Insights

August 15, 2017

How Much Are Fund Fees Costing You?

By James Behr Jr


Imagine you are driving down the road and notice the much-dreaded gas light is blinking on your dashboard. You pull up to an intersection and spot a gas station on the left, advertising a price of $2.75/gallon, and another gas station on the right, with an advertised price of $2.45/gallon. Which way do you turn? […]


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July 18, 2017

Self Employed Retirement Plans: You Have Options!

By James Behr Jr


  We know that self-employed Americans already have a lot on their plate however we wanted to take the time to discuss retirement plan options that could provide increased benefits over traditional retirement accounts. Certainly, majority a of people are familiar with the traditional 401(k) plan, but when considering small-business retirement plans, there are typically […]


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June 23, 2017

The Death of “Death Taxes” in New Jersey

By Scott Miller, Jr.


On October 14, 2016, Governor Chris Christie enacted a new law that will dramatically change the role of “death taxes” in New Jersey. “Death taxes” refer to estate and inheritance tax, which are incurred by heirs following the death of a relative. New Jersey, along with Maryland, are the only two states that levy both […]


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June 19, 2017

Department of Labor Fiduciary Rule

By James Behr Jr & Christopher Paleologus


You may have heard of the Department of Labor’s (DOL) Fiduciary rule that went into effect on Friday, June 9, 2017 and the confusion surrounding it. This rule requires that anyone who provides advice on retirement assets must abide by new impartial conduct standards. This includes all financial professionals, no matter what they may call […]


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June 8, 2017

Welcome to Our Summer 2017 Interns!

By Justin Capetola


  We are excited to have our three interns here with us for the summer. Welcome to the Blue Bell PWM team Kevin, Ryan and Pete! Kevin Scott:             Kevin was born in Lansdale, PA, eventually moving to Telford and now residing in Quakertown, Pennsylvania with his parents and older sister. Kevin attended Lansdale Catholic […]


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June 6, 2017

Beware “Hidden” Costs in Mutual Funds

By James Behr Jr & Christopher Paleologus


Since the 1960’s, mutual funds have seen an exponential increases in demand. Mutual funds have basically become a “go-to” investment for retail and institutional investors alike. According to Investopedia, over $28 trillion is currently invested in mutual funds worldwide! Today, investors often praise mutual funds for their diversification and professional management. However, what is rather […]


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May 23, 2017

Survivorship Bias

By James Behr Jr & Christopher Paleologus


In recent years, professional baseball player Yasiel Puig has served as an inspiration for young athletes yearning to go from “rags to riches.” Puig, a 26 year old migrant from Cuba, has captured the attention of baseball fans with his speed, strong arm, and gregarious personality. His ability and personality helped solidified a seven-year, $42 […]


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May 16, 2017

Hindsight is 20/20

By James Behr Jr & Christopher Paleologus


Amazon, Inc. had its initial public offering (IPO) 20 years ago this past Monday on May 15, 1997 and has grown to become arguably the most disruptive force in the retail and technology space today. The stock price has gained an astounding 36% compounded annually since its first day of trading. According to The Wall […]


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May 10, 2017

The Only Thing We Have to Fear is Fear Itself

By James Behr Jr & Christopher Paleologus


The CBOE Volatility Index or “VIX” is an index that measures the market’s expectation of volatility over the next 30 days. The actual computation of the VIX is complicated but is based on current S&P 500 option prices and the expected future option price movements. Investors that are worried about large moves in the market […]


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April 24, 2017

“Frexit” Odds Decrease

By Scott Miller, Jr.


The European markets and the majority of developed country stock markets are rallying on Monday after the first round of voting in French presidential election. Emmanuel Macron and Marie LePen will now face off on May 7th. This was considered the ideal scenario for the future of the European Union as polling predicts that pro-EU […]


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April 19, 2017

109 Days Without an Accident

By Scott Miller, Jr.


