InvestTalk Insider

Insider Resources

As an Investtalk Insider you now have access to investment resources that come straight from the desks of professional investors.  The special watchlists are created to give investors an idea of the type investments the pros consider when exploring a certain asset class.  The Webinar Archive provides access to various lessons about how to invest properly.  The Chart Lessons are designed to give investors an inside look at the technical analysis aspect of investing.

Dividend Focused ETF List

A short list of ETFs that hold a broad mix of dividend paying stocks or other equities that pay steady dividends.

Commodity ETF List

A list of Commodity ETFs that allow investors to gain exposure to various areas of the commodity industry.


A brief list of Real Estate Investment Trusts (REITs) that should be on investors radar if they are looking for exposure to this dividend focused sector.

Tech ETF List

Here are 8 Tech ETF's that you may want to consider for your watch list.

Hedging Vehicle List

Here are some hedging vehicles. Steve mentioned a couple on the 10-8-13 show, and due to the abundance of people calling/emailing us asking for them we thought we'd post the ones Steve mentioned and some additional ones as well.

Short ETF List

Every market participant looks for signs of a weakening or strengthening stock market. This late in the year with stock prices up over 20% for the indexes it is signs of weakening that is on everyone’s mind. Here are four ETFs that track interest rates, real estate, financials and the volatility index that should give us all hints that the stock market is going to roll over.

Dividend Growth Watchlist

Many investors today are chasing yield, but in a rising rate environment high yielding stocks tend to suffer. However some dividend payers can still do well as long as they have good growth and continue to hike their dividend payout. Here are 10 names that have a long track record of dividend growth:

Sector ETF Watch List

A list of ETF's by Sector.

Large Energy Stock Watchlist

All of these stocks on this list are big worldwide integrated energy plays with strong and sustainable dividends. They will be subject to swings in the price of oil per barrel but since they are all integrated from exploring, drilling, refining and selling end products they should be able to maintain decent profit margins for the long term investor.

Breaking the Risk Barrier - Measuring and Managing Investment Risk

Understanding and managing a portfolio's risk is the subject matter.

Doing Dividends Right - A 30-Minute Crash Course in Dividend Investing

The problem is not finding a way to gain rewards without risk, the challenge for many is learning how to manage risk. If we can learn to manage the risk factors in investing, and understand them, we can move ourselves closer to making better overall investing choices. Learn how to formulate a risk management strategy and see how to protect your money from a selloff. If you have any questions feel free to contact us, we'll be glad to help!

New America

A presentation of the growing strenghs in U.S. manufacturing.

How The Pros Do It

Steve and Justin give you an inside look at "How the Pros Do it - The Strategies and Tools the Professionals use to Grow and Protect Money."

Seeing the Cycles, How to Recognize and Harness the Power of Market Cycles

Hidden in the continuous stream of numbers - economic data, earnings results, analyst reports, and technical trends - are cyclical occurrences which help us anticipate both opportunity and risk.

Profiting in a Rising Interest Rate Environment

The information in this Webinar could have an impact on your retirement portfolio for years to come. Investment advisers and hosts of Investtalk – Steve Peasley and Justin Klein provide background into a trend toward higher interest rates and show you how to profit in a rising interest rate environment. Learn about the changes you should be making to both profit and protect your portfolio as interest rates rise. See which market sectors, stocks and funds will work best. Steve and Justin discuss the best strategy for bonds. This Webinar was first presented November 13th 2013

How to Identify Great Investment Opportunities: Valuing the Market and Companies

Every successful investor must understand how to find and evaluate information, how to integrate it into their decision making process - sizing up the market of the moment and determining the true value of companies and commodities that have the potential to bring them exceptional returns.

Webinar: Profits & Protection: Taking Advantage of Volatile Times

Of course, every investor’s goal is profits – leveraging your invested dollars to grow your retirement portfolio. But during volatile times, achieving this goal takes a well-reasoned strategy to turn sudden market moves into profits.

Wealth Workshop

We'll cover more practical money matters that impact everyone like: • Wills, Trusts, Life Insurance, 529 and Coverdell College Saving Plans • IRA, 401k, Brokerage Accounts, Annuities • Social Security, Retirement, Pension Income, Other Income • Riskalyze, the software that helps identify your risk tolerance • How to position Aggressive and Conservative portfolios

The Upside of Lower Oil Prices

We'll look beyond the headlines to the real opportunities surfacing with the drop in oil prices. We will be covering: We'll examine world oil economies - OPEC vs US Oil Producers vs The World. How politics plays into this economic tug-of-war. The countries that will benefit and those that will suffer in a world of lower oil prices.

