TDC Investment Advisory is pleased to announce the appointment of Adele Sobieszczanski as the newest partner of our firm. Through the years, Adele has been instrumental in every facet of our business, ultimately playing a vital role in helping us grow our firm into what it is today.

We are thrilled to announce that Adele Sobieszczanski, TDC Investment Advisory Executive Vice President and Family Wealth Strategist, has recently been named to the Forbes Best-In-State Wealth Advisors list for Ohio, evaluated as of June 30th, 2022.

We are thrilled to announce that Brady Fineske, TDC Investment Advisory President and Family Wealth Strategist, has recently been named to Barron’s Top 1,200 Advisors Rankings by State list.

Most don't make adequate preparations before dying. Preparing means communicating with relatives and other loved ones – and that can be hard. Given the certainty we all face of when we will pass, shouldn't your loved ones know how to respond? Do they know what you want and expect of them? We’re here to help.

With tax season comes increased opportunity for identity thieves to take hold of your financial information through various scams. Tax season brings enough for you to worry about, and identity theft doesn’t need to be one of them. Brush up on some tips of how to protect yourself this coming tax season.

Our 2023 Tax Reference Sheet is now available. This resource is being provided to allow you quick access to tax-related data points that may impact you over the 2023 tax year. If you have any questions about the information on this guide or do not find the information you need, please contact your TDC adviser. As always, we stand ready to help you get the answers you need.

Business succession planning can help create retirement income for a retiring business owner and facilitate the transfer of operations and/or ownership to family or another entity. A succession plan can also provide a strategy to handle unforeseen events, such as death or disability. If you’re a business owner, contemplating retirement, here are a few things you should add to your checklist.

Suppose an elderly family member becomes incapacitated and has made no arrangements for such a situation. Advance directives are legal instructions that express a person’s wishes regarding financial and health care decisions in the event that he or she becomes unable to make them. If incapacity occurs and there are no advance directives, is guardianship a viable option? Here are things to consider.

If you’re fortunate enough to own a small business, has your enterprise flourished into something a bit more complex than you ever would have expected? Have you contemplated involving some of your family members in the business? But before you make your business a true family affair, there are several important decisions to be made.

TDC is thrilled to have been recently named to Forbes' 2022 America’s Top RIA Firms list. This list contains the names of 150 Registered Investment Advisory firms who were evaluated on their experience, size, track record of helping clients grow their wealth, among other factors. We believe this recent honor is directly related to our team’s commitment to being more for our clients and we couldn’t be prouder of them.

The IRS just announced the 2023 contribution limits for qualified retirement plans which include significant increases.

In the event of a sudden death or catastrophic illness, it can benefit you to have adult children who are familiar with your key financial, medical, and estate planning information and can quickly locate the relevant documents. By discussing the following matters with your family, you can help them take appropriate and timely action.

It’s never too early to think about how and where you want to live when you’re older. Rather than wait for it to happen, we’re here to help you think through your various options when the time comes and tackle the topics of health, finances, location of family members, and varying degrees of independence.

It’s never too early to think about how and where you want to live when you’re older. Rather than wait for it to happen, we’re here to help you think through your various options when the time comes and tackle the topics of health, finances, location of family members, and varying degrees of independence.

October has been designated as National Cybersecurity Awareness Month, and as we head into the holidays, we thought it would be helpful to pass on a few best practices to help keep your information (and money) safe from prying eyes and ill intent.

The rules pertaining to Individual Retirement Account (IRA) beneficiaries are complicated. Here is a quick look at the limitations the Internal Revenue Service (IRS) places on the beneficiaries of IRAs.

For many small business owners, valuing a closely held business is an important part of the estate and financial planning. Because valuation is a multi-faceted endeavor, a comprehensive approach is needed. Here, we look at the various areas that must be considered in order to arrive at a fair value for the total business.

Your child may soon be ready to take his or her first step on the journey toward independence: college enrollment. Here are steps you can take to help your student understand the college financial picture.

