"We will get you on the right path"

To have your money work intelligently for you.

About Us

About Us

CIGX offers financial planning and portfolio management services, including retirement planning, investment planning, college planning, and insurance planning. Our asset management services include stocks, bonds, mutual funds, ETFs, commodities and currencies.

Asset Management

Asset Management

CIGX, LLC, capital management, offers the global strategies model portfolio series. These model portfolios range from conservative to aggressive and use a macro-economic, a.k.a top-down, fundamental analysis approach to asset management.

Two new select asset management strategies

After 8 years as an independent advisor, I am adding two management strategies to my current offerings. In addition to the four asset allocation models, I am offering a global natural resources strategy and a select nation strategy. The natural resources strategy will invest in companies all over the world that deal with natural resources, including metals, energy, agriculture, and any other natural resource. The select nation strategy will invest in country specific ETF’s based on a number of criteria, including transparency, corporate governance, shareholder rights, as well as the usual CIGX criteria. To properly implement these strategies, an account minimum of $50,000 is required.

Capital Markets

As of noon today, the equity markets are slightly up and oil is slightly down.  This is a positive development for the capital markets, which I hope will continue.  While recently oil and equities have been moving in the same direction, historically there is a negative correlation between the two.  The lower oil prices, the more money consumers have to spend in the US and the lower the input price for most manufactured goods as energy is a large component of price, keeping prices down without hurting profit margins for companies.  I hope this can continue.

FINREG

So, financial regulation is in the process of passing.  Most people are not happy with it.  The problem with what will shortly be the new financial reform law is that it does nothing to avoid a recurrence of the most recent financial crisis.  Even worse, it punishes the good businesses and rewards the bad.  Small and mid-size banks had nothing to do with the financial crisis, yet they carry a regulatory burden and financial requirements that make operating difficult.  The big banks will have smaller capital requirements and can handle the regulatory burden without difficulty.  So the big bad guys come out ahead.  The right thing to do of course would have been to re-enact Glass-Steagall.  This Act was enacted in response to the great depression, with the initial recession caused by a very similar financial crisis.  This Act separated depository banks from investment banks in order to avoid excessive risk taking by banks and to allow for transparency in operations.  Conglomerate banks have inherent conflicts of interest and have insider information that they can share among divisions, stacking investment decisions in their favor and resulting in a non-level playing field for other investors.  So, we are hesitant to buy with the odds stacked against us and with a lack of transparency in business and government. Of course most corporations around the world do play fair, but how can we be sure without real financial regulation ?