chart shows the average returns for the 1-, 3-, and 5-year periods following 10%, 15% and 20% downturns. For the 10% threshold, there are 3,442 observations for 1-year look ahead, 3,396 observations for 3-year look ahead, and 3,345 observations for 5-year look ahead. For the 15% threshold, there are 3,175 observations for 1-year look ahead, 3,167 observations for 3-year look ahead, and 3,166 observations for 5-year look ahead. For the 20% threshold, there are 2,561 observations for 1-year look ahead, 2,560 observations for 3-year look ahead, and 2,560 observations for 5-year look ahead. Peaks and troughs are patterns that are developed by the price action experienced by all securities. Peak is the highest point prior to a drawdown, and trough is the lowest point after the peak. Data provided by Fama/French. add back in available at http://mba.tuck.dartmouth.edu/pages/faculty/ken.french/ data_library.html. Eugene Fama and Ken French are members of the Board of Directors of the general partner of, and provide consulting services to, Dimensional Fund Advisors LP. Investing risks include loss of principal and fluctuating value. There is no guarantee an investment strategy will be successful. Dimensional Fund Advisors LP is an investment advisor registered with the Securities and Exchange Commission. https://www.xandyadvisors.com/blog/investing-during-the-turmoil-part-2 monthly 0.5 2020-06-02 https://www.xandyadvisors.com/blog/investing-during-the-turmoil-part-1 monthly 0.5 2020-06-02 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1584396789231-UJAWQC0CKR2A33EFR7NH/Markets+have+rewarded+discipline.GIF Blog - Investing During The Turmoil - Part 1 Figure 1. Markets Have Rewarded Discipline https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1584398309808-CDGGG00MNZE7EYQX3ZEI/Epidemics+and+stock+market+performance.GIF Blog - Investing During The Turmoil - Part 1 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1584398278013-O2Y2GZ6IEZ08LUZKRTKO/image-asset.gif Blog - Investing During The Turmoil - Part 1 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1584397789638-4U39DGRRM8Y78VV72BC4/Annual+returns+and+intra-year+declines.GIF Blog - Investing During The Turmoil - Part 1 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1584398350970-VUFUAP78YMK16GZZIBIL/Stay+invested.GIF Blog - Investing During The Turmoil - Part 1 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1584398292056-MQ7NBYLUD53MGVAE206T/Time%2C+Diversification%2C+and+the+volatility+of+returns.GIF Blog - Investing During The Turmoil - Part 1 https://www.xandyadvisors.com/blog/real-estate-investing-101 monthly 0.5 2021-01-18 https://www.xandyadvisors.com/blog/3-tax-planning-opportunities-before-the-tax-due-date monthly 0.5 2020-06-02 https://www.xandyadvisors.com/blog/2019-forth-quarter-market-review-and-tuning-out-the-noise monthly 0.5 2020-06-02 https://www.xandyadvisors.com/blog/what-to-do-with-your-restricted-stock-units-rsus-of-a-public-company monthly 0.5 2020-06-02 https://www.xandyadvisors.com/blog/2019-third-quarter-market-review-and-timing-isnt-everything monthly 0.5 2020-06-02 https://www.xandyadvisors.com/blog/ipos-profiles-are-high-what-about-returns monthly 0.5 2020-07-30 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572896480243-E9YV3JO5Z681G75IPJYV/Annual+IPO+Activity+by+Market+Cap+Size+Group.png Blog - IPOs: Profiles Are High. What About Returns? Exhibit 1. Annual IPO Activity by Market Cap Size Group, 1991–2018 Source: Dimensional using Bloomberg data. The sample includes US market IPOs, including US-domiciled companies and foreign-domiciled IPOs in the US, with an offering date between January 1, 1991, to December 31, 2018. Excluded from the sample are IPOs with an offer price below $5, unit IPOs (common stock and warrants), and IPOs involving real estate investment trusts, closed-end funds, American depository receipts, partnerships, and acquisition companies. IPO categories (small, mid, and large) are based on market cap rank relative to all US-domiciled common stocks as of the most recent month-end. Large, mid, and small cap are defined as firms that rank in the top 500, 501–1,000, and >1,000 by market value, respectively. