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, [...]

I hope you are well and that 2023 is off to a great start. After a very long and uncomfortable 2022, I am hopeful that the worst is behind us and that we can look forward to a better market this year. At least we’re off to a good start. While all the major indexes [...]

In the early 2010s, the great financial crisis of 2008/09 was still on the minds of investors. That coupled with any number of other crises, including the oil spill in the Gulf of Mexico, multiple threatened/one actual shutdown of the Federal government, innumerable debt-ceiling-hike standoffs in Congress, and more. Investors were worried about the future. [...]

As I am sure you are aware, the market is down over the last few weeks, and we are now approaching the lows from mid-June. The thing about down markets is that you never know you have hit the bottom until you can see it in the rear-view mirror. And the other thing about down [...]

There is a lot of talk in the media these day about a recession. We’re in a recession – we’re not in a recession – a recession is coming. So, which one is it? Technically, a recession in the United States is defined by the National Bureau of Economic Research (NBER) and NOT simply as [...]

I hope you all are having a great summer!  Clearly the market could do more to help, but alas that is not the case. It’s amazing how quickly sentiment can change. While there were some rumblings of stormy weather late last year, the market hit six new all-time highs from mid-November until the last one [...]

I hope your summer is off to a great start! I've been enjoying being a first-time grandmother and starting anew by moving into a new house. It is fun and refreshing to clean up and out. As for the markets, it's been frustrating that the U.S. and International stock markets, the U.S. economy, and the bond, real [...]

Higher prices throughout the economy, higher interest rates from the Federal Reserve, and the ongoing Russian war on Ukraine make market participants quite uneasy. And with this uneasiness, the market continues its relentless dive from all-time highs in early January. We know that markets go up and markets go down and this down period will [...]