I recently walked into a local deli and noticed a sign proudly displayed which read, “78 Days without an accident.” I assume that between the knives, meat slicers and grill, 78 days is quite an accomplishment. The Dow Jones Industrial Average bested that streak going 109 days without a closing drop of more than 1%.  […]


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April 12, 2017

5 Common Mistakes Made When Purchasing Closed-End Funds

By James Behr Jr & Christopher Paleologus


Closed-end funds (CEFs) are one of the core investments utilized at Blue Bell Private Wealth Management and we think it is necessary to educate people about the mistakes that are often made when purchasing closed-end funds. Below are the five most common mistakes that we believe occur with investors who purchase CEFs. 1. Buying Closed-End […]


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April 5, 2017

5 Questions You Should Be Asking Your Advisor

By James Behr Jr & Christopher Paleologus


Below is a list of questions that everyone should ask their current or potential investment advisor. While this is not a comprehensive list of questions, this can serve as a great starting point. 1. Are you a fiduciary? Your advisor should always be a fiduciary. They are required by law to act in their client’s […]


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March 28, 2017

It’s Not Timing the Markets, but Time IN the Markets

By James Behr Jr & Christopher Paleologus


Too often investors attempt to time the market and follow media headlines proclaiming the stock market is either headed for new highs or on the verge of a crash. This has been evident over the past few weeks with headlines reading “Dow Volatile After Losing Streak,” “The Trump Stock Market Rally is Under Siege,” and […]


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March 21, 2017

Plan Now for Less Pain Later

By James Behr Jr & Christopher Paleologus


Whether you are approaching retirement or still in the height of your working years, it is always a good idea to review your estate plan and named beneficiaries on accounts. We have discussed in the past the benefits of doing such here and here. Naming beneficiaries can direct your money to your loved ones in […]


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March 8, 2017

Don’t Let Annuities Eat You Alive

By James Behr Jr & Christopher Paleologus


This past weekend, Philly.com published two articles discussing fixed-index annuities and the potential harm they pose to elderly people and savers in general. Both articles can be found here and here and we highly recommend everyone read them. We almost never recommend that any of our clients purchase annuities at Blue Bell Private Wealth Management. […]


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February 22, 2017

How Pay to Play May Be Holding You Back

By James Behr Jr & Christopher Paleologus


In our previous article, we discussed how President Donald Trump ordered the Department of Labor to review the investor protection rule, otherwise known as the fiduciary rule. The review was to determine if the rule would cause any likely harm to investors, including the price of advice, industry impacts and increased litigation. While many now […]


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February 13, 2017

Trump Signs to Delay Fiduciary Rule. What does this mean for investors and investment professionals?

By James Behr Jr & Christopher Paleologus


Blue Bell Private Wealth Management always has and always will be a fiduciary. On Friday afternoon February 3, 2017, President Donald Trump signed an executive order to delay, with the expectation to revoke, the passing of the fiduciary rule that was set to go in effect in April 2017. How would the fiduciary rule affect […]


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February 2, 2017

One Reason Why Prices at Your Favorite Restaurant’s Prices Keep Rising

By James Behr Jr & Christopher Paleologus


Remember a time where McDonald’s dollar menu actually had items that were a dollar? McChickens, chicken nuggets, and cheeseburgers; each of these could be purchased with a single crisp dollar bill. Those times are long gone. Their dollar menu has ceased to exist; it’s now called a value menu. The price of everything on that […]


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January 10, 2017

Wall St. Strategists 2017 S&P 500 Projections

By James Behr Jr & Christopher Paleologus


As 2016 has come to an end, we like to take a look back at the projections for the S&P 500 index that top Wall St. strategists made for the year and what they are expecting for 2017. Returns in the S&P 500 for 2016 were aided by a 4.64% gain following the presidential election and finished […]


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December 20, 2016

Year-End Financial Check-Up

By James Behr Jr & Christopher Paleologus


As we approach the end of the year there are a few financial moves you can make that will help you manage your savings accounts to ensure you are on the path to retirement. These include decisions you can make to help lower your taxes for the year 2016 and planning adjustments you may want […]


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December 7, 2016

Investing & Money in Your 50s

By James Behr Jr & Christopher Paleologus


When many people reach their 50s, they may come to the daunting realization that they do not have enough money saved for their retirement.  Furthermore, as modern medicine continues to advance, people are living longer and many financial experts recommend preparing to have retirement funds available to last 40 years or more. Lifestyle plays a […]