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572896769255-SLW5WP088YNM658YVGPJ/IPO+Returns+Analysis.png Blog - IPOs: Profiles Are High. What About Returns? Exhibit 2. IPO Returns Analysis, 1992–2018 Past performance does not guarantee future results. Source: Dimensional using Bloomberg data. The sample includes US market IPOs, including US-domiciled companies and foreign-domiciled IPOs in the US, with an offering date between January 1, 1991, to December 31, 2018. Excluded from the sample are IPOs with an offer price below $5, unit IPOs (common stock and warrants), and IPOs involving real estate investment trusts, closed-end funds, American depository receipts, partnerships, and acquisition companies. The hypothetical IPO portfolio is formed December 31, 1991, and is rebalanced monthly to include all firms with an IPO during the prior 12-month period. Weights are based on prior month-end market capitalization. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indices. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. https://www.xandyadvisors.com/blog/key-questions-for-the-long-term-investor monthly 0.5 2019-11-04 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572892857314-EID56SU5DEZXQ7018DQA/Embrace+Market+Pricing.png Blog - Key Questions for the Long-term Investor In USD. Source: Dimensional, using data from Bloomberg LP. Includes primary and secondary exchange trading volume globally for equities. ETFs and funds are excluded. Daily averages were computed by calculating the trading volume of each stock daily as the closing price multiplied by shares traded that day. All such trading volume is summed up and divided by 252 as an approximate number of annual trading days. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572892972369-ZTF6R0Q3PG2G2ZF7XE9X/US+Based+Mutual+Fund+Performance.png Blog - Key Questions for the Long-term Investor Source: *Mutual Fund Landscape 2019, Dimensional Fund Advisors. See Appendix for important details on the study. Past performance is no guarantee of future results. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572893054465-DD7ATL2KSSDRDGI4QLO5/Percentage+of+Top-Ranked+Funds+That+Stayed+on+Top.png Blog - Key Questions for the Long-term Investor Source: Mutual Fund Landscape 2019, Dimensional Fund Advisors. See Appendix for important details on the study. Past performance is no guarantee of future results. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572893108874-1ATPMCYHH8683325F27Y/Grwoth+of++a+Dollar.png Blog - Key Questions for the Long-term Investor In USD. US Small Cap is the CRSP 6–10 Index. US Large Cap is the S&P 500 Index. Long-Term Government Bonds is the IA SBBI US LT Govt TR USD. Treasury Bills is the IA SBBI US 30 Day TBill TR USD. US Inflation is measured as changes in the US Consumer Price Index. CRSP data is provided by the Center for Research in Security Prices, University of Chicago. S&P data © 2019 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. Long-term government bonds and Treasury bills data provided by Ibbotson Associates via Morningstar Direct. US Consumer Price Index data is provided by the US Department of Labor Bureau of Labor Statistics. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572893165998-GOWF5M6ZFA2RE40MZPXC/Dimensions+of+Expected+Returns.png Blog - Key Questions for the Long-term Investor Relative price is measured by the price-to-book ratio; value stocks are those with lower price-to-book ratios. Profitability is measured as operating income before depreciation and amortization minus interest expense scaled by book. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572893230367-FT5RYIWLZF7PICS2844A/Practice+Smart+Diversification.png Blog - Key Questions for the Long-term Investor Number of holdings and countries for the S&P 500 Index and MSCI ACWI (All Country World Index) Investable Market Index (IMI) as of December 31, 2018. S&P data © 2019 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. MSCI data © MSCI 2019, all rights reserved. International investing involves special risks, such as currency fluctuation and political instability. Investing in emerging markets may accentuate these risks. Investing in emerging markets may accentuate those risks. Diversification does not eliminate the risk of market loss. Indices are not available for direct investment. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572893278117-LE54VCAMA36PZDZ45VFK/Annual+Returns+by+Market+Index.png Blog - Key Questions for the Long-term Investor In USD. US Large Cap is the S&P 500 Index. US Large Cap Value is the Russell 1000 Value Index. US Small Cap is the Russell 2000 Index. US Small Cap Value is the Russell 2000 Value Index. US Real Estate is the Dow Jones US Select REIT Index. International Large Cap Value is the MSCI World ex USA Value Index (gross dividends). International Small Cap Value is the MSCI World ex USA Small Cap Value Index (gross dividends). Emerging Markets is the MSCI Emerging Markets Index (gross dividends). Five-Year US Government Fixed is the Bloomberg Barclays US TIPS Index 1–5 Years. S&P and Dow Jones data © 2019 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. MSCI data © MSCI 2019, all rights reserved. Bloomberg Barclays data provided by Bloomberg. Chart is for illustrative purposes only. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572893435513-OYBP00CUPFQ5I77Y0MIZ/Avoid+Reactive+Investing.png Blog - Key Questions for the Long-term Investor https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572893505614-1P1FSCAQ0P0DZFVDJAZ0/Noise+from+the+news.png Blog - Key Questions for the Long-term Investor https://www.xandyadvisors.com/blog/the-uncommon-average monthly 0.5 2019-11-04 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572894211316-APY3KMSSZZAK8O2JER25/S%26P+500+Index+Annual+Returns.png Blog - The Uncommon Average Exhibit 1. S&P 500 Index Annual Returns 1926–2018 In US dollars. S&P data © S&P Dow Jones Indices LLC, a division of S&P Global. Indices are not available for direct investment. Index returns are not representative of actual portfolios and do not reflect costs and fees associated with an actual investment. Past performance is no guarantee of future results. Actual returns may be lower. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572894304341-BLTBFTRVRGISUSXHZAK1/Frequency+of+Positive+Returns+in+the+S%26P+500+Index.png Blog - The Uncommon Average Exhibit 1. Frequency of Positive Returns in the S&P 500 Index Overlapping Periods: 1926–2018 In US dollars. From January 1926–December 2018, there are 997 overlapping 10-year periods, 1,057 overlapping 5-year periods, and 1,105 overlapping 1-year periods. The first period starts in January 1926, the second period starts in February 1926, the third in March 1926, and so on. S&P data © S&P Dow Jones Indices LLC, a division of S&P Global. Indices are not available for direct investment. Index returns are not representative of actual portfolios and do not reflect costs and fees associated with an actual investment. Past performance is no guarantee of future results. Actual returns may be lower. https://www.xandyadvisors.com/blog/why-should-you-diversify monthly 0.5 2019-11-05 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572981406388-KTK3ZG4OJVU23MTC8LRW/World+Equity+Market+Capitalization.png Blog - Why Should You Diversify? Exhibit 1. World Equity Market Capitalization As of December 31, 2017. Data provided by Bloomberg. Market cap data is free-float adjusted and meets minimum liquidity and listing requirements. China market capitalization excludes A-shares, which are generally only available to mainland China investors. For educational purposes; should not be used as investment advice. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572981495965-X3W8GEPD3C7SSNZFYINY/Global+Index+Returns.png Blog - Why Should You Diversify? Exhibit 2. Global Index Returns, January 2000–December 2009 S&P data © 2018 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. MSCI data © MSCI 2018, all rights reserved. Indices are not available for direct investment. Index performance does not reflect expenses associated with the management of an actual portfolio. Past performance is not a guarantee of future results. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1572981623795-G7GM88D45KWPZ42AYYZY/Equity+Returns+of+Developed+Markets.png Blog - Why Should You Diversify? Exhibit 3. Equity Returns of Developed Markets Source: MSCI country indices (net dividends) for each country listed. Does not include Israel, which MSCI classified as an emerging market prior to May 2010. MSCI data © MSCI 2018, all rights reserved. Past performance is no guarantee of future results. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. https://www.xandyadvisors.com/blog/10-tax-planning-opportunities-before-year-end-for-individuals monthly 0.5 2020-11-11 https://www.xandyadvisors.com/blog/5-things-you-need-to-know-about-non-qualified-stock-options-nsos monthly 0.5 2020-07-30 https://www.xandyadvisors.com/blog/what-core-values-a-good-financial-planner-provides monthly 0.5 2020-07-30 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1539732251425-LBOKSIIZ0Z2L85RJHOBK/Infographic+final+version.jpeg Blog - What Core Values A Good Financial Planner Provides? https://www.xandyadvisors.com/blog/2018-second-quarter-market-review-and-total-cost-of-ownership monthly 0.5 2018-10-09 https://www.xandyadvisors.com/blog/is-your-money-safe-at-bank monthly 0.5 2020-07-30 https://www.xandyadvisors.com/blog/5-things-you-need-to-know-about-your-employee-stock-purchase-plan-espp monthly 0.5 2020-07-30 https://www.xandyadvisors.com/blog/the-tao-of-wealth-management monthly 0.5 2018-09-18 https://www.xandyadvisors.com/blog/7-things-you-need-to-know-about-your-restricted-stock-units-rsus monthly 0.5 2020-07-30 https://www.xandyadvisors.com/blog/becoming-a-us-citizen-or-not monthly 0.5 2020-07-30 https://www.xandyadvisors.com/blog/alternative-reality monthly 0.5 2018-08-14 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1533167025862-97ABNWORUKYYRKCP3GAI/Number+of+Liquid+Alternative+Mutual+Funds+in+the+US.png Blog - Alternative Reality Exhibit 1. Number of Liquid Alternative Mutual Funds in the U.S., June 2006-December 2017 Sample includes absolute return, long/short equity, managed futures, and market neutral equity mutual funds from the CRSP Mutual Fund Database after they have reached $50 million in AUM and have at least 36 months of return history. Multiple share classes are aggregated to the fund level. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1533170746209-S05OEV2WDQMDHDSR9K1P/Performance+and+Characteristics+of+Liquid+Alternative+Funds+in+the+US+vs.+Traditional+Stock+and+Bond+Indices.png Blog - Alternative Reality Exhibit 2. Performance and Characteristics of Liquid Alternative Funds in the U.S. vs. Traditional Stock and Bond Indices, June 2006-December 2017 Past performance is no guarantee of future results. Results could vary for different time periods and if the liquid alternative fund universe, calculated by Dimensional using CRSP data, differed. This is for illustrative purposes only and doesn’t represent any specific investment product or account. Indices cannot be invested into directly and do not reflect fees and expenses associated with an actual investment. The fund returns included in the liquid alternative funds average are net of expenses. Please see a fund’s annual report and prospectus for additional information on a specific portfolio’s turnover and the expenses it incurs. Liquid Alternative Funds Sample includes absolute return, long/short equity, managed futures, and market neutral equity mutual funds from the CRSP Mutual Fund Database after they have reached $50 million in AUM and have at least 36 months of return history. Dimensional calculated annualized return, annualized standard deviation, expense ratio, and annual turnover as an asset-weighted average of the Liquid Alternative Funds Sample. It is not possible to invest directly in an index. Past performance is not a guarantee of future results. Source of one-month US Treasury bills: © 2018 Morningstar. Former source of one-month US Treasury bills: Stocks, Bonds, Bills, and Inflation, Chicago: Ibbotson And Sinquefield, 1986. Barclays indices © Barclays 2018. Russell data © Russell Investment Group 1995–2018, all rights reserved. Standard deviation is a measure of the variation or dispersion of a set of data points. Standard deviations are often used to quantify the historical return volatility of a security or a portfolio. Turnover measures the portion of securities in a portfolio that are bought and sold over a period of time. https://www.xandyadvisors.com/blog/4-things-non-us-citizens-need-to-know-about-medicare monthly 0.5 2018-08-07 https://www.xandyadvisors.com/blog/rent-vs-buy monthly 0.5 2020-07-30 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1533021240792-PMTEZSNQQANL6ISRSNDR/Rent+vs.+Buy+Input.JPG Blog - Rent VS. Buy https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1533021270605-8C6IHWKI79AUHTEKNRRU/Rent+vs.+Buy+Output.JPG Blog - Rent VS. Buy https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1533021290068-NHS93CJKD8Y0AWWLRVWH/Rent+vs.+Buy+Output+2.JPG Blog - Rent VS. Buy https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1533021317279-CW5JSYNTCEGI33701AIY/Rent+vs.+Buy+Output+3.JPG Blog - Rent VS. Buy https://www.xandyadvisors.com/blog/target-date-fund-or-not monthly 0.5 2018-07-24 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1531638030381-L0KY8W82V0MD2P31PELJ/Target+Date+Series+Snapshot Blog - Target Date Fund Or Not Figure 1. Target Date Series Snapshot https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1531639149231-Q7C4ID1K5DW0NJMR6XST/Asset+Class+Summary Blog - Target Date Fund Or Not Figure 2. Asset Class Summary https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1531639487411-C7LD98I63S49R25ZJBP7/Equity+Glide+Path+Comparison Blog - Target Date Fund Or Not Figure 3. Equity Glide Path Comparison https://www.xandyadvisors.com/blog/2018-second-quarter-market-review-and-ero-a-formula-for-success monthly 0.5 2018-07-17 https://www.xandyadvisors.com/blog/should-you-get-individual-long-term-disability-insurance-in-addition-to-the-group-one monthly 0.5 2020-07-30 https://www.xandyadvisors.com/blog/after-tax-401k-contributions-uncommon-tax-advantaged-way-to-save-for-retirement monthly 0.5 2020-07-30 https://www.xandyadvisors.com/blog/the-impact-of-inflation monthly 0.5 2018-06-12 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1528089524608-JMW7WCOFXNY4A7F1BMZT/Your+Money+Today+Will+Likely+Buy+Less+Tomorrow.jpg Blog - The Impact Of Inflation Exhibit 1. Your Money Today Will Likely Buy Less Tomorrow In US dollars. Source for 1916 and 1966: Historical Statistics of the United States, Colonial Times to 1970/US Department of Commerce. Source for 2017: US Department of Labor, Bureau of Labor Statistics, Economic Statistics, Consumer Price Index—US City Average Price Data. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1528089649786-ODWO1YUAWNMXKVY962HA/Growth+of+%241%2C+1926-2017.jpg Blog - The Impact Of Inflation Exhibit 2. Growth of $1, 1926–2017 S&P and Dow Jones data © 2018 Dow Jones Indices LLC, a division of S&P Global. All rights reserved. Past performance is no guarantee of future results. Actual returns may be lower. Inflation is measured as changes in the US Consumer Price Index. https://www.xandyadvisors.com/blog/how-to-create-an-investment-plan monthly 0.5 2020-07-30 https://www.xandyadvisors.com/blog/should-you-opt-in-group-life-insurance-benefit-offered-by-your-employer monthly 0.5 2018-05-31 https://www.xandyadvisors.com/blog/four-things-to-watch-out-when-churning-credit-cards monthly 0.5 2020-07-30 https://www.xandyadvisors.com/blog/tuning-out-the-noise monthly 0.5 2018-05-15 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1525665794525-9UX7E8A0K97RWATGG7UB/Hypothetical+Growth+of+Wealth+in+the+S%26P+500+index%2C+May+1999-March+2018.png Blog - Tuning Out the Noise Exhibit 1. Hypothetical Growth of Wealth in the S&P 500 Index, May 1999–March 2018 © 2018 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. Not representative of an actual investment. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1525666253107-Y9LSJ026A6JJPR1JZ6TX/How+Do+You+Primarily+Measure+the+Value+Received+from+Your+Advisor.png Blog - Tuning Out the Noise Exhibit 2. How Do You Primarily Measure the Value Received from Your Advisor? Source: Dimensional Fund Advisors. The firm surveyed almost 19,000 investors globally to help advisors who work with Dimensional better understand what is important to their clients. https://www.xandyadvisors.com/blog/tax-preparation-vs-tax-planning monthly 0.5 2018-07-16 https://www.xandyadvisors.com/blog/pfic-why-you-probably-do-not-want-to-invest-funds-outside-the-us monthly 0.5 2018-05-03 https://www.xandyadvisors.com/blog/do-you-know-that-vanguard-also-believes-in-active-management monthly 0.5 2018-04-24 https://www.xandyadvisors.com/blog/2018-first-quarter-market-review monthly 0.5 2018-07-10 https://www.xandyadvisors.com/blog/watch-out-the-exit-tax-before-giving-up-your-us-citizenship-or-green-card monthly 0.5 2020-12-31 https://www.xandyadvisors.com/blog/getting-what-you-dont-pay-for monthly 0.5 2018-04-10 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1516320072370-71K4DENAY29I98UG3NU3/Exhibit+1%3A%C2%A0High+Costs+Can+Reduce+Performance%2C+Equity+Fund+Winners+and+Losers+Based+on+Expense+Ratios+%28%25%29 Blog - Getting What You Don't Pay For Exhibit 1. High Costs Can Reduce Performance, Equity Fund Winners and Losers Based on Expense Ratios (%) The sample includes funds at the beginning of the 15-year period ending December 31, 2016. Funds are sorted into quartiles within their category based on average expense ratio over the sample period. The chart shows the percentage of winner and loser funds by expense ratio quartile; winners are funds that survived and outperformed their respective Morningstar category benchmark, and losers are funds that either did not survive or did not outperform their respective Morningstar category benchmark. US-domiciled open-end mutual fund data is from Morningstar and Center for Research in Security Prices (CRSP) from the University of Chicago. Equity fund sample includes the Morningstar historical categories: Diversified Emerging Markets, Europe Stock, Foreign Large Blend, Foreign Large Growth, Foreign Large Value, Foreign Small/Mid Blend, Foreign Small/Mid Growth, Foreign Small/Mid Value, Japan Stock, Large Blend, Large Growth, Large Value, Mid-Cap Blend, Mid-Cap Value, Miscellaneous Region, Pacific/Asia ex-Japan Stock, Small Blend, Small Growth, Small Value, and World Stock. For additional information regarding the Morningstar historical categories, please see “The Morningstar Category Classifications” at morningstardirect.morningstar.com/clientcomm/Morningstar_Categories_US_April_2016.pdf. Index funds and fund-of-funds are excluded from the sample. The return, expense ratio, and turnover for funds with multiple share classes are taken as the asset-weighted average of the individual share class observations. For additional methodology, please refer to Dimensional Fund Advisor’s brochure, The 2017 Mutual Fund Landscape. Past performance is no guarantee of future results. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1516320232954-XON2OA2E6YVSXMXIQWCX/2.jpg Blog - Getting What You Don't Pay For Exhibit 2. Hypothetical Growth of $1 Million at 6%, Less Expenses For illustrative purposes only and not representative of an actual investment. This hypothetical illustration is intended to show the potential impact of higher expense ratios and does not represent any investor’s actual experience. Assumes a starting account balance of $1,000,000 and a 6% compound annual growth rate less expense ratios of 0.25% and 0.75% applied over a 15-year time horizon. Taxes and other potential costs are not reflected. Actual results may vary significantly. Changing the assumptions would result in different outcomes. For example, the savings and difference between the ending account balances would be lower if the starting investment amount was lower. https://www.xandyadvisors.com/blog/8-things-you-may-not-know-about-529-plans monthly 0.5 2018-03-27 https://www.xandyadvisors.com/blog/should-you-pay-off-your-mortgage-early monthly 0.5 2018-04-10 