Client Portals

Fiduciary Advice

Weekly Articles by Osbon Capital Management:

Thank You & Gratitude

Nov 26, 2019 - Max Osbon ( 2 mins to read)

In an age of abundance, the communal practice of giving thanks is something to be grateful for in and of itself. Taking the time to give thanks is an opportunity for a perspective reset. It allows us to step beyond whatever challenge-du-jour we have faced and step into a place of empathy and connection. Often caught up in our efforts to continually improve and progress, Thanksgiving offers a welcome reminder to take a step back and truly acknowledge the people, things and experiences we ha...

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Atomic Habits for Investors

Bit by Bit by Bit

Nov 12, 2019 - John Osbon ( 5 mins to read)

I read James Clear’s Atomic Habits last week. It got me thinking about how our performance as investors can be greatly affected by our habits — both our ability to adopt (and sustain) good ones and to break bad ones. Clear’s premise is very compelling; he suggests when we can get down to the atomic level in our thoughts and actions, we can control our habits and produce the results we desire. S...

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When You Are Acquired: The Three R’s To Consider

Nov 6, 2019 - John Osbon ( 4 mins to read)

More than 200 Massachusetts companies have been acquired so far this year. Almost all were privately held. When you are acquired, it’s not just a life-changing liquidity event, it’s validation of your business model and a hard-earned reward for your ideas and long hours. In the big deal, you’ll receive cash, stock and/or incentives to continue working. Then what? Based on my 30 years working wi...

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Considerations Before Every Buy and Sell Decision

Honest investing requires an honest take

Oct 22, 2019 - Max Osbon ( 6 mins to read)

It is easier to make money decisions when you depersonalize them. Think of your investments as a business with very clear profit and loss metrics. Practice the dispassionate discipline of looking at all stakeholders and considering all goals, timelines and risks. Now that it’s late October and just a few months before the close of the calendar year, let’s take a look at the many investment cons...

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Planning Steps for the Fourth Quarter of 2019

Sep 24, 2019 - Max Osbon ( 5 mins to read)

The fourth quarter of the investment year starts next week. This is a convenient time to either validate your progress to date or get back up to speed before the close of 2019. Taxes, trust and estates, life insurance, debt, expenses and cash management are worth taking a look into. Here are some steps to guide you to make sure that your investment house is in order. Check in on your tax-relat...

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The Fiduciary Care Checklist

May 15, 2019 - Max Osbon ( 6 mins to read)

Last week’s Beyond Meat IPO was stellar as the Uber IPO was about to arrive. Then Uber flopped big time. And new tariffs with China sent markets straight down. Events like these can make you wonder what steps you need to take, if any, and which information is practical and useful. Fiduciaries think about this every day. Here’s a checklist for fiduciary care of a portfolio. Classify every item ...

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5 Ways to Focus on Financial Quality of Life

Mar 26, 2019 - Max Osbon ( 4 mins to read)

It’s easy to reduce your financial world to numbers and dollar signs, but there’s much more to the story than that. Expanding your focus to your Financial Quality of Life lets you approach financial information and decisions with a better understanding of your true opportunities and what they mean for you and your family. Here are five ways to give qualitative elements of wealth the attention t...

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Restful Holidays To You and Yours

Dec 26, 2018 - John Osbon ( < 1 minute to read)

By now Hannukah and Christmas are over, and the New Year has yet to arrive. Amidst the ebbs and flows of markets, business and life, this window of time presents a perfect opportunity to simply, relax. Yes, one of the hardest things to do is to relax and enjoy this time of year with loved ones.  At the same time, you can be grateful for all that you have - life, health, challenge, mystery, friends, companions and family. There will be plenty of time in the New Year to talk about investments i...

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If I’m Holding Cash, Where Should It Be?

Nov 14, 2018 - John Osbon ( 3 mins to read)

Intense market volatility over the last few months has been a good reminder that money needed in the next 3 to 24 months should not be in stocks. It should be in a safe, interest-generating investment. The first option that comes to mind is usually bank CDs with FDIC insurance. CDs, like many heavily marketed investment products, are often not the optimal choice. Here is what we are doing with cash today.

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