What Can The Superbowl Teach Us About Financial Planning

Proven Strategies To Win the Biggest Game of Your Life 

Do you think Tom Brady or Russell Wilson can win this game all on their own?  Not a chance!  You  need the whole package to win the Superbowl…a good offense, a good defense and a great coach.  Tune in to Smart Money with Keith Springer this saturday at 1PM as Keith unveils the best offensive and defensive strategies to position and protect your investments in the new year.

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. on News Radio, KFBK.

Listen to Part Two of  “Your Essential New Years Resolution Checklist – 2″  

Listen to past podcasts

 

Posted in Audio Only | Tagged , , , | Comments Off

How to Lock In Your Stock Market Gains with Limited Losses

With Special Guest, Jason Jenkins, Founder of AssetLock

Would you like a magic pill for investing your hard earned money in the stock market so you let your gains run but limit your losses to a very small amount or even zero?

Tune in to Smart Money with me, Keith Springer this Saturday at 1pm, as I interview special guest, Jason Jenkins, the founder of AssetLock and he unveil the secrets to making money in the stock market without fear of big losses or any losses at all, that’s this Saturday at 1PM right here on KFBK.

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. on News Radio, KFBK.

Listen to Part Two of  “Your Essential New Years Resolution Checklist – 2″  

Listen to past podcasts

 

Posted in Audio Only | Tagged , , , | Comments Off

Critical Market Update Video

To learn what’s going on in today’s world with the economy and financial markets, in plain English, and too see where stocks and bonds are headed be sure to watch this brief video update.

Posted in Smart Money Newsletter | Tagged , , , | Comments Off

Your Essential New Years Resolution Checklist – Part 2

8 Critical Steps For Financial Success In 2015

Is your new year’s resolution to make more money and retire without worry?  Then tune into Smart Money with Keith Springer this Saturday at 1pm, as Keith completes the 8 critical steps for financial success in 2015.  That’s Saturday at 1pm right here on News Radio KFBK

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. on News Radio, KFBK.

Listen to Part On of  “Your Essential New Years Resolution Checklist – Part 1″  

Listen to past podcasts

Posted in Smart Money Newsletter | Tagged , , , | Comments Off

Why 2015 Looks Good

The Outlook For Stocks, Bonds, Gold, The Dollar and Real Estate

blog post pictureAs we start 2015, many investors are pessimistic for a myriad of reasons.  Not helping matters much has been the stock market’s uninspiring actions so far.  We started the year with five straight down days, the first time that’s happened in over 20 years.  I attribute the slow start simply to the pre-earnings nap period.  Once this quarterly occurrence is over, I am optimistic for a number of reasons.

Stock Market
2015 should shape up to be a good year for investors, although with increased volatility and risk. Economic forecasts for the coming year are probably on the low side, as we witnessed last week with a monster 5% GDP growth rate for Q3. Earnings forecasts are too low as well. If earnings surprise to the upside as I expect, stock prices will go with them. The last 5 or 6 years we have had the most dramatic earnings growth increases in history and that trend will continue.

One of the main reasons has been the Fed’s low interest rate policy. Everybody was concerned that it would generate rapid inflation. However, we have seen the opposite occur with rapidly expanding deflation….two types in fact.

The first type of deflation is what I discussed in Facing Goliath – How to Triumph in the Dangerous Markets Ahead. This was created by the rapidly aging 90 million strong baby boomer generation. As they passed their peak spending years, they were replaced by only 65 million Generation X’ers. Hardly enough to replace their purchasing power, which is forcing prices for practically everything lower.

The other kind of deflation, the good kind, is being caused by the new American Industrial Revolution. Multiple revolutions in fact. We are in the midst of a revolution in technology, biotechnology and, of course, the headline grabbing energy sector.

Oil is plummeting from new and improved drilling technology that is finding ways to extract oil and gas from huge proven reserve fields that were once thought impossible. The US energy revolution is one of the biggest factors for America for the next 10 or 20 years. We turn from a net energy importer to an exporter. Cheap energy also has one tremendous side advantage…Peace in the Middle East. Imagine no more wars for oil and a shrinking defense budget. This would be hugely positive for risk assets such as stocks across the board!

