This is truly a rousing time to be alive. The political atmosphere and market activity have kept us all engaged. While we at Capstone have been keeping our eye on the markets, evaluating current positions and looking for opportunities, we’ve also been working on some inspiring projects that will enhance our service to you.

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Advisors and Planning

July marked Hillary Hienton’s one-year anniversary with Capstone. After teaching Economics for 13 years and serving three years working part-time as a financial advisor at another firm, she made the commitment to a full-time position at Capstone. Not only does she serve you through the planning and investment process, she has also worked behind the scenes to revamp our website, created valuable client facing planning materials, and planed strategically for the company. Hillary will continue to build relationships with our clients, her favorite part, along with working with Ted to manage investments. She will also start to work on her Certified Financial Planning designation in the coming months.

As mentioned in the last letter, Ted continues to work on his Restylement. He does love his work and can be found in the office most days working on portfolio management and serving clients alongside Hillary.

Jamie spends his time working with clients, managing portfolios, providing leadership and vision for the company, and coaching advisors.

Restylement Planning

As financial advisors, we are available to advise on all of your financial decisions including purchases, spending, investing and risk management.  We help bring clarity when you’re faced with changes in life. In working with clients we notice that when faced with a transition such as a pending retirement, making changes to spending in retirement, buying property, starting a business, or paying for college there is a need for guidance and clarity.  Fortunately, we have tools such as Money Guide Pro to look at your whole financial picture.  We use Riskalyze to present the whole picture visually by analyzing your required rate of return and your retirement map to show the income you can expect in retirement. Have you recently been the benefactor of an inheritance? Have you changed jobs and need guidance on what to do with your 401K? Do you have pending college tuition bills or want to buy a house? Please don’t hesitate to use us as a resource when making financial decisions. We are here to help.

Investment Committee

Capstone has revitalized the investment committee. With Ted’s leadership and passion at the helm, we are working on portfolios as a team that also includes Jamie Cornehelson, Hillary Hienton, and Ryan Turbyfill. The team will build, maintain, and change portfolios to meet your financial goals. The process includes our ongoing due diligence process, in which we essentially “manage the managers” that we hire for you.

As mentioned in Ted’s earlier blog,

“Concentrating on the 4 Ps- people, philosophy, process, and performance. While performance is, of course, important it is last on that list for a reason. When the regulators insert the term “past results are not a guaranty of future performance,” they are not kidding. Bernie Madoff had great performance, but…scrutiny of people, philosophy, and process should have raised many red flags. We overweight caution and humility in our assessment of people, the first P and the one that drives the others. In baseball terms, that means that we tend to look for singles and doubles hitters rather than home run hitters. We think this is worthwhile risk management for you as home run hitters tend to strike out quite often. That conflicts with our belief that you want to meet your own financial goals with as little risk as necessary.”

Social Media – blogs (Interesting and Digestible)

Please follow us on Facebook and Twitter. We strive to create and share content that is relevant and digestible along with some community events. If there is something, in particular, you would like to see, please let us know. We hope our efforts are interesting and engaging.

We look forwarding to seeing you and serving you. If there is anything we can be of assistance for, please reach out. It is our pleasure to help in any way we can.