Client Portals

Fiduciary Advice

Weekly Articles by Osbon Capital Management:

Raising Cash – New Era Coming

Mar 18, 2020 - Max Osbon ( 7 mins to read)

These are truly unprecedented times. Over the last few days we've stepped out of the traditional wealth management playbook and have sold significant portions of our clients' holdings. What started as a supply chain issue has rapidly turned into a health crisis followed by demand issues and a budding debt crisis. The sequence does not make a lot of sense now but it will eventually play out in full in the financial markets. As it becomes clearer that there is an incredible degree of unknown ri...

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COVID-19 And The Weeks Ahead

Mar 2, 2020 - Max Osbon ( 7 mins to read)

Last week we experienced the first material market reaction to the Coronavirus, aka COVID-19. For months, prices had completely ignored any risks of the virus spreading until finally the news broke that it had reached the United States. This market reaction was a true black swan moment in that no experts or models could have adequately predicted it. Here’s a look at what has happened to date an...

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The Simple Power of a Favor

From time to time, we write about things that have nothing to do with investing...

Dec 18, 2019 - Max Osbon ( 4 mins to read)

Favors are magic. They solve problems and open doors. They demonstrate loyalty and interest. They strengthen relationships. Simple favors can mean so much for the receiver, but they can also pay huge dividends for the sender. Earlier this year a friend of mine, Alyssa O'Toole, a local entrepreneur who runs Musicians Playground, asked me to take a look into her business to see what can be imp...

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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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Four Points to Consider When Holding Debt

May 22, 2019 - Max Osbon ( 5 mins to read)

There are many ways to borrow money. It could be a mortgage, personal line of credit from a bank, home equity line of credit (HELOC), student loan or a personal loan. When done properly, investors can leverage debt to their benefit. While lenders may make efforts to differentiate their offerings, what matters above all else is the rate you’re paying to service the debt. Let’s take a look at the range of interest rates and three other key elements to borrowing.

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