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Financial Repetitiveness

Financial pundits are more intent on big headlines rather than valuable advice. Ben Carlson of A Wealth of Common Sense walks you through some of the more popular predictions and prognostications which have flooded financial media headlines in recent years:

For example, everyone wants to call the next stock market bubble following the meltdown we saw in 2008:

August 9, 2017:  Is the stock market a bubble? (USA Today)

June 23, 2016:  Uh-oh. Is...

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TDC Invests $11M in Facility Expansion

Merger and new business entities part of growth strategy

TDC Companies, a Maumee-based group of multi-dimensional risk and wealth management firms, is implementing a strategic growth plan that is positioning the firm for its future. The business has grown from 30 employees in 2010 to over 100 employees today. But new business entities and growth of existing business segments will bring important changes to the company and its Maumee operations.

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TDC Issue Briefs: Lessons for the Next Crisis

It will soon be the 10-year anniversary of when, in early October 2007, the S&P 500 Index hit what was its highest point before losing more than half its value over the next year and a half during the global financial crisis. 

Over the coming weeks and months, as other anniversaries of major crisis-related events pass (for example, 10 years since the bank run on Northern Rock or 10 years...

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TDC Issue Briefs: Quit Monkeying Around!

In the world of investment management there is an oft-discussed idea that blindfolded monkeys throwing darts at pages of stock listings can select portfolios that will do just as well, if not better, than both the market and the average portfolio constructed by professional money managers. If this is true, why might it be the case?

THE DART BOARD

Exhibit 1 shows the components of the Russell 3000 Index (regarded...

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Why We Don't Play The Chasing Game

Whether it's politics, world news, sports, or entertainment, the media and its prevailing headlines are typically driven by trends. How will Obamacare reform turn out? What's the latest on the Trump-Russia probe? How will the Lebron James - Kyrie Irving saga turnout for the Cleveland Cavaliers? Trends sell, and sometimes these topics can dominate headlines for months at a time.

As you may know, our portfolios are constructed using non-correlated...

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TDC Issue Briefs: The Uncertainty Paradox

“The market hates uncertainty” has been a common enough saying in recent years, but how logical is it? There are many different aspects to uncertainty, some that can be measured and some that cannot. Uncertainty is an unchangeable condition of existence. As individuals, we can feel more or less uncertain, but that is a distinctly human phenomenon. Rather than ebbing and flowing with investor sentiment, uncertainty is an inherent and...

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A Track Record of Performance

As you know, Dimensional funds is one of the primary tools we use in the development of our evidence-based, globally diverse portfolios.

From time-to-time, clients reference Morningstar and their rating system as it relates to Dimensional funds. There is an inherent survivorship bias, because many funds that were around fifteen years ago are no longer around today.

Attached is a report you may find valuable. Over fifteen years, Dimensional is...

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TDC Issue Briefs: School is in Session

With the school year nearing its end, and summer break on the horizon, many are likely thinking about how best to prepare for their children’s and/or grandchildren’s college expenses now that they are one year closer to college life.

Now is a good time to sharpen one’s pencil for a few important lessons heading into the summer to help tackle the issue.

THE CALCULUS OF PLANNING FOR FUTURE COLLEGE...

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What Makes You Happy

Although no one would be surprised that money, homes, cars, vacations, and stuff in general aren’t the secret to happiness, many might be surprised the single greatest contributor to leading a fulfilling life is developing deep personal relationships. Inc. Magazine’s Melanie Curtin discusses the 75 year old Harvard study that came to this conclusion.

Link to article in Inc. Magazine

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Chris Winters 10 Year TDCAversary

We congratulate Chris Winters on 10 years leading our Retirement Plan Services business! Chris joined our team in 2007, and has helped build an amazing part of our business helping over 100 businesses, and tens of thousands of employees and family members reach their retirement goals. Thank you Chris for everything you do!

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Evidence-Based Bracketology

While this post is from two years ago and some of these statistics may have slightly changed, it might still have a few good tidbits of information to take into consideration when filling out your 2017 NCAA Tournament bracket. Good Luck!

With the NCAA tournament play-in games set to tip-off tonight, chances are many of you are like millions of other Americans filling out your NCAA bracket today. Long gone...

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TDC Issue Briefs: The Power of Markets

In 1958, economist Leonard Read published an essay entitled “I, Pencil: My Family Tree as Told to Leonard E. Read.”

The essay, narrated from the point of view of a pencil, describes the “complex combination of miracles” necessary to create and bring to market the commonplace writing tool that has been used for generations. The narrator argues that no single individual possesses enough ability or know-how to create a pencil...

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Prediction Season

The close of each calendar year brings with it the holidays as well as a chance to look forward to the year ahead. As you might have already experienced, investors are likely to be bombarded with predictions about what the future, and specifically the next year, may hold for their portfolios.

