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Bogue Asset Management’s Quarterly Investment Letter      

Financial market history tells us to expect the unexpected; expect to be surprised.  And positive surprises happen too.  Last year was a tragic one, yet global stocks were up over 16%.  In this latest edition of my Quarterly Investment letter I see the current momentum in the market continuing, but it is not without it's risks.  And I'm beginning to see the headwinds of recent portfolio performance turning into a sustained trend.........[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.