In The News
Video Media
Channel 12 News – January 14, 2011 – Click on the title link on the left to hear Dave discussing the benefits of utilizing Exchange Traded Funds (ETFs) to build diversified, low cost investment portfolios.
Channel 12 News – March 10, 2010 – Click on the title link on the left to hear Dave discussing the Greek Crisis and what he is doing with client’s portfolios during this uncertain time.
Channel 12 News – March 2, 2009- Dave discussed the Money Bus Tour sponsored by Kiplinger’s Magazine, TD Ameritrade and NAPFA.
Channel 12 News – December 3, 2008 – Click on the title link to the left to hear Dave discussing a number of end of year planning suggestions for investors heading into 2009.
Channel 12 News – March 5, 2008 – Click on the title link to the left to hear from Dave Fernandez, CFP®, who discusses the opportunities some people may have in a down economy if they need to purchase a home, refinance their mortgage, purchase a car or negotiate a lower credit card rate.
Print Media
U.S. News – December 2, 2013 - Dave Fernandez, CFP® comments on what it takes to build a solid retirement nest egg in “How to Retire with $1 million.”
The Arizona Republic – January 26, 2013 – Dave comments on the recent strength of the stock market in “Stock Market Will Reward Those With Long-Term Vision.”
InvestmentNews – November 7, 2010 – Dave comments on current client attitudes toward meeting future college costs in today’s challenging economic environment in “Parents Are Upbeat About Meeting College Costs, But Advisers Skeptical.”
The Arizona Republic – July 10, 2009 – Dave comments on three holdings that he has been adding to client portfolios to hedge against the future deterioration of the U.S. Dollar in “What They’re Buying.”
InvestmentNews – June 15, 2009 – Small-cap stocks typically lead the stock market when we come out of a recession. Dave comments on why this time that might not happen in “Small-Cap Strength Seen As Bright Sign.”
Money Magazine – June 2009 – The spring rally has extended itself across a wide range of asset classes. Is this the rebound everyone has been looking for and is this the end of the recession? Probably not. Dave expects volatility to remain for the remainder of 2009 as we work through two more waves of bad mortgages, credit cards, auto loans and commercial real estate. However, when the stock market does finally sense we are moving out of the recession phase to one of growth, typically small cap stocks will lead the way. Therefore, it is important to maintain diversification across the whole portfolio including exposure to small cap stocks as Dave comments in “Are Small-Caps Taking Root?”
The Arizona Republic – March 6, 2009 – Dave comments on Ginnie Mae bond funds in “What They’re Buying.”
The East Valley Tribune – March 2, 2009 – Dave comments on the challenges of the current economic crisis in “E.V. Experts Say Bad Times to Last Longer.”
The Arizona Republic – November 14, 2008 – In “What They’re Buying”, Dave comments on the benefits of municipal bonds and Treasury Inflation Protected Securities (TIPS).
The East Valley Tribune – October 9, 2008 – Dave encourages investors to remain calm in “Do Not Panic, Valley Experts Warn Stockholders.”
The Arizona Republic – September 28, 2008 – Dave comments on gold and a hedge fund type mutual fund in “What They’re Buying…”
Money Magazine – August 2008 - Dave Fernandez, CFP®, helps a couple set up an emergency fund in “5 Steps to Building an Emergency Fund.”
The Arizona Republic – June 22, 2008 - In “What They’re Buying” Dave Fernandez, CFP®, comments on a few investments worth buying when the market dips.
IndexUniverse.com – June 20, 2008 – Dave Fernandez, CFP®, is profiled in “The Long Road: No Mirage in Phoenix.”
MSNMoney.com – April 29, 2008 - In “Vanguard’s Best Bets For Your 401K“, Dave Fernandez, CFP®, discusses Vanguard’s High Yield Corporate Fund and the benefits of adding this particular fund to the fixed income side of your portfolio.
The Arizona Republic – March 16, 2008 – “Mutual Fund Assets Rise, But Growth Slows” due the popularity of ETFs. Dave Fernandez, CFP®, believes mutual funds should still be a large component of any investor’s portfolio.