This is all good news for you, me and the economy as a whole. Yes, some oil companies will suffer and some workers will lose their jobs, but the enormous benefit of thousands of dollars getting into the pockets of consumers as well as corporations saving tens of millions of dollars in production costs is staggering!

This massive deflation also creates cheap money forcing companies to buy back their own stock or other companies. There is currently over $3 trillion sitting in corporate cash right now earning absolutely nothing. This will reduce the number of shares and or boost earnings per share, all without creating new business.

All of this points to a good year for US Stocks but not gangbusters…nor will it be easy. The demographic headwind will be a major drag on the economy until approximately 2022. That’s when the 85 million Echo-boomers hit their peak spending years. Until then it’s still “Invest for need, not for greed”™! Risk management is paramount, especially if you are close to retirement or already enjoying your golden years. After that you’ll be able to buy anything again and make money.

Bonds
Rates look like they are going even lower. Even though America is starting to rebound, the global slowdown will keeps rates at zero in Europe and Japan, forcing money into the U.S., which will keep rates low here. If you are a bond investor today, you are getting the royal shaft by not even keeping pace with inflation and getting back 60 to 80 cents worth of purchasing power at maturity for every dollar you invest.

Gold
Gold is an inflationary hedge, nothing more. With no inflation it will be going nowhere fast.

U.S. Dollar
The US dollar will be a major story this year as it gets increasingly stronger due to the enormous Japanese and soon to be Euro stimulus programs. Printing money hurts your economy as we saw a few years ago. That tide has turned.

Real Estate
There is a long-term recovery in real estate underway, but the easy money has been made over the past few years, unless you live near Palo Alto. From here on, I expect a slow grind up until that demographic headwind turns to a tailwind in 2022.

Summary and investor strategy

This year as well as the next few will be good to those who are invested properly with a qualified retirement advisor and have a plan for the good times as well as the bad. The key as you get older is to manage risk properly because it becomes harder to replace this money…unless you don’t mind losing money and plan on working forever. If you are retired or close to it, “how much can I make” is replaced by “how much can I afford to lose” or “how much do I want to lose”. This will ensure you are looking at the big picture and getting the returns you “need,” but with the least risk possible, so you don’t get hurt to badly, or at all, when the market turns down again.

…… and that’s where we can help. To learn more about The Springer Investment Approach, which is our powerful proprietary Investment Management Strategy designed to manage risk and deliver returns in any market, or to get a free second opinion on your portfolio simply reply to this email or give us a call for a free consultation today.

Sincerely,

Keith Springer

916-925-8900

 

 

Posted in Smart Money Newsletter | Tagged , , , | Comments Off

Springer Financial Advisors Beer Tasting and Brewery Tour

brewery_graphicKeith Springer and Springer Financial Advisors would like to invite you to a specially designed brewery tour at Yolo Brewing Company. This is an up and coming brewery located right here in West Sacramento. Like great food, craft beer tastes better when you know how it is prepared and here is your chance to get the firsthand experience. You will be able to experience local, fresh, flavorful hand-crafted beers and for $15 you will have a guided tour of the brewery, see bottling demos, enjoy great food and of course, sample all the beer you would like! Join us at Yolo Brew Tuesday, January 27th 6pm-9pm

Posted in Events | Tagged , , , | Comments Off

2015 Preliminary Key Financial Data

Untitled-2With the new year upon us I thought you would enjoy my Key Financial Data Report for 2015. Be sure to keep it handy. I download mine to my desktop for easy reference.

 

 

 

 

Posted in Smart Money Newsletter | Tagged , , , | Comments Off

The Three Most Important Numbers EVERY Investor Needs to Know About Their Portfolio

`

Do you know what the 3 most important numbers every investor should know about the portfolio? Tune in to Smart Money with Keith Springer as Keith unveils how the most successful hedge fund managers use these figures to create powerful portfolios!  This Saturday at 1pm right here on News Radio KFBK

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. on News Radio, KFBK.