https://www.xandyadvisors.com/blog/about-buying-life-insurance-as-non-us-citizens monthly 0.5 2018-03-13 https://www.xandyadvisors.com/blog/home-bias-and-global-diversification monthly 0.5 2018-04-10 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1516233025510-V5DU42G83HKRNFZJLPNM/Exhibit+1%3A+Equity+Returns+of+Developed+Markets+-%C2%A0Annual+Return+%28%25%29 Blog - Home Bias And Global Diversification Exhibit 1: Equity Returns of Developed Markets - Annual Return (%) In US dollars. Source: MSCI developed markets country indices (net dividends). MSCI data © MSCI 2017, all rights reserved. Indices are not available for direct investment. Index performance does not reflect expenses associated with the management of an actual portfolio. Past performance is not a guarantee of future results. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1516233120174-NU779PALPWEJW35ZVP65/Exhibit+2%3A+Equity+Returns+of+Emerging+Markets+-%C2%A0Annual+Return+%28%25%29 Blog - Home Bias And Global Diversification Exhibit 2: Equity Returns of Emerging Markets - Annual Return (%) In US dollars. Source: MSCI emerging markets country indices (gross dividends). MSCI data © MSCI 2017, all rights reserved. Indices are not available for direct investment. Index performance does not reflect expenses associated with the management of an actual portfolio. Past performance is not a guarantee of future results. https://www.xandyadvisors.com/blog/4-simple-steps-to-help-you-understand-what-a-financial-adviserplanner-really-is monthly 0.5 2018-05-11 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1519586712803-KFGOFJDE213QJPKFZZUO/Broker+Check.JPG Blog - 4 Simple Steps to Help You Understand What a "Financial Adviser/Planner" Really Is https://www.xandyadvisors.com/blog/5-ways-to-save-money-in-2018 monthly 0.5 2018-05-11 https://www.xandyadvisors.com/blog/recent-market-volatility monthly 0.5 2018-04-10 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1518464242067-EA826TNZCF8EIE17294D/Exhibit+1+US+Market+Intra+Year+Gains+and+Declines+vs+Calendar+Year+Returns.png Blog - Recent Market Volatility Exhibit 1. US Market Intra-Year Gains and Declines vs. Calendar Year Returns, 1979–2017 In US dollars. US Market is measured by the Russell 3000 Index. Largest Intra-Year Gain refers to the largest market increase from trough to peak during the year. Largest Intra-Year Decline refers to the largest market decrease from peak to trough during the year. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1518464358858-CF06HZLZ7W3NZRAXYNN4/Exhibit+2+Performance+of+the+S%26P+500+Index.png Blog - Recent Market Volatility Exhibit 2. Performance of the S&P 500 Index, 1990–2017 In US dollars. For illustrative purposes. The missed best day(s) examples assume that the hypothetical portfolio fully divested its holdings at the end of the day before the missed best day(s), held cash for the missed best day(s), and reinvested the entire portfolio in the S&P 500 at the end of the missed best day(s). Annualized returns for the missed best day(s) were calculated by substituting actual returns for the missed best day(s) with zero. S&P data © 2018 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. One-Month US T- Bills is the IA SBBI US 30 Day TBill TR USD, provided by Ibbotson Associates via Morningstar Direct. 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Figure 1: S&P 500 intra-year declines vs. calendar year returns https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1513061175553-LKROAZBIUVWNPHVGJO1V/Figure+2%3A+Range+of+stock%2C+bond+and+blended+total+returns Blog - How does the volatility of the stock market affect your investment? Figure 2: Range of stock, bond and blended total returns https://www.xandyadvisors.com/blog/is-the-individual-income-tax-higher-in-china-than-in-the-us monthly 0.5 2018-01-18 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1511858264019-6JHHOZV0054QC6F1BAEY/Table+1%3A+2017+Individual+Income+Tax+Table+Comparison+between+China+and+the+U.S.-+Single Blog - Is The Individual Income Tax Higher In China Than In The U.S.? 