 These predictions can come in all shapes and sizes, but most of them are meant to tempt you into...

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TDC Team Gives Thanks

Throughout the month of November, TDC team members have been using these white boards located outside of their work stations to remind themselves and show their fellow colleagues all the people and things for which they are thankful. 

It's a simple exercise each team member has gone through each day this month, but it has allowed everyone to spend a few minutes each day reflecting on what is most important in...

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TDC Celebrates National Family Week

This week, November 20-26 is National Family Week and TDC is participating by focusing on the families outside of the TDC family that can be positively impacted as well the TDC employee families in advance of the Thanksgiving Holiday on Thursday.

Last week, TDC kicked off the Family Week celebration early by collecting food and non-food items for the Cherry Street Mission Ministries, an organization dedicated to serve all of...

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The Top 5 Easiest Ways to Protect Your Data, Your Money, and Your Family

As you know, at TDC Investment Advisory we take your security very seriously and are continuously committed to helping you fight the ever-growing problem of cyber fraud and other dangers. Here are five simple ways you can protect your data, your money, and most importantly, your family from these threats.

1.   SAFEGUARD EMAIL ACCOUNTS

  • Be very cautious when viewing unsolicited emails
  • Do not click on links or...

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Presidential Election and the Stock Market - Aftermath

As you may remember, a couple of weeks ago we posed the question "should we behave differently with our investment portfolio based on the outcome of this year's election?" 

In light of the various headlines this since the election results were finalized, our answer today remains the same as it did then - regardless of who won the election, the intrinsic value of the companies you own as part of your...

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The Active-Passive Powerhouse: DFA Featured in The Wall Street Journal

Recently, The Wall Street Journal's Jason Zweig profiled Dimensional Fund Advisors, an important investment tool used in structuring our globally diverse, evidence-based portfolios. 

The article is available below. We encourage you to take a few moments to review.

THE ACTIVE-PASSIVE POWERHOUSE

Advisory services provided by TFO-TDC, LLC.

This article has been written by a third party and is being provided for informational purposes only and does not...

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Presidential Elections and the Stock Market

Should we behave differently with our investment portfolio in light of the upcoming presidential election?

Equity markets can help investors grow their assets, but investing is a long-term endeavor. Trying to make investment decisions based upon the outcome of presidential elections is unlikely to result in reliable excess returns. At best, any positive outcome based on such a strategy will likely be the result of random luck. At worst, it...

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TDC Investment Advisory a Stop on the US Advisors Tour

Wealth management firms from Australia and New Zealand flew half-way around the world to visit TDC Investment Advisory as part of the US Advisor Tour sponsored by Dimensional Fund Advisors (DFA). The tour, now in its seventh year, helps connect firms embracing Dimensional’s evidence-based investment philosophy on a global level, so they may gain insights on best practices and strategies for growth from some independent registered investment advisory firms throughout...

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TDC Investment Advisory Shows Olympic Spirit

To get into the Olympic Spirit, our team members participated in an "Office Olympics," where they each took part in several office related activities in search of the coveted Golden Stapler. It was a quick and fun way to build some camaraderie while also having some fun along the way.

Take a look below for the descriptions of some of the activities along with some photos from the events. 

Monday -...

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How Would You Have Done?

As you have heard on many occasions, we don't pretend to know good stocks from bad stocks. We don't pretend to know when the market is going up or when it is going down. We refrain from making predictions and prognostications and we do not believe emotions should guide investment behavior. Instead, our efforts are guided by certain core beliefs about markets, and diversification based on decades of academic research...

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Introducing Our New Logo & Website

At TDC Investment Advisory, we take tremendous pride in the work we do and wholeheartedly believe we are charged with a very important task - to help families be families - stronger, closer, and wiser.We take this role very seriously, which is why it serves as the backbone of our new logo and website, both of which we are thrilled to introduce to you today. What's most important is not what...

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Britain and the European Union

When you woke up on Friday, June 24th, chances are you didn’t make it long in flipping through the television, or listening to the radio before learning that Britain has voted to leave the European Union. “Brexit,” as it is commonly being referred to as, is the result of a 52-48 referendum vote to sever ties with the European Union, a bloc they joined over 40 years ago.

Various headlines...

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The Art of the Free Throw

With March Madness now wrapped up, this year's tournament saw no shortage of upsets. In listening to commentators breakdown these upsets, one couldn't help but notice how many highlighted poor free throw shooting, especially in the games' closing moments, as the key factor in determining a team's success or failure.

What causes a player who historically converts 80-90% of his free throws to transform into someone unable to hit the...

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The Market and Photography: An Interesting Perspective on 2015

As we start to see signs of Spring, many of us might reflect back over the winter and holiday season and wonder where the time went. It is during these reflections I often look at the numerous photos I’ve taken with my phone during each of the many family gatherings over the last few months, and I give thanks for the 64 gigabytes of memory that allows me to capture...

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