I hope you are all well and enjoying springtime. The market hit all-time highs at the end of March and since then has traded lower, reaching a decline of roughly 5.5% last week. This morning the market is down again, although still higher than last week’s low. The move this morning is the result of [...]

I hope you are all well and enjoying a beautiful spring. Asheville is blooming and the longer and warmer days are a welcome change to the gray, rainy winter. Over the past year, the news of several bank failures and other banks requiring capital injections have surfaced memories of the 2008/09 financial crisis. That’s not [...]

I hope you all enjoyed the holiday season, and the new year is off to a great start. I know it’s been cold everywhere. Over the weekend, Asheville got its first snow of the season with low temperatures in the single digits. Brrrrrr! The market has been on a long road back up from the [...]

I hope you are all well and enjoying a great holiday season! One question/comment I consistently hear from clients relates to current events (government shutdowns, deficit spending, wars) and the worry that the market is heading toward a cliff.  I spend a lot of time scanning the horizon looking for coming cliffs. The market goes [...]

I hope you are well and enjoying a beautiful fall.  The colors here in Asheville are spectacular. The market was down again this week and has entered a correction.  (A correction is defined as being down 10% from recent highs.)  You have likely heard a variety of explanations – from the Congressional problems surrounding the [...]

I hope you all had a nice Labor Day holiday, and the end of your summer is going well. You have probably heard something like this exchange before: Question: What do you think the market is going to do over the next few months? Answer: It’s going to go up and down. Sure, that kind [...]

I hope you are all enjoying your summer. Travel seems to be back on the agenda for many clients I have spoken with recently, another great sign of the fading effects of the pandemic. As I have discussed in other writings, the market downturn that began in early 2022 has been remarkable in its length. [...]

White Oak Financial Management, Inc. is happily celebrating 20 years in business this year, and we are so lucky to be serving our wonderful clients. We think we have the best clients in the world and appreciate the continued trust and confidence in good times and tough times. We always have your long-term success towards your goals [...]

I hope you are all well and enjoying the spring. Asheville is getting a fair amount of those April showers and I’m ready for May’s sunshine. Last December, I wrote a letter about green hydrogen and prefaced my comments by saying I’m not taking sides in an argument about climate science.  Ditto for this letter.  [...]

I hope you are all well and enjoying the early spring. The extra hour of daylight that began yesterday makes me look forward to warmer days ahead. Unfolding events over the weekend may remind us of the ghost of Christmas past – a haunting straight out of the 2008/09 financial crisis. In three short days, [...]