James Tharin, CFA
Understanding Inherited IRAs: A Quick Guide to RMDs
Inheriting an Individual Retirement Account (IRA) presents both financial opportunities and responsibilities. Knowing the rules for...
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James Tharin, CFA
- Jul 8
- 2 min
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...
212 views
James Tharin, CFA
- Jul 8
- 2 min
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),...
188 views
James Tharin, CFA
- Oct 3, 2023
- 2 min
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...
482 views0 comments
James Tharin, CFA
- Jul 17, 2023
- 2 min
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...
510 views0 comments
James Tharin, CFA
- Apr 6, 2023
- 1 min
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...
634 views
James Tharin, CFA
- Dec 15, 2022
- 2 min
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...
718 views
James Tharin, CFA
- Oct 7, 2022
- 2 min
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...
462 views0 comments
James Tharin, CFA
- Aug 30, 2022
- 2 min
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...
846 views0 comments
James Tharin, CFA
- Jul 13, 2022
- 2 min
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%. ...
885 views0 comments
James Tharin, CFA
- May 25, 2022
- 4 min
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...
1,184 views0 comments
James Tharin, CFA
- Apr 11, 2022
- 2 min
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...
876 views0 comments
James Tharin, CFA
- Feb 17, 2022
- 1 min
The Cat is on the Fence - Which Way will he Jump?
It appears that the bounce off the Covid lows in the S&P 500 that started in late March of 2020 has come to an end, but only temporarily....
296 views0 comments
James Tharin, CFA
- Oct 19, 2021
- 1 min
A Few Charts Worth Watching
The S&P 500 is above its long-term trend line going back to the 1960’s reflecting the post Covid rally. As we have written in the past ad...
422 views0 comments
James Tharin, CFA
- Jul 13, 2021
- 3 min
Time to Make a Few Trades?
Most of the clients of Emerald Asset Management are long term investors who want to participate in the growth of the economy by holding...
381 views0 comments
James Tharin, CFA
- Apr 12, 2021
- 2 min
Hold Your Positions, it’s a Bull Market (duh)
As long term investors, which most of our clients are, the goal is to buy high quality equity investments and hold onto those investments
667 views
James Tharin, CFA
- Jan 13, 2021
- 3 min
From 1950 to 1981 to 2020 - The Big Picture
In 1981 the yield on the 10-year treasury bond peaked at around 15.5% after rising since 1950. Since the early 1980’s interest rates have b
398 views1 comment
James Tharin, CFA
- Oct 5, 2020
- 3 min
What about the Election?
My response is always the same. Political bets are almost always bad bets, at least in my opinion. First of all, this race in particular
406 views
James Tharin, CFA
- Jul 1, 2020
- 2 min
Second Quarter Review
The S&P 500 started this year at 3244.67 and closed out the second quarter out at 3100.29. That translates into a year to date loss of 4.45
116 views0 comments
James Tharin, CFA
- Apr 7, 2020
- 3 min
The Roaring '20's?
I think the last thing anybody needs right now is a recap of the first quarter. Unless you’ve been living under a rock, and I guess...
74 views0 comments
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