Here is a 75 year study by Harvard University on leading a fulfilling life. Keep in mind, this study was done by generations of researchers.

Getting old is hard. Your parents’ ability to manage their own finances may decline as they age. Helping them with money matters is a sensitive issue you need to approach carefully. Here are some important steps to consider if the time comes.

Most families already have estate documents, probably executed many years ago. You should have an estate attorney look over your documents and plan every 10 years or so. Here are a dozen points to review.

TDC Investment Advisory has once again been named to Financial Advisor Magazine’s RIA Survey and Rankings List for 2022.

Summer is here and with it could be new dreams of owning a second, seasonal home. But fulfilling this dream takes attention to detail and a firm vision of your long-term goals. Here are the top 5 issues to explore when considering the purchase of a second home.

As a business owner or executive, you may have devoted yourself entirely to your business or career. And for some, this means placing your own personal financial planning on the back burner, or not visiting it as much as you should. Here are a few reminders to focus on your own personal financial planning.

In this webinar recording, TDC Investment Advisory Family Wealth Strategist and Vice President of PandoTree Trust Company, Donald Scott, discusses the various roles a trustee fills, what options are available when selecting a trustee, what factors to consider, as well as the benefits and challenges of these various options.

For those who give to a charity near and dear to your heart, your desire to specify where your donation dollars will go may jeopardize your ability to claim an income tax deductions. Proper planning is essential, and in this article we discuss how to gain more control over how your donations are used.

In the overall U.S. business landscape, mergers, takeovers, and buyouts are occurring at a steady rate. If you were to place your business on the market would you know what it is worth? Setting the price is often the most important aspect of the transaction. In this article we tackle valuation methods, the important role of taxes, and the differences and considerations of a taxable and a nontaxable transaction.

April is National Financial Literacy Month – an entire month dedicated to underscoring the importance of learning, establishing, and maintaining healthy financial habits.

The grief one feels when a spouse, parent, or other loved one dies is almost always overwhelming. The following is a basic checklist that can be used by survivors when dealing with the many issues that must be addressed.

When some plan for retirement, a seemingly exciting new phase of life, they might want to double-check their expectations. Here we look at five common misconceptions about retirement. Knowing these upfront could prove useful in your planning.

For a succession plan to succeed, an owner needs to examine immediate, intermediate, and long-term goals. A plan should be based on financial forecasts and budgets that are adaptive to changing conditions of both the industry and the economy. In this article, we layout your business survival checklist in the event a need for succession planning makes an untimely arrival.

Your choice of domicile is important for two main reasons: 1) it can have serious ramifications for your estate plan; and 2) it also determines your liability for state income tax. Let’s look at the various things to consider when choosing your place of domicile.

Does the excitement of March Madness cause a drag on employee productivity? The results might surprise you!

Digital property (or digital assets) can be understood as any information about you or created by you that exists in digital form, either online or on an electronic storage device, including the information necessary to access the digital asset. All of your digital property comprises what is known as your digital estate and these should be known, stored, and communicated with family members. Here is a helpful overview of what can comprise your digital estate.

Many estate plans include a program of making lifetime gifts which has the potential to offer important rewards and benefits. Here are some of these benefits you may want to consider.

For business owners considering expanding their team and allowing family members to enter the business there are some questions you may want to ask yourself before jumping in, and succession plan considerations you won’t want to miss.

Our 2022 Tax Reference Sheet is now available. This resource is being provided to allow you quick access to tax-related data points that may impact you over the 2022 tax year. If you have any questions about the information on this guide or do not find the information you need, please contact any of our tax professionals listed at the bottom of the sheet. As always, we stand ready to help you get the answers you need.

Today, we are thrilled to welcome Joshua Rochon to the TDC Investment Advisory team, who is joining us as a Family Wealth Strategist. Josh, who also served our country in the Air Force, brings over 16 years of experience in the wealth management industry to our firm. Most recently, Josh has been the Managing Member of his own Registered Investment Advisory firm, JDR Financial, providing comprehensive financial planning, investment management, and risk management strategies for high net worth families and individuals. Josh's experience and passion for helping families are a great addition to our team. Welcome, Josh!

