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

Market & Economic Summary

  

Dightman Capital believes one of the key to success in today's environment is to remove entrenched investment biases and implement an adaptive investment process and execution ability. 

The following is our opinion of near-term market and economic conditions.

SPRING 2012

GLOBAL INVESTMENTS
After a very strong rally in Q1, which was a continuation from Q4 2011, stocks have come under selling pressure.  A normal market correction should be expected but investors may want to be on guard for a more sustained market decline given the fragile nature of the current environment. 

WORLD ECONOMY
The Data coming out on the global economy still poses serious challenges.   The debt crisis in Europe could eventually pose liquidity challenges.  Unemployment in the U.S. remains elevated but appears to be improving somewhat.

INFLATION DATA
We believe broad inflation will remain stable for goods and services measured by the Consumer Price Index.  There are risks of elevated prices in select categories like education, healthcare and energy.  Despite current U.S. monetary policy, inflation is likely to be held in check until National Income and Capacity Utilization have increased.  As developed country economies continue to reduce debt levels, deflation in stocks, real estate and commodities may continue.

U.S. RESIDENTIAL HOUSING
It appears housing may be stabilizing in some markets but price recovery may be slow. 

PLANNING
New conversion rules for ROTH IRAs allow high income households an opportunity to fund this unique tax treatment retirement account.

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:

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)

Concentrated Stock Services

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

You can find more details on our concentrated stock strategies here.

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