2015 1st Quarter Commentary – The Case for Diversification

The 4th quarter of 2014 and the 1st quarter of 2015, when taken together, show a good example of the value of diversification. During October, November, and the first part of December the price of crude oil dropped precipitously. This unusually large drop in the price of oil effected many parts of the market. However, the three market sectors hit the hardest were:

The Affordable Care Act

As we move into the final months before its implementation, there is still much uncertainty surrounding the Affordable Care Act, also known as Obamacare. We know this is a politically charged issue. We are sending you this commentary, not to remark on the politics of this situation, but to outline how the law could affect you.