Active Management at IVA: A Focus on Clients’ True Investment Goals

July 25, 2017

The passive vs active debate in the investment world will likely be a never ending discussion. DFSC believes there are merits to both arguments of each respective side. Our investment philosophy balances the strengths of both methodologies in hopes of meeting client financial planning objectives. The active managers we utilize, such as IVA, are tasked […]

Annual Disclosure Brochure Update

September 26, 2017

Dear Client: We are writing to you in regards to a number of administrative matters that, as a registered investment adviser, we are required to contact you about on an annual basis.  To minimize our intrusion we have combined several of these matters into this Annual Notice. Enclosed with this letter please find a copy […]

How to Respond to a Data Breach

September 11, 2017

Dear Client, We have been receiving questions regarding the security breach at Equifax. Please see the attached article which may help clarify the issues surrounding the breach. It will also provide instructions for going forward. How to Respond to a Data Breach David W. Demming CFP® David W. Demming Jr. CFP® Karen Bordonaro CFP® Patrick […]

How to Win at Active Management: FPA Crescent Fund

May 18, 2017

Dear Client, The link below is a PDF of a recent article published on Morningstar.com by John Rekenthaler a rationale for why investments can do well with an active manager like Steve Romick of FPA Crescent. Please enjoy this edition of the Rekenthaler Report. David W. Demming CFP® David W. Demming Jr. CFP® Karen Bordonaro […]

Improving Your Client Experience

February 27, 2017

We are always looking for ways to improve your experience with us. With this in mind, we created a 14-question online survey to gather client feedback on our firm. Your participation will help us identify ways to better serve you and meet your expectations as a client. To complete the online survey, please select the […]

A look back at 2016

January 27, 2017

You may find the following article an interesting read taking ‘A look back at 2016‘.

The Trump Effect

November 9, 2016

You may find the following article an interesting read given the presidential election results and the effect it may have on the Stock Market. The Trump Effect

Presidential Election and the Stock Market

November 2, 2016

You may find the following article an interesting read given the upcoming presidential election and the effect it may have on the Stock Market. Presidential Elections and the Stock Market

Annual Disclosure Brochure Update

September 30, 2016

Each year, Demming Financial Services Corp. is required to inform clients of any materials changes that have been made to the Disclosure Brochure since the last annual filing (September, 2015). Attached is the summary of material changes that occurred during the fiscal year July 1, 2015 thru June 30, 2016. Material Changes If you would […]

Brexit Vote

June 24, 2016

As many of you are aware, a vote in the U.K. occurred yesterday. The repercussions should take a number of years to play out. We hope the attached information will give you a better understanding of what truly took place and give you added perspective for what the future may hold. Brexit Vote

Market Volatility

February 12, 2016

You may find the attached article an interesting read given the recent volatility in the markets. Recent_Market_Volatility

Paying Estimated Tax Makes More Sense

April 1, 2012

This article addresses the need to coordinate tax planning and retirement withdrawals. When an individual transitions from the workplace to retirement, there is a difference in terms of how taxes are and should be paid. During working careers, most individuals have taxes withheld incrementally from their paychecks. The goal is to try to break even […]

Reverse Mortgages

September 1, 2011

We are not unalterably opposed to reverse mortgages, but we do consider them a poor alternative to many of the other options generally available to families of our older clients. Our main objections are that they have high fees and that it affects the liquidity of the family’s largest single asset, their home, with a […]

Be Careful When Making Family Loans

August 1, 2011

It’s common for parents or grandparents to lend money to adult children. It’s also common for such family loans to make everyone unhappy — the lender, the borrower, other family members . . . even the IRS. The first clue as to whether a family loan could be trouble is the nature of the loan. […]

Why We Favor UTMA’s over 529’s

Your options for saving for children’s college educations are numerous, and one size does not fit all. Below, we outline the major options. The right option depends on ages of your children, family income, potential for financial aid, expected cost of college, and other factors. Our analyses and experience, however, have us strongly recommending that […]