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November 29, 2016

Investing & Money in Your 40s

By James Behr Jr & Christopher Paleologus


Anyone who is in their 40s and is roughly midway through their career or “work-life” has faced, and hopefully conquered, significant challenges financially and in life and begun focusing on saving for major life events. These can range from the purchase of a new home to planning for a child’s education expenses but retirement planning […]


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November 15, 2016

Investing in Your 30s; The Do’s and Don’ts

By James Behr Jr & Christopher Paleologus


In continuation of our discussion regarding certain money mistakes to avoid at the various stages of your investment life, we will continue with those who are in their 30s. With an additional decade of working under your belt, more investment options will arise. Unfortunately, this decade of newfound capital also means more complex expenses to […]


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November 10, 2016

Closed-End Funds Year End Distributions Explained

By Scott Miller, Jr.


****Your online account value may appear lower than what it really is because of accrued (earned) but unpaid distributions****   Tis the start of the holiday season and along with Thanksgiving, Chanukah and Christmas comes year end Closed-End Fund distributions. Towards the end of each year Closed-End Funds (CEFs) must distribute realized capital gains. These […]


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November 9, 2016

Reaction to the U.S. Presidential Election

By Scott Miller, Jr.


Please do not hesitate to pick up the phone and call or email a member of our team regarding the election results and how it affects your portfolio. We want to be sure that you are aware we are here to speak with you individually and address any inquiries you may have regarding your current […]


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November 8, 2016

Investing In Your 20s; The Do’s and Don’ts

By James Behr Jr & Christopher Paleologus


When it comes to money, everyone makes mistakes. Luckily, if you are in your 20s you have plenty of time to recover. These years can provide you with important lessons for future decisions, and the amount of time you have before retirement can minimize any investing mistakes you are likely to make. Our goal is […]


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November 1, 2016

Choose the Alternative of Alternative Investments

By James Behr Jr & Christopher Paleologus


In continuation of our discussion about which investment vehicles investors should avoid, we will now focus our attention to alternative investments. More specifically, we will discuss the importance of investors excluding Non-traded Real Estate Investment Trusts (REITs), Private Placements, Hedge Funds, Venture Capital Funds, and Private Equity Funds from their portfolios to avoid thwarting investment […]


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October 18, 2016

Steer Clear of Mutual Fund Fees and Closed End Fund IPOs

By James Behr Jr & Christopher Paleologus


Last week, we discussed the importance of avoiding Equity-Indexed Annuities which give the illusion of principal protection and growth. This week, we will discuss how investors should ignore and avoid specific Mutual Funds and Closed End Funds (CEF) sold at the Initial Public Offering (IPO) in order to remain steadfast on the path to reaching […]


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October 11, 2016

Could An Annuity Be Hurting Your Retirement Goals?

By James Behr Jr & Christopher Paleologus


We have written a lot about what we like to invest in for our clients and what we think investors should be doing to prepare for retirement. Over the course of the next few weeks we will be discussing investments that we feel almost every investor can ignore and avoid with complete confidence. These investments, […]


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Will Millennials Be Ready for Retirement?

By James Behr Jr & Christopher Paleologus


Most millennials, people aged 18 to 34, are unprepared and under educated on the importance of saving for retirement. A survey found that 40% of millennials do not have a retirement savings account, and nearly 75% do not know their own net worth. This is concerning as they are believed to be one of the […]


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September 2, 2016

Purchasing CEFs at a Discount to Net Asset Value

By James Behr Jr & Christopher Paleologus


Would you ever buy something worth $1 for $1.01 or more? This is a question Morningstar recently posed in an article about Closed-End Funds (CEFs) on their website. The exact question was, “Would you ever buy a CEF that was trading at a premium to NAV?” and can be read here. Surprisingly, only 53% of […]


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August 30, 2016

Is an In Service Distribution Right for You?

