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Rethinking Diversification: Why Private Equity Deserves a Place in Your Portfolio
Private equity has evolved from niche to necessary for many high-net-worth investors. This article explores how it can complement traditional stock portfolios by adding diversification, reducing volatility, and offering strong long-term potential.

James Tharin, CFA
11 minutes ago3 min read
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Why U.S. Debt Still Matters for Investors
Recent U.S. debt downgrades highlight growing fiscal concerns. Understand how these changes could influence your investment decisions.

James Tharin, CFA
6 days ago5 min read
13 views
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Why Choosing a Fiduciary Financial Advisor Matters
Not all financial advisors are held to the same standard. While many operate under a "suitability" rule, fiduciary advisors are legally obligated to act in your best interest. This article breaks down the difference and why it matters for your financial future.

James Tharin, CFA
May 194 min read
84 views
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Q1 2025: A Quarter of Diverging Market Performances
The first quarter of 2025 showcased contrasting market movements and heightened volatility. While equities faced pressures, commodities like gold found strength amid economic uncertainty. In our latest review, we share key observations and explain why we remain long-term constructive yet short-term cautious.

James Tharin, CFA
May 73 min read
91 views
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The Mind Games of Investing: Navigating Emotions for Long-Term Success
Even smart investors can make irrational decisions. Discover how behavioral finance helps retirees avoid common traps and stay focused.

James Tharin, CFA
Apr 97 min read
149 views
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Understanding Dividends: How They Can Fit into Your Investment Strategy
Discover how dividend stocks work, potential benefits, and how they fit into your investment strategy for income, stability, and growth.

James Tharin, CFA
Mar 258 min read
185 views
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Streamline Your Digital Life: Smart Strategies for Managing Subscriptions
Subscription overload? Learn how a few simple strategies can help you manage your subscriptions so you only pay for what you truly need.

James Tharin, CFA
Feb 194 min read
181 views
0 comments


Alternative Investments: Beyond the 60 / 40 Portfolio
At Emerald Asset Management, our primary focus is managing stock portfolios for our clients. Our flagship strategy, called the Global...

James Tharin, CFA
Sep 30, 20242 min read
533 views


Understanding Inherited IRAs: A Quick Guide to RMDs
Inheriting an Individual Retirement Account (IRA) presents both financial opportunities and responsibilities. Knowing the rules for...

James Tharin, CFA
Aug 20, 20242 min read
503 views
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What About the Election – A Few Simple Charts
As we enter the election season leading up to November 5th, I expect increased market volatility and an increase in client inquiries...

James Tharin, CFA
Jul 8, 20242 min read
693 views


Should You Convert Your IRA to a Roth IRA?
While Traditional and Roth IRAs offer tax benefits, they differ crucially. Roth contributions have income limits (unlike conversions),...

James Tharin, CFA
Jul 8, 20242 min read
470 views


Headwinds Should Become Tailwinds Soon
The total return for the S&P 500 for the 3rd quarter was a minus 3.27% although the major index has returned a positive 13.07% year to...

James Tharin, CFA
Oct 3, 20232 min read
787 views
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A Tale of Two Markets
The first half of 2023 is done and over and to the novice investor, the stock market looked incredibly strong. The S&P 500 booked a...

James Tharin, CFA
Jul 17, 20232 min read
808 views
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The Best Opportunities Usually Appear During Recessions, Not After
We believe that the economy is currently in or about to be in a mild recession. Most of the indicators that we monitor indicate that the...

James Tharin, CFA
Apr 6, 20231 min read
1,081 views


Will 2023 Be A Better Year?
Most people are well aware that stocks have been under pressure this year. The first chart below shows the selloff as most laypeople...

James Tharin, CFA
Dec 15, 20222 min read
990 views


Watching the Fed
The broad US stock market indices finished down for the third quarter in a row with the S&P 500 coming in at minus 24.77, the Nasdaq down...

James Tharin, CFA
Oct 7, 20222 min read
462 views
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Rule Number Two
The first three rules of investing in the stock market are: 1) the trend is your friend, 2) don’t fight the Fed, and 3) beware the crowd...

James Tharin, CFA
Aug 30, 20222 min read
1,198 views
0 comments


Slowing Economic Activity and Rising Inflation - A Dangerous Combination
You’ve undoubtedly heard by now that the S&P 500 just had its worst six month start to any year since 1970 coming in at minus 20.58%. ...

James Tharin, CFA
Jul 13, 20222 min read
1,157 views
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Stock Market Bottoms Don't Require Capitulation but it Sure Does Help
One of the advantages of getting older is experience and the wisdom that (supposedly) comes with it. I would say that over 30 years of...

James Tharin, CFA
May 25, 20224 min read
1,596 views
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In Case you Haven’t Heard
I hate to be the bearer of bad news but…various parts of the yield curve have started to invert. If I haven’t already lost you, please...

James Tharin, CFA
Apr 11, 20222 min read
1,148 views
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