Posts from: Blog

James R. Wigen, CAM® ChFM® CPM® CWM®, Sr. Portfolio Manager & Sr. Wealth Manager, Independent Financial Management wishes everyone Happy Holidays!

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James R. Wigen, CAM® ChFM® CPM® CWM®, Sr. Portfolio Manager & Sr. Wealth Manager, Independent Financial Management, Wishing everyone a Happy Thanksgiving!

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In The News, James R. Wigen, CAM® ChFM® CPM® CWM®, Sr. Portfolio Manager & Sr. Wealth Manager, Founder of Independent Financial Management or IFM, Approved as a FINRA Arbitrator

Independent Financial Management or IFM founder James R. Wigen has received the FINRA Arbitrator Certificate of Completion, for Dispute Resolution – Basic Arbitrator Training Program on September 23, 2023.  James is now officially classified as... (more...)

Q3 2023 Summary by James R. Wigen, CAM® ChFM® CPM® CWM®, Sr. Portfolio Manager, Independent Financial Management

Third Quarter of 2023 has now come to an end. The past quarter has certainly been a tale of two stories.  On July 31st, the Stock Market reached a Top for the year, especially High-Quality Growth Technology stocks. At the beginning of 2023,... (more...)

Debt Ceiling War Heats UP, US Debt Downgrade Coming Like 2011? by IFM’s CIO, James R. Wigen, CAM® ChFM® CPM® CWM®, Sr. Portfolio Manager & Sr. Wealth Manager

This past Wednesday, the House passed a Debt Ceiling Bill that would raise the Debt Ceiling while cutting Trillions of dollars in Government Spending. The House voted 217 to 215 to pass the Limit, Save, Grow Act of 2023, with all but Four Republican members... (more...)

Right Now, Is Managing Equity Exposure More Important Than Equity Diversification? by James R. Wigen, CAM® ChFM® CPM® CWM®, Sr. Portfolio Manager & Sr. Wealth Manager

The First Quarter has come to a close in 2023.  What do we know so far? Technology stocks such as Draftkings, Twilio, Microsoft, Meta (Facebook), and Nvidia are up around 80% in 2023.  Have you missed the upside?  Yes, for now! Don’t... (more...)

IFM’s Custodial Firm Financial Update – by James R. Wigen, CAM® ChFM® CPM® CWM®, Sr. Portfolio Manager & Sr. Wealth Manager

Over the past 10 days we have learned about several Banks dealing with systematic failures, therefore, I want to update you on the Custodial Firms IFM uses. We offer clients several Custodial Firms to hold their investment accounts through, Charles Schwab,... (more...)

Updated 2023 Market Prediction by CIO, James R. Wigen, CAM® ChFM® CPM® CWM®, Sr. Portfolio Manager & Sr. Wealth Manager

Happy New Year to Everyone! Thankfully 2022 is over, and so far in 2023 the market is showing signs of strength. Earnings are starting to be announced, therefore, we are starting to learn how earnings look for stocks and what the future growth... (more...)

Health Savings Accounts or HSAs as Described on IRS.gov by CIO, James R. Wigen, CAM® ChFM® CPM® CWM®, Sr. Portfolio Manager & Sr. Wealth Manager

  What are the Benefits of an HSA?   You may enjoy several benefits from having an HSA. You can claim a tax deduction for contributions you, or someone other than your employer, make to your HSA even if you don’t itemize your deductions on... (more...)

Stock Market Expectations in 2023 by CIO, James R. Wigen, CAM® ChFM® CPM® CWM®, Sr. Portfolio Manager & Sr. Wealth Manager, Independent Financial Management (IFM)

The Stock & Bond Market decline in 2022 was similar to the decline in 2008, if you were invested back then, you remember it was not a fun time. It is important to understand the Economy was pretty good in 2022, yet the markets declined quite a bit,... (more...)

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