By James Behr Jr & Christopher Paleologus


We have long understood that the investment choices inside of 401(k) plans certainly have a lot of room for improvement. The fees are high, investment choices are slim, and the options for how and when to invest are limited. For those who are unhappy with their current retirement plan there may be another option for […]


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August 17, 2016

Don’t Be Afraid of Our Periodic Table

By James Behr Jr & Christopher Paleologus


    (Click to enlarge) The above chart is known as the “Periodic Table of Investments” and illustrates the previous 10 years annual performance of eight different asset classes. The asset classes represented in this particular chart are Large Cap Equities, Mid Cap Equities, Small Cap Equities, International Equities, Emerging Market Equities, Commodities, Bonds, Inflation […]


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August 9, 2016

Is Your IRA Distribution Tax-Free? The Answer May Surprise You

By James Behr Jr & Christopher Paleologus


In 2015 Congress voted to make Qualified Charitable Distributions (QCD) a permanent part of the tax code. If you have to take a required minimum distribution (RMD) from your IRA account (all of those over the age 70 ½ with traditional IRAs must take them each year), you have the ability to direct that distribution […]


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August 4, 2016

10 Behaviors that Lead to Underperformance

By James Behr Jr & Christopher Paleologus


“In 2015, the average equity mutual fund investor underperformed the S&P 500 by a margin of 3.66%. While the broader market made incremental gains of 1.38%, the average equity investor suffered a more-than-incremental loss of -2.28%” –Dalbar’s 22nd Annual Quantitative Analysis of Investor Behavior. This is not a one year aberration but a long term […]


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July 27, 2016

The Benefits of Naming Beneficiaries in Your IRA

By James Behr Jr & Christopher Paleologus


For most people, naming beneficiaries for retirement assets or life insurance policies happens one time – when the account or policy is first started. Typically the named beneficiary is their spouse, after that it’s usually their children, at which point it will most likely never be thought about again. While no one likes to think […]


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July 21, 2016

Embarking On A 3,000 Mile Ride For A Great Cause!

By Jon Sobotkin


Blue Bell Private Wealth Management p/b Cannondale team member Jared Fenstermacher is embarking on a 3,000 mile ride from Astoria, Ore., to Ocean City, NJ. He hopes to raise $10,000 for For Pete’s Sake Cancer Respite Foundation, a non-profit organization that provides adult cancer patients, their caregivers and loved ones a break from cancer. FPS provides […]


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July 19, 2016

Don’t Allow Sensational Media Headlines to Affect Your Retirement Portfolio

By James Behr Jr & Christopher Paleologus


“U.S. stocks hammered as Brexit shock rocks markets,” “Worst day in 10 months as Wall Street reacts to Brexit,” and “Brexit Panic – Should You Sell Your Stocks?” are just a few of the headlines following Britain’s decision to leave the European Union on June 24th, 2016, just a little over 3 weeks ago. Today […]


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July 13, 2016

Q2 2016 Update

By Scott Miller, Jr.


There was no shortage of news during the first half of 2016. There was also no shortage of volatility, as we predicted in our first quarter newsletter. We spent a great deal of time in that newsletter discussing crude oil prices, both the positives for the consumers and the negatives for some U.S. companies. A […]


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July 6, 2016

Meet Our Summer Interns!

By Justin Capetola


We are happy to have our three interns here working with us for the summer. Below are brief biographies on each one. Meghan Lui Meghan is a native of the greater Philadelphia area, raised in Collegeville, PA. She is a junior at Duquesne University where she majors in Accounting and Legal Studies. She is a member […]


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June 24, 2016

“Brexit” Stage Left

By Scott Miller, Jr.


On Thursday the people of the United Kingdom voted in the British Exit Referendum (Brexit) to take United Kingdom out of the European Union to the surprise and disappointment of markets across the globe. The referendum was initiated by parliament and Britain’s Prime Minister, David Cameron, in their attempt to win their elections in 2015. The […]


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June 22, 2016

The Impact of Rising Rates on You

By James Behr Jr & Christopher Paleologus


On June 15th, the U.S. Federal Reserve, commonly referred to as the Fed, made the decision to maintain the federal funds rate of 0.25-0.50%. The Fed cited slow economic growth, low inflation rates, a possible British exit from the European Union (“Brexit”), and a high unemployment report for May. The Federal Reserve has been in […]


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June 17, 2016

A Social Security Strategy that Could Benefit You

By James Behr Jr & Christopher Paleologus


On April 30th, 2016, the Social Security Administration ended the popular claiming technique known as “file and suspend,” which allowed couples to increase their lifetime benefits. Even though this strategy is no longer available, a second strategy, the “restricted application,” is still available to people born before January 1, 1954. What is the “Restricted Application”? […]


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June 13, 2016

Scott Sr. is a grandfather for the 4th time!