Global Value Investing

Today, bargains are harder to find in an over-priced market. So why limit your bargain hunting when there are cheaply priced stocks in China, Europe or Japan? Today's portfolio needs a global approach. The principles of "Value" investing can be applied successfully in all markets. In this Webinar you will learn: How to value foreign stocks - compared to domestic How to manage Political and Currency risks How to factor in global economic changes (Like Quantitative Easing)

Survival & Opportunity in a Volatile Market

This Webinar teaches planning strategies that retirees and pre-retirees can use to minimize the negative impact of volatile markets on a retirement income plan, and even find the opportunities that might be missed. Steve and Justin Discuss: How to be defensive - positioning yourself to protect your assets How to find the solid opportunities - stocks that you can buy at a price that will reward you in years to come

Survival & Opportunity in a Volatile Market Webinar - April 2016

This important Webinar teaches planning strategies that retirees and pre-retirees can use to minimize the negative impact of volatile markets on a retirement income plan, and even find the opportunities that might be missed. We show you how to be defensive - positioning yourself to protect your assets. You’ll learn how to find the solid opportunities - stocks that you can buy at a price that will reward you in years to come.

How to Prosper in a Year of Change: 2017

Join us for this important wealth conference and learn how to capitalize on economic and political shifts in the coming year. Investing is all about looking ahead. We learn what we can from the past, but the question is always - how are we going to invest tomorrow? 2017 will present different circumstances - different risks and new opportunities. What will those changes be?

Reverse Head & Shoulders

There are many chart patterns that investors and traders can use to identify likely moves in the market. The head & shoulder pattern is one of the most recognized, but the inverse head &shoulder is seen far more and can give investors a great entry point with an easily calculated target and stop level.

Fibonacci Support Levels

Recognizing support and resistance levels is the most fundamental skill an investor should have that implements technical analysis in their investment process. The markets as a whole, as well as individual stocks, move in waves and patterns. Fibonacci retracement levels are derived from patterns that repeat themselves constantly in nature and thus also play out in the stock market.

Wide Range Reversals

Many investors love to ride the trend of a stock because they can rack up big gains in a short period of time as more investors jump on board the profit train. However, the failure of most traders is that they ride the stock too long and end up getting out with little profit or actually a loss. Understanding when to get out is just as crucial as knowing when to get in.

Bearish Consolidation

Intuitive Surgical has been a high flying stock over the past few years as it ran from under $100 a share during the depths of the bear market in 2009 to almost $600 a share last year. We have had many calls over the past six months on our radio show, Investtalk, about the attractiveness of the name. We have stayed clear of this name not only because valuations were stretched, but because the chart was decidedly bearish.

Classic Head & Shoulder Pattern

Our inaugural Chart Lesson highlighted an inverse Head & Shoulder pattern that formed on the S&P 500 late in 2012 that foretold of a strong rally early on in 2013. That rally has gone even further, but is now showing signs of weakness. One of the biggest warnings signs is a Classic Head & Shoulders pattern that has developed on IBM.

Previous Breakout Support

When it comes to technical analysis nothing is more important than support and resistance levels. The most basic theory of what constitutes those levels usually encompasses moving averages and pivot points that occur at a previous high or low.

Moving Average Support

The most basic tool in technical analysis is simply price. While price swings happen daily, the overall trend of the stock is the most important factor to identify. One could draw a trend line, but the easiest and best way to see trend and trend changes is with a moving average.

Topping Tail

A Topping Tail is characterized by a large wick at the top of the candle with a small body that closes near the bottom third of the price range for that day. When the price closes below the Topping Tail low on any day over the next few weeks then a near term top is probably in for that equity.

MACD Divergence

While price and pattern are the most important factors in technical analysis, there are other factors you must consider as well. Certain chart indicators can give investors a heads up to future weakness or strength that may lay ahead counter to the current price move on the chart. One of the most widely followed indicators is the Moving Average Convergence Divergence line, most commonly referred to as MACD.

Bullish Consolidation - January 2014

Many times investors see a stock move up big and try to chase the price higher, which may or may not be a good idea depending on the stock. Usually it is a bad idea to chase a big move, but there can be indications that there will be follow through upside to big move.

Weak Gaps

Stocks are inherently volatile which sometimes leads to big jumps in price overnight either up or down. In the investment world we call these “gaps” because they cause gaps in the chart. Gaps are usually caused by some sort of news about the company, such as earnings announcement or an analyst upgrade. When a stock gaps up or down they can either be the precursor to a bigger move or the end of the short term trend. The big question is: how can an investor tell which way the stock will move after that initial gap?

