Risk Assessment
Client Login

Fundamentals of Finance

Let’s Talk Cryptocurrency!

By

That’s right—you read the title correctly. I’m finally sharing my thoughts on cryptocurrency! In this video, I dive into its role as both a currency and an asset. I highlight some of the challenges it faces in each category and what that might mean for its place in a portfolio.  Technology seems to be moving at the speed of light and regulations change almost daily, I would never say that this type of investment would NEVER make sense inside of a portfolio.  But for our clients today, I say that with the unstable, unknown and highly regulated nature of this investment, it becomes virtually impossible to rely on.

Click above to watch the full video, and here’s the article I reference: “Does Crypto Deserve a Place in Portfolio Construction?”

Are “Rules of Thumb” worth following?

By

In today’s video, we’re revisiting the 4% rule for retirement—a classic rule of thumb that’s making a comeback! The 4% rule suggests that you can safely withdraw 4% of your retirement savings annually without depleting your nest egg. But is it truly a one-size-fits-all approach? Factors like inflation, risk tolerance, investment performance, and spending behaviors all play a role in determining whether this strategy works for your unique circumstances.

👉 Click play to learn how the 4% rule fits into modern retirement planning and how to tailor it to your financial goals!

This is the article I reference in the video: The 4% Rule for Retirement Is Back

Scary Headlines Make Me Chuckle

By

You may have seen recent headlines like: “Dow Down 200 Points, 9-Day Losing Streak—First Time Since the 70s!” It’s a dramatic story, but is it the whole story?

In this week’s video, I break down the data behind the headlines, showing how the market has performed over the past week and the past year. The big takeaway? Market movements like these are normal and shouldn’t derail your long-term investment strategy.

Successful investing is about staying focused on your goals—not reacting to attention-grabbing headlines. Watch the video to see how perspective can make all the difference.

We’re here to help you stay on track with your financial goals. Let us know if you’d like to discuss this further.

Why Hail Mary Plays Rarely Win the Game in Investing

By

In this week’s Matt’s Minutes, I share an idea for the first time ever!

I draw a parallel between baseball (Football, not baseball) and investing to highlight an important lesson: It’s rarely the “hail mary pass” at the end of the game that wins the game. If you aren’t sure what I am referring to, allow me to explain.  A hail mary pass is a desperation pass from the QB to no particular person in hopes that one of their own team members secures the ball in the endzone in an attempt to win the game. Sure, every once in a while it works (it worked a couple weeks ago in fact).  Many clients come to me with regrets about not investing in a particular ‘hot’ stock, but the truth is, we don’t rely on high-risk, high-reward strategies.  If football teams relied on the hail mary pass as their strategy to win, their win/loss record would be dismal. In this video, I share a personal story where a hail mary investment in my own personal account was successful, but it didn’t significantly impact my overall portfolio. Click the video above to understand why steady, strategic plays are the real game changers in your financial journey.

Is A Money Market Account The Best Place To Keep Your Money?

By

Is a Money Market Account the best place to park your money right now? In this video, I share an interesting visual breakdown of how money market and CD rates compare to the Fed funds rate. With the Fed cutting interest rates, these traditional savings options might not be the most advantageous for your money. Click on the video to explore the data and find out more. Have questions about your individual financial situation? Please don’t hesitate to reach out. 

Schedule Complimentary Appointment

Rule of 72

By

Over the next couple of weeks Dylan will be doing a three part investment series covering the topics of the rule of 72, inflation, and compounding interest. These are timeless topics we love to share with our clients and encourage you to share it with anyone you think may benefit from it. Take a look at this video for the first part in the series.

Our Hours

8:30 AM – 5:00 PM PST
Monday – Friday

Connect
Facebook-f Linkedin Youtube

2 Locations to Serve You:

Bothell Office:
17921 Bothell Everett HWY, Suite # 106
Bothell, WA 98012

Phone: 425-357-0400 | Fax: 425-332-3023

Help@rossfinancialinc.com

Silverdale Office:
10049 Kitsap Mall Blvd NW #309
Silverdale, WA 98383

Phone: 360-692-1777 | Fax: 360-692-5015

Silverdale@rossfinancialinc.com

Ross Financial Inc. All Rights Reserved

Check the background of your financial professional on FINRA’s BrokerCheck.

Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Constellation Wealth Services is not a registered broker dealer and is independent of Raymond James Financial Services.

Matthew Ross has been named 2024 Forbes Best-In-State Wealth Advisors, developed by Shook Research, is based on the period from 6/30/2022 to 6/30/2023 and was released on 4/3/2024. 42,108 nominations were received, and 8,500 advisors won. Neither Raymond James nor any of its advisors pay a fee in exchange for this award. More: https://bit.ly/43DMgjX. Please see https://www.forbes.com/best-in-state-wealth-advisors for more info.

The 2023 AdvisorHub 200 Fast Growing Advisors to Watch ranking is based on an algorithm of criteria, focused on three key areas: Quality of Practice, Year-Over-Year Growth, and Professionalism & Character. The rankings weigh the scores in Quality and Growth more heavily than other areas. Time period upon which the rating is based is from 1/1/2021 to 12/31/2022 and was released on 6/20/2023. Advisors considered have a minimum of seven years’ experience, a clean regulatory record with 2 or fewer complaints and no significant judgements, must have been with their current firm for at least two years and in good standing, and have at least $100 million in assets under management. Out of 1,246 total nominations received, 200 advisors received the award. This ranking is not based in any way on the individual’s abilities regarding providing investment advice or management. This ranking is not indicative of advisor’s future performance, is not an endorsement, and may not be representative of individual clients’ experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. Raymond James is not affiliated with AdvisorHub.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members.

© 2024 Securities offered through Raymond James Financial Services, Inc., member FINRA · SIPC · Privacy Policy  · Legal Policy

Who We Are

Our Approach to Service

Let's Meet

What We Do

50 Benefits for Clients

Our Process

Financial Roadmap