Three Key Misconceptions Keeping you From Retiring with Confidence

By Jason Eagle   |   May 16, 2019

As a JOYN Financial Advisor specializing in retirement planning, I’ve heard a wide range of questions on retirement. Yet, I generally give the same answer: It Depends. That’s because retirement planning is complicated, and no one wants to make big life decisions like retirement without fully understanding the context of their own situation. Why? Because we are humans with emotions and big life-altering decisions and an uncertain future terrifies most people. Most of us want the confidence that we will be okay,…  Read More

The Freedom Quiz: How Free Are You?

By David Geller   |   May 16, 2019

We all want our freedom. When we meet with clients in their working years, many of them focus on financial freedom: the freedom to buy the things or experiences they desire. The freedom to travel in the style they have become accustom to, the freedom to pay for their child’s college education, or the freedom to purchase a beach our mountain home. The assumption is that freedom and money rise and fall together. More money means greater freedom. Less money means less…  Read More

Trade Winds Blow Amidst Market Volatility Over U.S. – China Trade Relations

By John Steele   |   May 15, 2019

Last week, market volatility spiked amid heightened focus on U.S.-China trade relations. Risk assets had been trending higher through much of 2019, but higher U.S. tariffs on Chinese goods and increased skepticism about negotiation prospects going forward weighed on markets. Ahead of the Chinese delegation arrival in Washington, U.S. officials indicated China was backtracking on certain pledges from previous negotiations. President Trump threatened and later followed through on increased tariffs from 10 percent to 25 percent on $200 billion of…  Read More

Adrienne’s Corner: Why it’s Important to Explore Your Money Messages

By Adrienne Criste   |   May 15, 2019

At JOYN, we believe money is simply a tool to enhance your life. And while that is the truth, getting to a place within yourself to accept this truth can be a challenging process. The reason? Money is incredibly emotional. Money is a complex beast. It’s an anxiety magnet that can drive fears and stir uncertainty. Yet when you have a healthy relationship with money it can bring elation and support what’s truly important in your life. Furthermore, our thoughts and beliefs…  Read More

2018 Year in Review

By John Steele   |   January 29, 2019

2018 gave financial markets quite the rollercoaster ride, leaving equity investors feeling nauseated at times from the day to day volatility. When the dust settled, municipal bonds finished the year with positive gains while most asset classes were solidly in the red. Both international developed and emerging market equities posted double-digit losses in 2018 after outperforming US equities in 2017. Valuations within these asset classes are attractive and fundamentals remain strong even as they experienced a challenging year. International stocks were negatively…  Read More

What We Can Learn From 2018

By David Geller   |   January 25, 2019

We were reminded that stock and bond markets go both up and down. Down markets are often hard to stomach. JOYN advisors spent lots of time talking to clients to help calm their nerves and maintain their disciplined investment approach. If you are nervous, please give us a call. Even in a year where virtually all asset classes declined, diversification helped cushion the blow. Portfolios with bonds outperformed more equity-oriented portfolios. In December, international (MSCI EAFE) and emerging market (MSCI EM)…  Read More

JOYNing with Ebenezer Scrooge: A Fresh Take on “A Christmas Carol”

By David Geller   |   December 13, 2018

Our tale begins, as so many tales do, in a north Atlanta midrise office building… At late evening on this Christmas Eve, most of the offices are darkened. The parking deck is nearly barren. A lonely security officer on the plaza raises her eyebrows at the sight of a stooped older man with a stovepipe hat covering lank white hair, and a face as craggy as Brasstown Bald. However, she has seen much stranger things at the Dragon Con parade. So,…  Read More

When the Market is Plunging, Can I Trust Myself Not to Panic and Sell?

By David Geller   |   December 13, 2018

The general answer to this question is no. And why? Because you’re human. Please note, this is not a character flaw. It’s faulty wiring that every person on the planet has inside them. So, why the disconnect? Reason #1: We are terrible at predicting how we will behave in the future.  Our inability to predict how we will act in the future is called forward-looking myopia. David DeSteno is a widely celebrated author and professor of Psychology at Northwestern University. In his…  Read More

JOYN Director of Investments Discusses Turbulent Emerging Market, Continued Advantages of the Asset Class

By Jarrett Oakley   |   December 13, 2018

Recently, Jarrett Oakley, director of marketing sat down with John Steele, director of investments at JOYN, to discuss the turbulence surrounding emerging markets and to break down the status of the asset class. Below please find their Q+A discussion. “So John, where do we stand today in emerging markets?” Emerging markets have experienced a volatile 2018, entering bear market territory (defined as a 20 percent drawdown from peak level) after falling 25 percent between late January and the end of October.…  Read More

Prepare Today for Future Caregiving Challenges – for Yourself or a Loved One

By David Geller   |   December 12, 2018

JOYN’s Behavior Wealth Management model teaches that your wealth is much more than just money.  A key element of wealth is it helping you nurture relationships with your spouse or partner, parents, siblings and other family members. If you haven’t already, you probably someday will face difficult conversations, and complex and frightening decisions, about caregiving for an aging family member. You may need to address: Where he or she should live? Which daily activities are still practical and safe? What kind…  Read More