Articles by Bill Ramsay

Bill's Profile

Bill Ramsay has been providing financial services since 1985 and earned his CFP® certification in 1998. Continuous improvement and commitment to quality are among his core beliefs. These values are reflected in the growth of Financial Symmetry and the loyalty of clients and staff. Bill is often interviewed for industry publications such as Financial Planning, Inside Information, Journal of Financial Planning and Investment Advisor.

Link to Bill's Full Bio

http://financialsymmetry.com/our-team/bill_ramsay_cfp/

Bill Ramsay, CFP®, recently participated in his third Triangle Business Journal roundtable event.  The 2009 Financial Roundtable: Wealth Strategies was held at the Triangle Business Journal office on September 29th, 2009, with the full article appearing in the October 16th, 2009 issue.
Bill also participated in the Triangle Busniess Journal’s rountables on August 23, 2007 and [...]

With unemployment high, requests for loans from friends and family members are on the rise.  This can put a potential lender in a difficult position.  They do not like to see someone they care about having financial difficulties, but they also know that personal loans can become gifts as default rates are high.
There is also [...]

There are two primary types of client relationships in the world of financial advice. The sales model represented by brokers and insurance agents versus the fiduciary model represented by Registered Investment Advisors.

The inherent problems and conflicts of interest with the sales model is why we choose to operate exclusively as Registered Investment Advisors.

All data is not created equal.  The following chart would seem to indicate
that US stocks are more expensive and overvalued then they’ve ever been.
http://www.chartoftheday.com
The rest of the story is that the last 12 months of earnings are not
representative of what earnings will be going forward.  Our best estimate is
that at current price levels, the PE [...]

“The housing market is not going to be the engine leading us out of the recession, but clearly it is going to be less of a drag than it has been or should be.”

“Too many of them do not do well, and the frenzy that exists when the IPO market is hot makes the problem worse as the average investor tends to significantly overpay when their gambling switch is turned on.”

Hyman Minsky was an economist who developed a theory about financial markets that seems to nearly perfectly describe the path of this crisis.

One of our primary jobs is assessing mutual fund managers to look for those who can provide good results. Given the current onslaught of news and opinions on the economy and the markets, we thought it would be helpful for you to hear from a few of your funds’ managers.