In the Bible we're told to do ALL to the glory of God. This means not separating certain areas of your life from your faith – even if it means not following the definition of success in the world's eyes. This is why we created the Cornerstone Portfolios. We wanted to
The first week of October was exhausting. We saw so many market moving headlines crossing throughout the day it was hard to see a common theme. After having some quiet time to replay the past 7 days and look at some key data points and Wall Street research reports, we
2020 just keeps on giving us more and more crazy news. With the President dealing with COVID19 along with a large number of people from his administration and members of Congress, the market and economy has yet another unknown to deal with. We don't like dealing with unknowns and will
Each year the Securities & Exchange Commission (SEC) Rule 3a-4 requires SEM to request certain financial information from any client accounts we manage. In previous years SEM has mailed a 1 page form for clients to complete, sign, and return. This information is important for the management of your account,

Planning for more problems
I don’t think any of us will be disappointed to see the calendar turn to 2021. While things have calmed down somewhat since the spring, we still have some things that could go wrong in the final quarter. Here are a few things to watch: