Copper Beech Advisors Blog

Your Retirement Paycheck

Posted by Timothy Caban on Aug 28, 2015 10:00:00 AM

Buying the Stairway to...Retirement?

What is your plan for making the transition from working life to retirement? Will you need to depend on money that you've saved while you were working?  Most people do. 

How then will you replace your paycheck in a way that is dependable and gives you the confidence that you will be able to weather any financial storms that may arise? 

Consider building a bond ladder.

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Topics: Cash Flow, Bonds, Bond Ladder, Retirement Paycheck, Investments, Retirement

Can You Beat The Market?

Posted by Timothy Caban on Aug 21, 2015 10:00:00 AM


You may have heard your neighbor say he can.  Or a family member.  Or a co-worker.  It may be a question that you kick around in your head once in a while.  Especially when it seems "obvious" that it is time to buy or sell in the market. 


Maybe there is a secret rule out there that you could find, if only you knew the right person?  With all of the "smart" people that claim to have a special strategy to beat the market, how do you know who's right?  

What if there is a better way to answer the question? 

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Topics: Market Timing, Investments

What Happened to Greece?

Posted by Timothy Caban on Jul 30, 2015 10:02:00 AM

As the summer temperatures fade in and out of the hot zone, so too does Greece fade in and out oGreek_Flagf the news.  Constant headlines about the possibility of a Greek default are accompanied by an equal number of predictions about what that might mean for world markets.

Some interesting facts about Greece.  Did you know that the economy of Greece is about half the size of the state of Ohio?  Further, while its debt is large at 180% of its GDP, Greek debt represents about one quarter of 1% of the overall world debt markets.  Everyday, markets are digesting the latest news almost instantaneously, as reflected in current prices.

The question then becomes, what to do about it? 

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Topics: Market Timing, Investments, Greece

Understanding Executive Stock Options - Part I Stock Price

Posted by Timothy Caban on Jun 16, 2015 11:41:00 AM

A Shiny New Car?

How do you decide when to sell your executive stock options?  When it's time to buy a new car?  When the college bill comes due? How can you be sure that you're getting the most out of these key pieces of your compensation?

If you are a successful executive at a large corporation, there is a good chance that you have received some employee stock options and/or some restricted stock as part of your compensation.  You are then confronted with having to decide when to exercise your stock options.  To make a great decision, you should actually consider a minimum of three factors.  In this post, I'll describe all three factors and then focus on one, stock price, in a little more detail.

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Topics: Stock Options, Investments, Stock Price