Distribution Days

Stock market moves can be sudden, and if they are to the downside they are very painful. One way you can identify the level of risk in the market is to follow the big institutions. You can identify when they are leaving the market by observing when and how often they are distributing stock heavily out into the market.

Chart Lesson - Trend Lines

In addition to moving averages, Fibonacci retracements and pivot points there is one other factor that can create support and resistance on a chart, a trend line.

Falling Wedge

Chasing a stock when it breaks out is a common practice by the average investor, but if you understand charts you will know that a buying opportunity will present itself at a better price. The Falling Wedge is a chart pattern that presents itself often after a stock makes a move in a short period of time.

Double Top

Searching for a reversal top in the overall market or an individual name is one of the hardest things to do, but understanding resistance levels is always step number one. Next you need to be able to read how well the stock or index handles that resistance level. When it hesitates at that level, but the price stays in that area for a while, then it is gathering steam to break through. However, when the price reverses quickly after reaching a resistance level, this is very bearish. One of the most common reversal patterns is the Double Top or Double Bottom.

Failed Breakout

Markets move in consistent patterns. They tend to trend in a certain direction and when price hits resistance or support levels they tend to consolidate before continuing their trend. After price breaks above the resistance level it is considered a "break out".

Managing A Bond Portfolio

Fixed income offers a lot of value points that equities do not. Click "view" below to read more.

Understanding Life Insurance

Life insurance is nothing more or less than a contract between the insured, the holder of the insurance policy, and the insurer. The insurer promises to pay a designated beneficiary a sum of money in exchange for premium either in a monthly payment or lump sum. Everything else comes down to the fine print in the contract.


Proper diversification of a portfolio is one of the top guidelines of portfolio management that generally every portfolio manager would agree to. Diversification aims to maximize return through the investment of low/non correlating assets in an attempt to minimize risk. This does not guarantee a winning portfolio, or one that will not go down in value. However, it does eliminate a substantial amount of risk.

Get Rich Slowly

There is no such thing as getting rich quickly. Of course there are exceptions like professional athletes, lottery winners and movie stars, but as a percentage of the population you're talking about an extremely small amount of the population.

Economic Indicators

When studying the economy we look at economic reports from the various government and non-government agencies. These reports fall into two broad categories. They are called ‘leading’ and ‘lagging’ economic indicators.

May Premium Newsletter, Issue 4 Stock Ideas

Each week for our Premium Newsletter, we give a couple stock ideas. This week we are sharing some of those with our InvestTalk Insiders.


Last year, real estate investment trusts (REITs) was one of the worst performing asset classes in the entire market. The performance was due to the high expectation of Fed tapering and the realization that the Fed may actually raise the funds rate. Higher rates have an inverse effect on real estate as financing cost increase thereby reducing affordability. As unaffordability climbs, more homes are unsold with the reduction in demand which leads to falling prices.

Housing for the Young and Old is Changing

Recent housing news is pointing the way to weakness in home ownership. It is time that maybe the return to ‘normal’ housing sales and the dream of owning your own home is changing.

Why Don't We Feel Better About our Growing Economy?

In recent surveys and as seen in the consumer sentiment numbers, Americans are not feeling very positive about the current economic outlook.

Approaching Retirement

Early retirement may seem like a dream come true for many Americans, but if not properly planned this dream may turn into a financial nightmare.

Penny Stocks

There is a group of stocks trading on what is called "Pink Sheets" that are generally referred to as penny stocks. Many would be amateur investors believe that this is where the next gold rush lies, that you can get rich trading these stocks. These investors are sadly mistaken.

Parallel Investing Strategy Keeps Clients' Best Interests in Mind

We keep clients' best interests in mind and avoids common conflicts of interest suffered by most larger brokerage firms through a strategy called Parallel Investing.

Diversifying Your Portfolio Using ETFs

If you're looking to instantly diversify your portfolio, you may come across the decision of choosing between an ETF and a mutual fund. ETFs are one of the best substitutes to mutual funds.

The World Economy

There is little doubt that the U.S. is still the most dynamic economy in the world. Our entrepreneurs continue to innovate and our economic structure allows these entrepreneurs to thrive, and be rewarded for their efforts. No other country can boast about the number of new products and companies coming to market as the U.S. can

Investor Emotion

Volatility has significantly increased as investors have come back to the markets from summer vacations. Volatility can many times have a negative impact to the psyche of an investor. Understanding your emotions and being able to control them is a very difficult skill to uphold.

Market & Economic Forecast November 2014

With a bumpy October in the rear view mirror, take a look at our Forecast for November!