IndexUniverse.com – February 22, 2008 - Dave Fernandez, CFP®, is asked to comment on the surprising departure of Jack Brennan from Vanguard in “McNabb Tapped to Replace Brennan at Vanguard.”
The Arizona Republic – February 3, 2008 – In “What They’re Buying” Dave Fernandez, CFP®, discusses purchasing REITs and Emerging Markets Stock Funds.
The Arizona Republic – October 21, 2007 – Dave Fernandez, CFP®, is asked to comment on what types of mutual funds and ETFs look attractive in the current market environment.
The Wall Street Journal – September 26, 2007 - Dave Fernandez, CFP®, strongly believes in building globally diversified stock and bond portfolios to hedge the risk of a falling U.S. dollar. As quoted in “Dollar Daze: Investing With a Weak Currency”, Dave says “if you stay only in dollars, the rest of the world will leave you behind.”
The Arizona Republic – September 23, 2007 – In “What They’re Buying”, Dave Fernandez, CFP®, says he was surprised by the Fed’s unexpected half-point rate cut. He has also been doing a lot of rebalancing in client portfolios lately.
Dow Jones Market Watch – August 14, 2007 - “Stashing Cash in Bonds Can Prove Risky”discusses the risks of using ultra short bond funds when the credit markets are strained. Dave Fernandez, CFP®, agrees with the risks outlined in the article and provides some alternatives for a diversified portfolio.
The Arizona Republic – May 20, 2007 – In its weekly column, The Arizona Republic asks Dave Fernandez, CFP®, to comment on what he is buying to add diversification to portfolios.
The Arizona Republic – April 22, 2007 – “Soaring Stocks Shrug Off Gloom” discusses the markets continued upward movement in the face of bad news. Dave Fernandez, CFP®, is taking a more cautious path and harvesting profits from the recent market surge and rebalancing portfolios.
The Arizona Republic – April 22, 2007 – Dave Fernandez, CFP®, says “All of my clients have about 40 percent of their equity holdings in international areas”….”a big reason is to hedge the U.S. dollar.” This is one example of how to hedge the U.S. dollar as written in “Here’s How to Profit if the Dollar Drops.”
The Arizona Republic – March 27, 2007 – Read “Investors Strike Gold With S&P 500 Index” to learn why Investment Advisors focus more on the S&P 500 vs. the Dow when building portfolios and assessing the current level of the stock market. Dave Fernandez, CFP®, believes “It’s more diversified than the Dow, representing more than 70 percent of the entire stock market’s value. It’s a good core holding for anyone.”
The Arizona Republic – March 25, 2007 – In its weekly “What They’re Buying” column, the Arizona Republic asks a few investment advisors what they are buying in client portfolios to add diversification. Dave Fernandez, CFP®, “expects uncertainty over the real estate market, particularly sub-prime mortgages, to create increased volatility in the market.” Dave has continued to add commodities and unhedged foreign bonds to dampen risk.
The Arizona Republic – February 28, 2007 – Investors many times over react to market volatility. Typically this is because they are unaware how overly aggressive their current portfolio is postured and how much risk they are exposed to. In addition, many investors do not actively rebalance portfolios as they should. In “Investors Urged to Put Decline in Perspective”, Dave Fernandez, CFP®, says “This is a reality check for investors”…”People have become complacent..There’s more risk in the market than has been perceived.”
The Arizona Republic – January 28, 2007 – The Arizona Republic asks a few expert investment advisors their thoughts on the current stock market and what they recommend to diversify client portfolios in “What They’re Buying”. Dave Fernandez, CFP®, “believes the market is overheated and due for a short-term correction.” He is buying into market sectors that have already recently corrected such as energy and commodities.
The Arizona Republic – January 18, 2007 – In “Gold Adds Polish to Portfolio“, Dave Fernandez, CFP®, suggests adding Gold as part of any investors commodity allocation. It provides an additional hedge to a globally diversified portfolio and will help to protect agains a U.S. dollar devaluation long term.
The Arizona Republic - November 12, 2006 – Dave Fernandez, CFP®, says “It’s nice to see the market surge, but I’m cautious” – he has been rebalancing his portfolios, taking profits and moving them into cash, as discussed in ”What They’re Buying.”
