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Bogue Asset Management’s Quarterly Investment Letter      

The global stock markets continued their climb in the first quarter of 2021.  Clearly it did not pay to get out of the markets last spring.  In this letter I will discuss what investment areas should continue to do well moving forward and talk about the return of inflation risk .........[See More]


How your advisor is compensated does matter.  Lately there has been a blurring of the lines with the use of the term “Fee-Based” to describe how one is compensated.  I’ll tell you why Fee-Based is not Fee-Only and the difference can be substantial: [See More]





Cash Flow Management & Budgeting

The foundation to financial success begins with living within your means.  Often this part of financial planning is necessary to be able to fund lifetime goals involving retirement, college, buying a new home, effectively managing debt or other lifetime objectives. 

Cash Flow Analysis and Budgeting Involves:

- Determining current levels of spending
- Identifying how and where you are spending your money
- Differentiating between discretionary and non-discretionary spending
- Identifying what spending categories to reduce or eliminate so you can use that money towards meeting your goals
- Developing a budget to manage your spending
- Developing a process to monitor your progress and adjust if changes are merited.

Cash flow and budgeting is NOT a “one size fits all” process. The approach and the success of that approach depend on the individual.  Bogue Asset Management LLC helps to work with the client to find the approach that fits their style of money management.