We are thrilled to announce TDC Investment Advisory President, Brady Fineske, has been named the Emerging Philanthropist of the Year by the Promedica Foundation.

We are thrilled to announce that TDC Investment Advisory Vice President Jim Herrick has been named to the 20U40 list, a leadership recognition program highlighting Northwest Ohio and Southeast Michigan’s dynamic leaders under the age of 40.

As part of our commitment to helping our families educate their next-generation on important financial and life matters, we are thrilled to announce the launch of our new initiative, TDC Life Academy.

Our never-ending search for finding good people to help join our mission in helping families has led us to develop a new website dedicated to the TDC colleague experience. We wanted to allow potential new TDC colleagues to gain a deeper understanding of what it means to be part of our team.

We are excited to announce that TDC Investment Advisory was recently named to Financial Advisor Magazine’s RIA Survey and Ranking 2021 list. TDC ranked #154 of the 607 firms named, and ranked 11th in the state of Ohio. Exciting recognition for our amazing team!

If you’re a fan of Seinfeld, you might remember the ‘Summer of George,’ where after being fired from the New York Yankees, Mr. Costanza vows to use his three months of severance to create a life-changing summer season for himself. While we don’t share George’s passion for sitting around and eating large blocks of cheese, we do share his excitement for creating a life-changing summer season. This summer, our goal is to help change the future fortunes of as many young learners as possible by assisting them to start their financial learning journey.

Students and young adults have all heard about the importance of developing a budget. But, do they know why a budget is so important? Perhaps they simply spend what they must and save whatever’s left over. Or, perhaps they spend all they have and borrow or charge anything else that is needed. In either case, given the limits of their income, they may wonder , “What good would it do to have a budget?”

One primary factor contributing to the savings problem in America is the continued reliance on credit cards to purchase things one wants but does not necessarily need.

Leasing continues to grow in popularity among many new car buyers and will most likely be a tough decision for a young adult weighing its advantages and disadvantages. To help provide some perspective for those considering driving a new vehicle, below is a simple example of what students and young adults should consider when making this important decision and the financial impact of their final choice.

Many millennial households are on their way to building substantial wealth. They are saving 20% or more of their paychecks, investing in 401(k) accounts, and keeping their debt levels low. But others, even those with good educations and solid careers, are making financial mistakes. And some are making them over and over, digging a hole from which it may take years to climb out.

The American dream is built on freedom, hard work, and education! April is National Financial Literacy Month, and what most of our next-generation lacks is financial literacy. At TDC Investment Advisory, we decided to do something about this problem by creating RightTrak, a digital education curriculum that makes financial learning fun for high school students, college students, and young adults.

Because of the important role a trustee serves, Cleves Delp was recently published on Forbes.com discussing three things every family should consider when selecting their trustee. Take a few minutes to read these important insights for you and your family.

One thing we take pride in at TDC is actively listening to the common concerns of our clients and using that information to create needed solutions. One such common fear we've heard is finding the right trustee or co-trustee to administer their estate plan. In direct response to these concerns, we established PandoTree Trust Company of South Dakota to help solve our client families' challenges by leveraging some of the country's most favorable state tax and trust laws.

Today, TDC Investment Advisory is proud to introduce the launch of RightTrak, a fully digital financial education program designed to teach our client families’ high school students, college students, and young adults the fundamental foundations of managing, growing, protecting, and sharing wealth. Complete with video lessons, infographics, games, quizzes, assignments, real-life scenarios, and more, RightTrak makes financial learning fun. If you’re interested in enrolling your next-gen learner in RightTrak, contact your TDC adviser today.

Our organization has been talking about the importance of financial education for next-gen investors for some time.

TDC Investment Advisory is pleased to announce the appointment of two new partners to our firm – Brady Fineske, President, and Jim Herrick, Vice President. After almost ten years with the firm, Brady and Jim have distinguished themselves as great leaders who are fully committed to the mission of helping families be families – stronger, closer, and wiser. Their dedication and expertise are examples of what we feel makes TDC great. As we say, Our Corporate Soul is Our People. Please join us in congratulating Brady and Jim as we move into a new era.

