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 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.

WINTER 2012

GLOBAL INVESTMENTS
Stocks are experiencing elevated levels of volatility which is often associated with market corrections and occasionally significant declines.  International markets have experienced the most pressure.  The overall technical structure of the market has turned somewhat bullish.

WORLD ECONOMY
The Data coming out on the global economy poses serious challenges.   European banks may be experiencing liquidity challenges.  Unemployment in the U.S. remains elevated but improving.

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.  As developed country economies continue to reduce debt levels, deflation in stocks, real estate and commodities may continue. Despite current monetary policy, inflation is likely to be held in check until National Income and Capacity Utilization have increased.

U.S. RESIDENTIAL HOUSING
It appears housing may be stabilizing in some markets.  Prices are not expected to start recovering any time soon. 

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

WANT TO LOWER COLLEGE COSTS?

At Dightman Capital Group we understand the work that goes into choosing the right college for your son or daughter. We also understand that, other than planning for retirement, a college education for your student will be one of your biggest financial burdens. Our goal is to cut through the financial confusion, paperwork and bureaucracy to find the right solution for your unique needs.

Financial Considerations

There are many financial elements involved in the process and we can help clear up all the confusion. Our service will introduce you to the unique tax laws associated with college savings and spending. We will also help you sort through how universities award financial assistance by evaluating merit aid, gift aid, scholarships, loans, work-study etc. We will also provide you with a side by side comparison of financial aid available to your student for the schools of his or her choice.

Academic Considerations

There are several academic factors that can impact the attractiveness of your student to a particular university. Our service will outline several strategies to consider beyond encouraging students to deliver good grades. It’s never too early to have a good academic strategy and, for that matter, it is never too late. We can show seniors who may think that they’ve missed the boat how they can set themselves up for success.

Admissions Strategy

When comparing and selecting colleges for your student, you need to understand the competition. First, your student needs to know how they compare to other students at a particular school. Universities also have admission goals and will compete for the right students. How the student approaches the admissions strategy can have a big impact on whether they are even considered. Our service will provide you and your student with an understanding of this unique process and the ability to develop a plan to separate your application from the rest of the stack.

Our Service Provides:
  • Expected Family Contribution (EFC) calculation
  • EFC with potential asset & income changes
  • Financial Aid Statistics for each college of interest
  • Aid Eligibility Report
  • What Will College Cost Estimate Report
  • Comprehensive 2-page report on each college from Wintergreen Orchard House
  • Cash Flow Report for College Years
  • FAFSA Example & Answer Key
  • PROFILE Example & Answer Key
  • Academic Suggestions & Strategies
  • Admissions overview & approach
  • Report:  Tips for Staying Safe on Campus
  • Report:  How to Avoid Financial Traps on Campus
  • Peace of mind knowing you have a college plan

We make it very easy to explore our service in more detail. For additional information, don’t hesitate to call and set up your FREE consultation. Call 206.652.8300 or send an email to