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We partner with you, initially and over time, to help you organize, clarify and simplify your financial life through ongoing communication and collaboration that reflects changes in your life, the laws, and the investment markets. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1591142959557-R9SPAIO2WI4AU5ZNSF9Q/briana-tozour-TqTNyK48OgA-unsplash.jpg Financial Planning - What Topics do we Cover? https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1592791413238-NPPMJTDF8KOFARR2APMZ/scott-webb-UjupleczBOY-unsplash.jpg Financial Planning - First Year ☝ Get Acquainted Fill out our questionnaire ☝ Get Started Get to know you better, explain how we can help, calculate our fee, answer any questions you have, determine if we are a good fit. ☝ Get Organized Gather documents, help you get everything organized, and set up your personal financial planning portal. ☝ Get Prioritized Explore, clarify, prioritize your short-term, mid-term, and long-term goals. ☝ Get Planned Cover different planning topics in multiple meetings based on your priorities. ☝ Get Implemented Review everything we covered holistically, what you have accomplished, and what’s left on your to-do list. https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1591147805198-HCXGO0VY6WTJ0SKZM15R/scott-webb-UjupleczBOY-unsplash.jpg Financial Planning - 2nd year & beyond ☝ Get Updated ✔️ 1st Quarter - Tax Preparation and last minute tax planning ✔️ 2nd Quarter - Cash Flow/Insurance/Estate review ✔️ 3rd Quarter - Investment Review ✔️ 4th Quarter - Employee Benefits Review and Year-end Tax Planning ✔️Unlimited Advisor Access https://www.xandyadvisors.com/financial-planning-topics daily 0.75 2020-06-17 https://www.xandyadvisors.com/our-value daily 0.75 2018-07-08 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1531077601380-BYTUAO3UL79Q88FKCMQ7/Infographic+final+version.jpeg Our Value https://www.xandyadvisors.com/business daily 0.75 2024-04-18 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1592354373361-IQBQN43UD20TKKI7XCTG/wesley-tingey-_0sEjWfAK3Q-unsplash.jpg Business ✔️ Financial health analysis ✔️ Monthly bookkeeping ✔️ Payroll service ✔️ Annual tax projection ✔️ Tax preparation ✔️ Tax savings strategy ✔️ LLC and Corporation formation ✔️ Costs and Benefits Analysis for Sole Proprietorship vs LLC vs S-Corp vs Corporation https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1592354407191-GQP9KV35RJXPANZQFMHQ/wesley-tingey-_0sEjWfAK3Q-unsplash.jpg Business ✔️ Monthly cash flow tracking ✔️ Budgeting ✔️ Net worth report ✔️ Annual earning requirement to meet personal spending ✔️ Annual tax projection ✔️ Tax preparation ✔️ Tax savings strategy ✔️ Retirement plan review https://www.xandyadvisors.com/fee-calculator daily 0.75 2020-06-18 https://www.xandyadvisors.com/2020-year-end-tax-planning-webinar daily 0.75 2020-12-05 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1605140470091-XKOCFFSFI46EHBOMK2B3/leonard-von-bibra-LLcAJbEh1_Q-unsplash.jpg Webinar 2020 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1607207338300-6JZ8015I5D0N9EA8TCWQ/webinar+banner.jpg Webinar 2020 https://www.xandyadvisors.com/tax-projection daily 0.75 2024-04-18 https://www.xandyadvisors.com/projects daily 0.75 2024-04-18 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1606246463971-O1PISDRR46LGHRPUV50Q/gabriel-garcia-marengo-ht9aLtovtSo-unsplash.jpg Projects https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1605240549077-W9OQIB9NR8VLSW54SKS6/tax+projection.jpg Projects https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1606201035880-D9739Y3ICIGF4F9N07C0/Exit+Tax+Planning.jpg Projects https://www.xandyadvisors.com/consultation daily 0.75 2021-04-24 https://images.squarespace-cdn.com/content/v1/58f1355de6f2e13ee37be589/1607153394268-FJ4EZV1VSOYW5OKPNHSY/alice-pasqual-ztY9bJeLojY-unsplash.jpg Consultation - consultation This one-time consultation service is designed for people who are not ready for our comprehensive financial planning service but need help on 1-2 particular questions. 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