By Justin Capetola


Congratulations to Megan and Dan Galbally (Scott’s daughter and son-in-law) on the birth of their beautiful baby girl! Paige Justine Galbally was born this morning at 4:00 AM. Both mother and baby are doing well and everyone is excited for the new addition to their family.


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June 10, 2016

Welcome Miguel L. Biamon to the Team

By Justin Capetola


It is our pleasure to announce that Miguel Biamon will be joining Blue Bell Private Wealth Management in the position of Senior Investment Advisor. Miguel brings twenty years of experience and a proven track record of success in the financial services industry. He most recently spent 13 years at the Bryn Mawr Trust Company holding […]


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Your Weekly News & Updates

By James Behr Jr & Christopher Paleologus


Sending you into the weekend, here are some of the interesting articles the team at Blue Bell has been reading this week. We hope that you find this information useful and informative. Have a great weekend! A Simple Recipe for the 50-Year Investor “With a 50-year investment period, the average American’s retirement can be fundeded […]


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June 6, 2016

How Much Could Your Children’s Diploma Cost You in the Future?

By James Behr Jr & Christopher Paleologus


Do you or anyone in your family know someone that will be attending college in the future? Do you know that higher education tuition costs have increased faster than all other expenses for families over the past quarter century? Since 1983, college tuition and costs have risen 722%! J.P. Morgan Asset Management released a study […]


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June 3, 2016

Your Weekly News & Updates

By James Behr Jr & Christopher Paleologus


Sending you into the weekend, here are some of the interesting articles the team at BBPWM are reading. We hope that you find this information useful and informative. 20 Common Investing Mistakes Be sure you set a plan and don’t let emotions steer you off course, says Morningstar’s Russ Kinnel. Click Here to Read Say ‘yes’ to […]


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May 23, 2016

A Lesson in Compound Growth

By Jon Sobotkin


Happy National Lucky Penny Day! Would you rather have 1 million dollars today or a penny doubled every day for 30 days? If you started with one penny and doubled it each day for thirty days, you would have about $11 million! National Lucky Penny Day is observed each year on May 23rd. See a […]


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May 19, 2016

Despite the Appearance of Calm, Volatility is Back

By James Behr Jr & Christopher Paleologus


We have invested in Structured Investments through bull, bear and flat markets and continue to recommend them because of their ability to provide both partial downside protection and upside potential. What is a Structured Investment? First, it is important to remember that the term Structured Investment/Product/Note is just that – a generic moniker used to […]


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May 12, 2016

Now that you have changed jobs, what do you do with your old 401(k)?

By James Behr Jr & Christopher Paleologus


Ignoring your past employer’s 401(k) can be easy but rolling it over to an IRA could be just as easy and more beneficial in the long run. When you leave a company you have a multiple options with your 401(k). You can roll over your 401(k) into an IRA, keep it with your previous employer’s […]


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May 2, 2016

Estate Planning Checklist

By James Behr Jr & Christopher Paleologus


You may have seen estate planning mentioned a lot recently in the news regarding the late musician Prince who passed away without his estate in order. Not only can this keep your loved ones from receiving your assets, it can lead to a long, costly process that often results in battles between them as Prince’s […]


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April 5, 2016

Is Your Advisor Working in Your Best Interests?

By James Behr Jr & Christopher Paleologus


  • Is your advisor prioritizing you? • Are you working with a fiduciary? • Are you working with an advisor that receives compensation for selling financial products? • What is the difference between a broker, a fee-based advisor, and a fee-only advisor? Broker – Paid commissions for each order placed for securities executed on […]


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March 22, 2016

One investment strategy for greater income and less risk

By James Behr Jr & Christopher Paleologus


One of the principles at Blue Bell Private Wealth Management is minimizing risk while achieving reliable investment returns. For investors looking to reduce risk and increase income, covered call option writing may work well within existing equity portfolios. This strategy can achieve market returns with less risk than the average mutual fund investment. Covered call writing is […]


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February 10, 2016

Would you like to buy $1 for 85 cents?