Politics, Economies and the Stock Market

These three elements of our society are attached at the hip. There is no separating them as all three effect each other in different ways and at different times. The ebb and flow of each element tugs and pulls at the other. In general the health of an economy is at its peak when the stock market begins to fall. The politicians begin to react to the economy after it has already fallen but their effect is usually delayed by months and sometimes years.

Politics, Economies and the Stock Market

These three elements of our society are attached at the hip. There is no separating them as all three effect each other in different ways and at different times. The ebb and flow of each element tugs and pulls at the other. In general the health of an economy is at its peak when the stock market begins to fall. The politicians begin to react to the economy after it has already fallen but their effect is usually delayed by months and sometimes years.


The world of options can be a complicated arena, but if you can grasp the basic concept they can be a great tool for the average investor.

December 2014 Economic & Market Forecast

When to Invest in Big Oil

You would have to be living in a cave to not have noticed the crash of oil prices in recent months. This crash resulted in a sharp fall in oil stock prices some more than others. Big oil, has not avoided the pain so the question that everyone is asking is how far down will the cost of a barrel of oil go and when should one invest in the sector?

Portfolio Managent - Psychology and Investing

Investing is as much about psychology as it is about numbers and economics.

January 2015 Economic & Market Forecast

A Monthly report issued by the advisors at KPP Financial.

Improving Your Financial Freedom

Improving your financial freedom has more to do with personal habits than it does with income levels.

Philly Fed Index

One of the biggest parts of investing, yet least studied, is the economic trajectory. The most important economic indicators to follow are the leading indicators that affect future economic activity. There are a few indexes you can follow such as the ECRI (Economic Cycle Research Institute), The Conference Board and the Philly Fed. We can discuss them all, but for this we will look at the Philly Fed as it is the most transparent of the three. The components of the Philly Fed Index are as follows:

February 2015 Economic & Market Forecast

A Monthly Report Issues by KPP Financial

I Hate Tax Time

For investors it can truly be a trying time. We buy and sell stock, bonds, ETFs and mutual funds with some years more active than others. We also earn dividends. We can have short term or long term capital gains or losses and if you bought and sold a MLP (Master Limited Partnership) your taxes may be different or none at all even in a tax free account such as an IRA.

New Obama Administration Legislation to Transform Your Retirement Plan

A report issued by the White House this week, focused on individual retirement accounts, found that "conflicted advice" costs savers about 1% annually.

March 2015 Economic & Market Forecast

A monthly report issued by the advisors at KPP Financial, Inc.

Wall Street Analysts Are Always Wrong

Wall Street analysts are always wrong, however; they play an important part in expected sales and earnings for companies.

April 2015 Economic & Market Forecast

A monthly report issued by the advisors at KPP Financial

What do Politics Have to do with the Stock Market?

Managing a portfolio of stocks is not only an effort to buy the best companies with solid balance sheets but also understanding all the risks outside the confines of the corporate business. These risks are not only political in nature but risks like currency fluctuations or natural disasters play a part. Some risks you can prepare for and some you cannot.

May 2015 Economic & Market Forecast

A monthly report issued by the advisors at KPP Financial

Traditional IRA & Dividends

There are many benefits to owning dividend paying stocks. Reinvesting dividends in your portfolio can be one of the best ways to increase asset appreciation. However, despite the many advantages of dividends, they can be a tax trap when it comes to distributions in a traditional IRA.

June 2015 Economic & Market Forecast

A monthly report issued by the advisors at KPP Financial

August 2015 Economic & Market Forecast

Economic & Market Forecast - September 2015

A monthly report issued by the advisors at KPP Financial.

October 2015 Economic & Market Forecast

A Monthly report issued by the advisors at KPP Financial.

Leading Economic Indicators

Investors should always stay in touch with what matters to the economy. The economic cycle and stock market cycle are connected with the stock market cycle moving up or down before the economic cycle. Watching for signs of weakness in the economic cycle before a recession is important to the investor and to do that there are leading economic indicators that point the way.

Can You Afford that House? The 12 Costs of Home Ownership

One of the most common questions consumers face is how much house they can afford. As a Licensed Real Estate Agent and Financial Advisor it is my job to make sure buyers are fully aware of the level of financial commitment they are assuming when purchasing a home.

Bernanke Put and Yellen Covered Call

For years Ben Bernanke was the Chairman of the Federal Reserve. Like all Fed officials he came from the academic arena. In his time there he studied the Great Depression extensively and strongly believed that if he was in charge of the Federal Reserve at that time he could have done something to avoid it. His theory was that to avoid the Depression the Fed could have printed money and flooded the economy with liquidity to fight deflation. This theory gave rise to his nickname of “Helicopter Ben.” His tactics came to reality during the financial crisis, when he lowered rates to zero and instituted quantitative easing (QE).