This report features:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Our 2021 Tax Reference Sheet is now available. This resource is being provided to allow you quick access to tax-related data points that may impact you over the 2021 tax year. If you have any questions about the information on this guide or do not find the information you need, please contact any of our tax professionals listed at the bottom of the sheet. As always, we stand ready to help you get the answers you need.

By all accounts, the United States economy is facing an unprecedented intentional slowdown of economic activity. This slowdown, however, is being met with an equally unprecedented monetary and fiscal stimulus in terms of both its scope and speed. Late last Friday, President Donald Trump signed into law the latest relief effort with the “Coronavirus Aid, Relief, and Economic Securities Act” or the CARES Act. The goal of the CARES Act is to provide relief for individuals and businesses impacted by the outbreak. So, what does the CARES Act mean to you and your family? We’ve broken it down for you.

TDC Investment Advisory’s Maumee, Ohio office location will be implementing a new opt-in work from home policy to help curb the spread of the coronavirus and help keep our clients, our team members, and our community safe. TDC colleagues will work remotely or may choose to come into the office to work with manager approval. We will also have our clean team in Monday to disinfect the entire building in an abundance of caution.

Any scheduled in-office meetings with clients will be handled on a case-by-case basis. Although these aren’t ideal working conditions, we want to make sure we help keep our team members and their families safe by creating the best internal procedures and safest work environment possible.

If you have any questions or concerns, please contact your TDC adviser directly.

On December 20th, President Trump signed the SECURE Act (Setting Every Community Up for Retirement Enhancement) which is being described as one of the most sweeping retirement security legislation to move through Congress in decades.

Now that the dust has settled, we are providing this informational piece to help you understand what it may mean for your retirement (keep in mind the majority of these provisions have gone into effect as of January 1st).

TDC Investment Advisory is thrilled to announce that we have been recognized as a Top Workplace for the third consecutive year by the Toledo Bade. We thank our entire team for their hard work and dedication in helping to build a collaborative, fun, and committed team environment. We are blessed with a tremendous team of professionals and look forward to continue to build on our strong team culture going forward.

^{| Disclosures |}

Our Annual Market Review for 2019 is now available. Our annual review highlights the annual performance of the global equity and fixed income markets and includes the major components of our Quarterly Reviews. Download our annual review today.

Our 2020 tax reference sheet is now available. This quick guide offers information you'll need to know for the upcoming year.

10,000 lights on our Christmas Tree… but we have a one in a million team! Merry Christmas and Happy Holidays from your friends at TDC.

(click below to watch video)

The Thanksgiving holiday is a time for family, for gathering those most important to us around a table, and for reflecting on how they provide meaning and purpose to our lives. Football and turkey aren’t bad, either.

Thanksgiving can also be a tremendous opportunity to create meaningful discussion around family values. TDC Investment Advisory Member, Cleves Delp, was recently featured on Forbes discussing how families can better connect their wealth and purpose, and in the process, help ensure those around their Thanksgiving table today remain together for years to come.

TDC and distinguished guests enjoyed a wonderful night celebrating The Toledo Children’s Hospital and honored those who gave generous gifts totaling more than 2 Million Dollars – The Toledo Children’s Hospital’s goal is to reach 5 Million Dollars in order to continue research to continue to provide outstanding care to the patients and their families. Thank you to everyone who attended.

This report features:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Looking at the US stock market since the turn of the century, you could be forgiven for thinking of Charles Dickens’ famous words.

The first decade of the 21st century, and the second one that’s drawing to a close, have reinforced for investors some timeless market lessons: Returns can vary sharply from one period to another. Holding a broadly diversified portfolio can help smooth out the swings. And focusing on known drivers of higher expected returns can increase the potential for long-term success. Having a sound strategy built on those principles—and sticking to it through good times and bad—can be a rewarding investment approach.