By James Behr Jr & Christopher Paleologus


The question we pose to you may seem too good to be true. You may say, “No one would give me $1 for 85 cents.” Allow us to introduce you to closed-end funds (CEFs). A closed-end fund is a publicly traded investment company that invests in a variety of securities, such as stocks or bonds, […]


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January 7, 2016

2016 Year End S&P 500 Projections

By Justin Capetola


With the bull market entering its seventh year, strategists on Wall Street are expecting another year of gains but with more volatility along the way. Last year market strategists were looking for a rise in stocks of 10% or more. There were several issues that caused stocks to lag in 2015: the uncertainty surrounding the […]


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December 11, 2015

IRA vs 401(k)

By James Behr Jr & Christopher Paleologus


Are your retirement savings invested in the best type of account for you? Identifying that you need to save for retirement is an important first step but knowing what types of accounts your money should be held in is a close second. Two of the most common accounts are the 401(k) plan offered by employers […]


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October 9, 2015

Charitable Giving: Stock or Cash?

By Justin Capetola


As we approach the end of the year, many investors consider making charitable gifts to their favorite charities.  Often, these gifts are made via cash or check. Investors may receive more tax benefits for their gifts by donating long-term appreciated stock instead. Comparing the Tax Benefits When you gift cash or stocks, you may potentially […]


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August 31, 2015

What Happens When the Fed Raises Rates

By Justin Capetola


To move the U.S. economy out of the carnage left from the Great Recession, the Federal Reserve Bank adopted a near zero interest rate policy almost 8 years ago. This policy, along with FOMC operations such as QE1, QE2, etc. was unprecedented and has had an enormous impact on the stock market. The FEDs balance […]


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May 28, 2015

The Basics of Pennsylvania and Federal Death Taxes

By Justin Capetola


We are often asked by our clients how their property will be taxed upon their deaths. While we are not qualified to provide specific legal and tax advice, we wanted to share some of the basics of the Pennsylvania Inheritance Tax and the Federal Estate Tax. Pennsylvania Inheritance Tax: this is a tax levied on […]


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April 15, 2015

Blue Bell PWM is 10 Years Old!

By Justin Capetola



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March 2, 2015

Walk the Bases – We Will Treat Your Children or Grandchildren!

By Justin Capetola


Blue Bell Private Wealth Management and Affinity Financial Partners have teamed up with For Pete’s Sake Cancer Respite Foundation to give your young children and grandchildren an opportunity to actually walk the bases at Citizens Bank Park and at the same time benefit cancer sufferers in their time of greatest need. For adults that can […]


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February 6, 2015

What if you could reduce the ups and downs of the stock market?

By Justin Capetola


If you are like other investors, you expect to see your investments grow over time.  However, along this path to long-term growth, there will be turbulent times that could cause you to question your decisions:           Am I invested in the right place?           Is investing for me?           I’m not sure I can handle […]


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December 29, 2014

2015 Year-End S&P 500 Projections

By Justin Capetola


With the bull market entering its sixth year, strategists on Wall Street are expecting another year of gains but with more volatility along the way. Of the 22 strategists we researched, all remain optimistic for the stock market in 2015, even with an anticipated interest rate hike by the Fed, falling oil prices and weakness […]


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December 17, 2014

Black Gold Loses Glitter and has the Stock Market Seeing Red

By Scott Miller, Jr.


If you have filled your car up recently you were probably pleasantly surprised by the decline in gasoline prices.  Lower prices at the pump have been a direct result of plunging crude prices, something many consumers have been wishing for.  Lower prices at the pump put more money directly into consumers’ pockets and theoretically this […]


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December 8, 2014

Closed-end Fund Year End Distributions

By Scott Miller, Jr.


