Recent Posts

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May 26, 2020
What is an Annuity?

Q & A with Angela Bender, CFP®, and AMJ's managing partner ____________________ Question: What is an annuity and is it true you can live off that interest alone in retirement? Answer:   An annuity is an insurance contract for retirement that allows for tax deferral of the earnings in the annuity account. There four flavors, so to […]

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May 26, 2020
Market Commentary - 5/26/2020

It was a good week for stock markets in the United States, but there was trouble in Asia.

U.S. stock markets rallied last week. The Dow Jones Industrial Average, Standard & Poor’s 500 Index, and Nasdaq Composite all gained more than 3 percent, reported Ben Levisohn of Barron’s.

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May 19, 2020
Market Commentary - 5/19/2020

America is reopening, state by state. That’s welcome news for many businesses, but we’re far from business as usual. Last week’s economic news included unemployment hitting an 80-year high, a record drop in retail sales (-16.4 percent), and an unprecedented decline in industrial production (-11.2 percent).

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May 12, 2020
Market Commentary 5/12/2020

The stock market is not the economy.

It’s an important point to remember when headlines marvel that U.S. stock markets are moving higher while the U.S. economy is contracting. Stock markets are not mindful of the present moment. They are forward-looking, reflecting expectations about what will happen in the months and years to come, explained Mark Hulbert in a MarketWatch opinion piece.
In the present moment, the pandemic-induced recession is producing some brutal economic statistics.

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May 5, 2020
Market Commentary - 5/5/2020

There are signs COVID-19 may be in retreat. This is good news since some states are beginning to reopen. Last week, the Bureau of Economic Analysis reported on the early economic impact of COVID-19 and shelter-in-place orders, which were implemented to prevent healthcare systems from being overwhelmed by COVID-19 patients. The U.S. economy contracted 4.8 percent during the first quarter of 2020.

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April 28, 2020
Market Commentary 4/28/2020

We live in interesting times.

There is discussion about whether the saying, “May you live in interesting times,” is a blessing or a curse. At this point in 2020, we all understand why.

Last week, the world watched in consternation as the price of oil, specifically West Texas Intermediate crude oil, dropped into negative territory. The price moved below zero because a purchase date coincided with a lack of storage space. As a result, the owners of the oil had to pay to have it taken off their hands, reported Ben Levisohn of Barron’s.

Oil prices recovered on Wednesday.

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April 24, 2020
How Coronavirus Volatility Piqued Interest in TD Ameritrade’s Block Desk

Financial advisor Angela Bender talks about pennies in her second meeting with prospective clients — specifically, how her firm saves them.
If her RIA, AMJ Financial, can clip about four cents off each trade, a client can retire a year early (that’s given a $1 million portfolio seeking a moderate 6% return rate).
How can a relatively small firm make such a powerful statement? AMJ Financial manages $184 million in client assets, but it makes frequent use of its custodian’s block desk. By doing so, Bender has access to TD Ameritrade Institutional’s bench of 16 traders, who are bringing their institutional trading and market-making backgrounds to her clients.

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April 21, 2020
Resources to Help You Through the Coronavirus Crisis

If you have ever been flattened by a rogue wave while fishing or sunbathing on the shore, you probably recognize the emotional responses that have accompanied the pandemic wave crashing across the United States – shock, anxiety, and concern for ourselves and others.

We’ve been knocked flat by the unexpected – COVID-19.

In just a few weeks, the virus has changed our world in significant ways.

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April 21, 2020
Market Commentary 4/21/2020

Last week’s economic data was about what you might expect in the midst of a virus crisis that has shut down businesses and forced people to stay home. There were some bright spots, though, that boosted optimism in financial markets.

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Investment advisory services offered through AMJ Financial Wealth Management LLC

AMJ Financial Wealth Management LLC is not affiliated with Triad Advisors, LLC
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