The Arizona Republic – October 4, 2006 – In “Dow’s Comeback is a Cheerful Sign”, Dave Fernandez, CFP®, comments that from an investor psychology standpoint it is good to see the Dow hitting a new record.
Research Magazine – A Guide to REIT Investing – September 2006 - In “Always in Favor”, Dave Fernandez, CFP®, says he believes REITS are a hot asset class, are over valued, and he is reducing exposure to REITs in client portfolios.
BusinessWeek – August 31, 2006 - Dave Fernandez, CFP®, discusses the use of a hedge fund type mutual fund to add downside risk diversification to a portfolio in “Hedging Without a Hedge Fund.”
The Arizona Republic – May 28, 2006 - In its weekly column, “What They’re Buying”, The Arizona Republic asks Dave Fernandez, CFP®, to comment on what he is buying to add diversification to client portfolios.
The Arizona Republic – February 12, 2006 – Dave Fernandez, CFP®, comments on the asset classes they may due well as the economy slows and commodity rich nations continue to flourish in “What They’re Buying.”
The Arizona Republic – December 2, 2005 – History will not necessarily repeat itself and if you are solely invested in a U.S.-centric portfolio, you will likely under perform the rest of he world. “You’ve got to look at other avenues – whether it’s gold or international stocks – besides what worked so well in the late 1980s and 1990s.”, Dave Fernandez, CFP®, commented in “Gold Reaches $500 Mark.”
Financial Advisor Magazine – October 1, 2005 – In “Baby Boomers – The Next Chapter,” Dave Fernandez, CFP®, comments - “Baby boomers are savings-short, The national savings rate is less than 2%. How are they going to retire? One day boomers will wake up and realize they have to start spending less and saving more, and their accumulation phase will last longer than expected.”
MSN Money – September 20th, 2005 – “5 Funds to Fill the Gaps in Your Portfolio” discusses the benefits of diversifying your portfolio with asset classes such as foreign stocks, foreign bonds and commodities. Dave Fernandez, CFP®, comments on the added benefit of commodities and their importance in a portfolio due to strong global demand and commodities long term growth potential.
The Arizona Republic – August 14, 2005 – 529 College Savings Plans are an excellent way to save for a child’s college education. Dave Fernandez, CFP®, favors the Nevada Plan sponsored by Vanguard. He comments on the poor status of Arizona’s 529 College Savings Plan in “State Struggles With Publicity, Participation in 529 Program.”
The Arizona Republic – August 13, 2005 - Dave Fernandez, CFP®, discusses the public’s reaction to increased gas prices in “Gas Prices Hit Record in Valley at $2.48 a Gallon.”
The Arizona Republic – July 31, 2005 - In “What They’re Buying”, Dave Fernandez, CFP®, talks about his recommendations for increased diversification for client’s portfolios.
The Arizona Republic – July 10, 2005 – In “More Manage Banking, Bills Using Internet”, Dave Fernandez, CFP®, comments that some people are overwhelmed by the internet when trying to make financial decisions and it can lead them to do things they shouldn’t when there is a lot of market volatility and they are searching for answers.
Investment News – June 20, 2005 – There has been an explosion of ETF offerings over the last few years. Dave Fernandez, CFP®, expresses his concern that some ETFs will give exposure to what typically has been a very small niche of the market such as U.S. Microcap stocks, which may overheat this particular sector since the new cash flow could be extreme, as discussed in “A Micro-Cap Index and ETF Planned.”
The Arizona Republic – July 13, 2004 – Dave Fernandez, CFP®, volunteered to serve on the Moneyline Panel. This is a Panel of financial planning and estate planning experts that volunteer a few hours of their time to take calls from the public to answer any financial planning questions they may have.
Investment Options
We are large proponents of low cost, tax efficient, broadly diversified, index oriented mutual funds and ETFs. Two of the investment management companies we rely on most when designing and managing our client portfolios are Dimensional Fund Advisors and The Vanguard Group. They both have outstanding reputations, a track record of numerous decades of providing consistent asset class returns, low investment costs, an investment process that is evidenced based and academic in nature, and are greatly supportive of the fee-only financial advisor community and their clients.
You can read more about each firm at their respective websites by clicking on their logos below:
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