Tis the start of the holiday season, and along with Thanksgiving, Chanukah and Christmas comes year end closed-end fund distributions.   These distributions can be quite large and can make it appear as if your account has lost value until the distributions are paid.  Take for instance the closed-end fund General American Investors (symbol: GAM).  GAM […]


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November 21, 2014

Tax Planning Can Improve Your Investment Returns

By Scott Miller, Jr.


It is obvious that you enjoy earning profits from your investments. It is also obvious that very few investors enjoy paying taxes on their investment gains.  One aspect of investing that should not be overlooked is tax loss harvesting.  Tax loss harvesting is the process of reducing the taxable amount of a portfolio by offsetting […]


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October 19, 2014

Putting Volatility in Perspective

By Justin Capetola


27 Years ago today… You were probably grooving to the sweet sounds of Whitney Houston’s, I Wanna Dance with Somebody (Who Loves Me), while… The market was crashing, struggling through the biggest single day decline in history also known as Black Monday.  Putting Volatility in Perspective On this date in 1987, the S&P 500 fell 20.5%.  This […]


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October 8, 2014

3rd Quarter Market Recap

By Scott Miller, Jr.


In our January newsletter, we wrote about the numerous market prognosticators predicting an “Imminent 10% decline in the US equity markets.” Another quarter has passed without the equity markets suffering through this expected correction. A pullback of 10% or greater will certainly come. However, as we have said many times, “Trying to time the stock […]


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August 29, 2014

The Importance of Powers of Attorney: A Case Study

By Justin Capetola


Last month, Philip, a client, called our office about his mother Sarah. She had suffered a stroke and was incapable of speaking. He was upset because the doctors would not discuss her medical care issues with him. The reason for his call was that he needed to access Sarah’s money to take care of her […]


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August 18, 2014

Riding the Stock Market Roller Coaster

By Justin Capetola and Drew Balis


For many investors, successfully investing in the stock market can be akin to children conquering their fear of a massive roller coaster. Watching the ride from afar and seeing other people hold their hands up in anticipation, it all seems so fun and draws you in imagining the thrilling possibilities, but the huge drop makes […]


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July 18, 2014

The Importance of Building Good Credit

By Justin Capetola


Credit history is one of the most important aspects of a person’s financial life. Your credit history is the driving force behind the ability and cost of obtaining a mortgage to buy a home, financing the purchase of a new car, securing a loan to start a business, or simply obtaining a credit card. A […]


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July 11, 2014

They Will Be Right…Sooner or Later

By Justin Capetola


Hardly a day passes without another market guru predicting an imminent 10% or greater drop in the U.S. equity markets. Take for example the June 30th Yahoo article “Common Sense Says Look Out for a Market Drop.” Yet, in the face of much worry and skepticism coming from the various news outlets, the equity markets […]


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June 20, 2014

Annuities – If They Sound Too Good To Be True, They Probably Are

By James Behr Jr & Christopher Paleologus


Many variable annuities and index annuities promise a guaranteed return with upside stock market potential. You may have heard “You go up when the market goes up but you won’t go down when it goes down.”  What’s the catch? Let me begin by stating that the comments below refer to annuities sold as investment vehicles […]


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The Key to Closed-end Fund Rights Offering is Oversubscribing

By Scott Miller, Jr.


The closed-end funds H&Q Healthcare Investors (HQH) and H&Q Lift Sciences Investors (HQL) recently announced non-transferable rights offerings to each respective fund. HQH invests in public and private companies in the healthcare industry while HQL invests in public and private companies in the life sciences industry. Many may have heard the term “rights offering” tossed […]


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June 6, 2014

While We’re Young!

By Justin Capetola


In the chart “Benefit of Saving Early”, you can see a very valuable lesson is being taught. Much like the quote “While we’re young!” from the movie Caddyshack, you shouldn’t be taking too long in deciding whether it’s a good idea to save money earlier rather than later. Sure it is great to take your […]


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As January Goes, So Goes the Market

By Scott Miller, Jr.


You may have heard of the January barometer, which hypothesizes that the movement of the S&P 500 during the month of January sets the stock market’s direction for the year.  It is reported that the January barometer has been correct 88% of the time since 1950.  The S&P 500 declined 3.6% this past January. Steep […]


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