This report features:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Investment opportunities exist all around the globe. Across more than 40 countries, there are over 15,000 publicly traded companies.1 If you listen to the news, however, some countries may seem like better places to invest than others based on how their economies and stock markets are doing at the time. Fluctuations in performance from year to year only add to the complexity, providing little useful information about future returns.

This report features:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Throughout my one-on-one dialogue with Mr. Cleves Delp, it was very clear to me that his dedication and the success of his business, TDC Companies, originates from his roots and what matters the most to him—family, the people surrounding him, and his faith...^{| Disclosures |}

TDC Investment Advisory has been recognized as a 2019 Best places to Work for Financial Advisers as announced by InvestmentNews today. TDC was chosen as one of this year’s top-75 firms based on employer and employee surveys delving into everything from company culture, benefits, careers paths and more. This list if a first of its kind for the financial advice industry and we couldn’t be prouder of our entire team who have helped shape TDC and its culture into something we enjoy living each and every day. To learn more about the InvestmentNews 2019 75 Best Places to Work for Financial Advisers, please visit InvestmentNews.com/BestPlaces.^{| Disclosures |}

Cleves Delp, TDC Investment Advisory firm Principal, was recently named to Barron’s 2019 List of Top Financial Advisors by State, ranking #26 in Ohio. Factors considered by Barron’s for its rankings included, but were not limited to, assets under management, revenue produced by the firm, regulatory record, quality of practice, and philanthropic work. The full article and list of Ohio advisors can be viewed by clicking on the following link provided below.^{| Disclosures |}

TDC Investment Advisory is thrilled to announce that we have been recognized as a Top Workplace by the Toledo Blade for the second consecutive year. This is only made possibly by the hard work and dedication of our amazing team who help foster a challenging, fun, and collaborative work environment each and every day. ^{| Disclosures |}

Our 2019 tax reference sheet is now available. This quick guide offers information you'll need to know for the upcoming year.

TDC's annual market review, taking a look back at 2018 is now available. Our annual review includes the major components of our Quarterly Reviews for the entire year including:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Click to view the 2018 Annual Market Review

TDC Companies was honored to join a host of Northwest Ohio leaders on National Philanthropy Day to receive the award as Outstanding Corporate Philanthropist by the Association of Fundraising Professionals Northwest Ohio Chapter. Congratulations to all of this year’s winners and out heartfelt thanks for helping make Northwest Ohio a better place.

For the upcoming midterms, commentators are likely to offer opinions on who will win and what impact the vote will have on markets. Looking at returns since 1926 shows that months when midterm elections took place did not tend to have returns that different than any other month.

This report features:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

The program recognizes individuals who have distinguished themselves in their careers and/or in the community. In addition to his duties as TDC Investment Advisory President, Brady also started Catching Up With Jack, a charity 2k walk/5k run to raise funds for pediatric cancer research and help local families.

With school back in session, many parents are likely thinking about how best to prepare for their children’s future college expenses. Now is a good time to sharpen one’s pencil for a few important lessons before heading back into the investing classroom to tackle the issue.

With only four months left in 2018, this year has the possibility of being a historic one for the U.S. stock market. Clearly, I'm risking being labeled a "jinx," but if the positive return achieved by the S&P 500 Index through August holds for the rest of the year, it will be the first time in the index's 92-year history that it has produced a positive total return for 10 straight calendar years.

TDC Investment Advisory (TFO-TDC) has been named to FA Magazine’s RIA Survey and Ranking list, who highlights the country’s top 707 independent RIAs with over $1B in assets under management. TDC ranked #129 of the 707 named, and ranked 9th of Ohio based firms. Read important disclosures.

This erosion of the real purchasing power of wealth is called inflation. Inflation is an important element of investing. In many cases, the reason for saving today is to support future spending. Therefore, keeping pace with inflation is a crucial goal for many investors. To help understand inflation’s impact on purchasing power, consider the following illustration of the effects of inflation over time.

This report features:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

As the temperatures begin to spike, here are a few things we feel you should consider adding to your summer to-do list...

