Dightman Captial Group
We manage dynamic investment strategies, as part of a comprehensive planning environment, designed to protect capital in sustained market contractions and grow capital during market expansions.

Protect...Grow...Repeat

Market & Economic Brief

Summer 2010

GLOBAL STOCKS
Stocks generally ended the first half of 2010 under pressure.  The S&P 500 was down -7.5% and the MSCI Developed Country index declined -15.8%.  Q2 earnings reports are expected to be strong but forward guidance is less certain.  Leading companies held up surprisingly well as markets sold off.

WORLD ECONOMY
Leading economic leading indicators produced by ECRI continue to signal a slowdown in the U.S. economy but will need to deteriorate further before signaling another recession.

INFLATION DATA
Broad inflation pressure appears to be contained and interest rates remain very low.

U.S. RESIDENTIAL HOUSING
After a pick-up earlier in the year, home sales appear to have slowed after the expiration of the home buyer credit at the end of April in most U.S. markets.

PLANNING
New conversion rules for ROTH IRA's in 2010 may present a unique planning opportunity.

Potential tax changes in 2011 are reason to review tax strategy in 2010.

Financial Planning

At Dightman Capital Group, a well designed financial plan will help us understand your unique goals and develop strategies to help you achieve them. By understanding the risk factors in your plan, as well as the fundamentals that drive returns for your portfolio, you are more likely to succeed in achieving your wealth creation and management goals.

We offer many financial planning services, and provide a sampling of the most popular below:

Concentrated Stock Services

  • Section 16 Officer Issues
  • 144 Stock Transactions
  • ISO & NQUAL Stock Option Analysis
  • Risk Management & Income Generation Strategies

Retirement Planning

  • Roth IRA Conversion Video
  • Asset Accumulation Strategies
  • Retirement Income Evaluation 
  • Income Generation Strategy
  • Retirement Account Distribution & Transfer Analysis
  • Life, Disability & Long-term Care Insurance Analysis

College Funding
We specialize in helping high-income earning families who do not qualify for financial aid develop strategies to more effectively prepare for and potentially lower the cost of college.

  • Calculate Expected Family Contribution (EFC)
  • Estimate Total College Cost
  • Understand Saving Strategies (529, Custodial, ESA, etc.)
  • Explain Federal & Institutional EFC Differences
  • Identify Potential Tax, Cash Flow, and Asset Strategies*

*Tax & cash flow strategies in coordination with your tax advisor.

Retirement Account Funding Strategy

  • IRAs & ROTH IRAs
  • SEP & SIMPLE IRAs
  • Qualified Plans (401k)

Estate Planning
Dightman Capital offers initial estate planning consultation services with advance planning strategy referred to CPA and Estate Planning Attorney experts.