Listen to last week’s show (December 13 ) ,  ” Build A Successful Retirement Portfolio By Avoiding These 5 Key Mistakes” 

Listen to past podcasts

 

Posted in 2014, Smart Money Newsletter | Tagged , , , | Comments Off

Build A Successful Retirement Portfolio By Avoiding These 5 Key Mistakes

`

Tune in to Smart Money with Keith Springer  this Saturday at 1PM on News Radio KFBK as Keith uncovers specific retirement investment strategies to beat these critical but often overlooked retirement mistakes!

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. on News Radio, KFBK.

Listen to last week’s show (December 13 ) ,  “Critical Year End Tax Strategies ” 

Listen to past podcasts

 

Posted in 2014, Smart Money Newsletter | Tagged , , , | Comments Off

The Only Thing The Market Cares About

article imageIt’s becoming clearer by the day. Increased volatility, shocking world events and record earnings may create good headlines but the single most important thing to investors is low interest rates.

With all the talk of low oil prices you would think the world was coming to an end. No, it’s not. It’s actually great for all of us except for a few oil companies and a few investment banks who have too many high-yield bonds of those oil companies. The world consumes about 92 million barrels of oil a day or 34 billion barrels a year. At the $107.50 high a few months ago, that much oil cost $3.6 trillion. At today’s $53.60 price you could buy it for $1.8 trillion. Buy one, get one free….nice. $1.8 trillion has been taken out of the producers’ pockets and been added to the consumers’ pockets!  

As you can see, it’s a tremendous tax cut for every American who will be spending that money elsewhere. Money spent on oil is burned, one-time. Money spent by consumers has a multiplier effect. Spend a buck at Target, and the company has to stock shelves and hire workers, who then have more money to spend, and so on.

Naturally any movement of money this size will cause some disruptions such as the risk of a collapse of the Russian economy. The Ruble has now fallen a staggering 70% in six months, and there is panic buying of everything going on in Moscow.  

However, this decline in oil prices is extremely deflationary because the use of energy is so widespread that it is in the cost of everything. This is good deflation and different from the demographic deflation that I discuss in Facing Goliath – How to Triumph in the Dangerous Market Ahead. This will keep the Fed from raising rates for eons, well past when many fear.

Of course, deflation means other areas will slow, like housing, because home prices will level or fall. This is a major portion of the US economy which, for the most part, has been missing in action for most of this recovery.  

However, if you are retired or close to it, the key is to be properly invested with a qualified retirement advisor. This will ensure you are looking at the big picture and getting the returns you “need,” but with the least risk possible, so you don’t get crushed during the next crash or correction. As you well know, you simply cannot replace this money….so you need a plan…for the good times and the bad…

 …… and that’s where we can help. To learn more about The Springer Investment Approach, which is our powerful proprietary Investment Management Strategy designed to manage risk and deliver returns in any market, or to get a free second opinion on your portfolio simply reply to this email or give us a call for a free consultation today. 

 

Posted in 2014, Smart Money Newsletter | Tagged , , , | Comments Off

Springer Financial Advisors ("Advisor") is a federally registered investment adviser located in Sacramento, California. Advisor and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by the Securities and Exchange Commission and the State of California. Advisor's web site and its emails of general distribution are limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Advisor's web site on the Internet or dissemination of informational emails should not be construed by any consumer and/or prospective client as Advisor's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. A copy of Advisor's current written disclosure statement discussing Advisor's business operations, services, and fees is available from Advisor upon written request.


You may also obtain publicly available information about Advisor through the SEC website as follows: http://www.adviserinfo.sec.gov/IAPD/Content/Search/iapd_OrgSearch.aspx. Advisor does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Advisor's web site or incorporated in an email, and takes no responsibility therefore. All such information is believed to be reliable and authoritative but does not constitute sufficient information to be the sole basis for sound investment decisions and all users thereof should be guided accordingly. Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Advisor) made reference to directly or indirectly by Advisor in its web site, email, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client's investment portfolio. Certain portions of Advisor's web site (i.e. articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Advisor's (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Advisor, or from any other investment professional. The information is of a general nature and should not be applied indiscriminately to particular situations wherein it may not be completely applicable. Advisor is neither an attorney nor an accountant, and no portion of the content should be interpreted as legal, accounting or tax advice.

Springer Financial Advisors, Financial Planning Consultants, Sacramento, CA