For investors, it can be easy to feel overwhelmed by the relentless stream of news about markets. Being bombarded with data and headlines presented as impactful to your financial well-being can evoke strong emotional responses from even the most experienced investors.

While it may be difficult to remain calm during a substantial market decline, it is important to remember that volatility is a normal part of investing.

You should already be aware that you should not open email attachments with an extension such as ".exe", but did you know that even PDFs or Word Documents can be rendered unsafe to open?

As usual, with market volatility comes the expected barrage of bold predictions from market pundits making their typical prognostications about what's in store for investors.

While we know how to act during tough times, periods of intense volatility can cause many undisciplined investors to react emotionally and run from their long-term plan.

Every day we enjoy the benefits of an interconnected world. We might start our day with a cup of coffee that originated in South America, check our email on a smartphone designed in California and manufactured in Taiwan, then shower and change into clothes woven from Egyptian fabrics before driving a German-made car or riding in a French-built train to work.

Click here to continue reading

TDC's annual market review, taking a look back at 2017 is now available. Our annual review includes the major components of our Quarterly Review for the entire year including:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Click to view the 2017 Annual Market Review

Our 2018 tax reference sheet is now available. This quick guide offers information you'll need to know for the upcoming year.

View Our 2018 Tax Reference Sheet

This report features:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Click to view the 2017 Quarterly Market Review

As investors ring in the new year, some may see the occasional headline about the “January Indicator” or “January Barometer.” This theory suggests that the price movement of the S&P 500 during the month of January may signal whether that index will rise or fall during the remainder of the year. In other words, if the...

You have heard us say many times the past is not prologue, what happened yesterday is not a sound predictor of what's going to happen in the future. Fresh off the New Year, you've probably heard and seen numerous financial pundits provide their 2018 market forecasts.

Now that the dust has settled on the New Year, it's always interesting to see topics that stood out in the headlines from the previous year. Donald Trump, the Russia Probe, the Las Vegas Shooting, Hurricane Irma, Harvey, and Maria, the solar eclipse, and North Korea would certainly all be at the top of the list.

Cybercrime and fraud are serious threats and constant vigilance is key. While TDC Investment Advisory plays an important role in helping protect your assets, you can also take action to protect yourself and help secure your information. This checklist summarizes common cyber fraud tactics, along with tips and best practices. Many suggestions may be things you’re doing now, while others may be new. We also cover actions to take if you suspect that your personal information has...

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...

This report features:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Click to view the 2017 Quarterly Market Review

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...

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...

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...

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...

This report features:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Click to view the 2017 Quarterly Market Review

“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...

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...

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..

This report features:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Click to view the 2017 Quarterly Market Review

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

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!

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...

As part of our firm-wide goal to continuously improve our client’s investment experience, we brought in Justin Amburgey, owner of the Holland Chick-fil-A restaurant to learn about their process for creating raving fans of their people and product. Phenomenal learning experience, thanks Justin!

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...

TDC's first annual market review, taking a look back at 2016 is now available. Our annual review includes the major components of our Quarterly Review for the entire year including:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Click to view the 2016 Annual Market Review

This quarters report features:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Click to view this Quarters’ review.

Our 2017 tax reference sheet is now available. This quick guide offers information you'll need to know for the upcoming year. Please note, tax laws may changes pursuant to the new administration's legislative agenda.

View Our 2017 Tax Reference Sheet

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...

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...

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...

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...

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...

TDC has released its Quarterly Market Review for the 3rd Quarter of 2016.

This quarter's report features:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Click to view this Quarters’ review.

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...

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...

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 -...

TDC has released its Quarterly Market Review for the first quarter of 2016.

This quarter's report features:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Click to view this Quarters’ review.

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...

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...

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...

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...

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...

TDC has released its Quarterly Market Review for the first quarter of 2016.

This quarter's report features:

• World Capital Market Performance
• Global Overview
• Returns of Stock and Bond Assets in the US and International Markets
• Global Diversification
• Much More.

Click to view this Quarters’ review.