November 2015 Economic & Market Forecast

A Monthly report issued by the advisors at KPP Financial.

Initial Public Offering

When a private company wishes to go public and have their stock trade on an exchange for anyone to buy and sell, this process is called IPO. How a company is brought to the public involves a lot of effort and the establishment of an IPO price for the stock. This price is nothing more than a guess, by the firm taking the company public, usually an investment bank, in conjunction with company management. The investment bank that takes a company public has a vested interest as it will be an owner of the stock and support the stock price the first trading day. The bank and other insiders, usually the initial owners of the company, must maintain ownership of the stock for at least the first six months after the IPO date. (Click "view" below to read more)

January 2016 Economic & Market Update

The Federal Reserve finally raised rated rate in December and the minutes showed that their decision was likely driven by the need to stay credible since they hinted at a rate rise at some point in 2015. However, the inflation figures do not give them much reason to be aggressive with their monetary policy going forward. Meanwhile the jobs figures continue to come in healthy and spending during the holiday season was solid, but not great. Wage growth continues to be modest and housing is beginning to stumble slightly. The manufacturing sector continues to deteriorate due to a strong dollar and elevated inventory levels. Low oil prices are having a dampening effect on our industrial sector and certain regions of the country. More broadly it does give consumers more money to spend, but net-net these two factors pretty much cancel each other out. Overall we continue to see the risk of the economy tilted to the downside. We continue to monitor economic figures that are not particularly encouraging.

Fixed Income Opportunities

When the topic of investments come up in a discussion, bonds are not typically the first thing that to come to mind. In a bull market, stocks are exciting and offer the hope of opportunity and wealth. Although bonds lack this type of luster, they are extremely important in the diversification of your portfolio. In fact, bonds can offer significant rewards to your portfolio with a much lower risk than stocks.

February 2016 Economic & Market Update

The month of January was not particularly kind to markets or economies. Jobs growth moderated for the month with non-farm payrolls coming in at 151,000 jobs created in January, but unemployment ticked down to 4.9%. The ISM figures actually improved slightly which is nice positive. Personal Consumption expenditures moderated again, to 2.2% in December from 3% in November. Building permits also fell which is a leading economic indicator. The year over year change in the ECRI leading economic index is now at -2.32, which is not healthy, but does not signal a recession yet. If that figure drops below 5% we are likely in for a recession in the next 12 months. Consumers are not spending their savings from low oil prices and are instead focusing on paying down debts. Overall we continue to see economic momentum slow and unless this trajectory abates soon we will likely see a recession between now and the end of 2017.

The Contrarian View

The stock market swings between two poles like a pendulum. Those poles are called Extreme Bullishness and Extreme Bearishness. There can be very long term bullish swings generally lasting between one and two decades and the bearish swing lasting around ten to twenty years. These are broad based movements of the market. We call these secular bull and bear markets.

April 2016 KPP Financial Economic & Market Forecast

The First Quarter closed out with a strong rally in risk assets and many investors felt rosier about the potential economic outlook because of it. However, if you look under the surface the economic trends are deteriorating. The Atlanta Fed GDPNOW model currently forecasts 0.1% GDP growth for the first quarter. Clearly this is not a strong figure and is a worrying trend for Janet Yellen and other Central Banks. Job figures remain solid however with 215,000 jobs created in March and more people returning to the labor force after years of decline in labor force participation. Unemployment continues to hover around 5%, but wages are starting to stagnate to some degree. ISM figures are starting to pick up a little, but durable goods orders and industrial production continue their trend lower. Taken all together, recession risks are rising, but we do not see a recession as imminent. The Fed will be forced to be in pause mode with interest rates unless the vector of economic figures change.

Real Estate Investment Trust Investing

A real estate investment trust or REIT is an investment vehicle that allows investors to diversify their portfolio within real estate. REITs can invest in a range of real estate classes such as hospitals, hotels, residential apartments, commercial buildings, etc. The benefit of purchasing a REIT is that it pools money from many investors allowing the trust to purchase more buildings than an individual would be able to buy alone. If you buy real estate on your own, you may lock up all your money in one building. A REIT gives you a piece of many different properties; that way, one underperforming building won’t destroy your portfolio.

May 2016 KPP Financial Economic and Market Forecast

US GDP for the first quarter registered a paltry 0.5% real growth which coincides with a slowdown in the economy broadly. Jobs figures continue to weaken modestly. ADP Nonfarm payroll numbers have fallen from a peak in December 2015 of 287k jobs to 155k jobs in April. Manufacturing figures have begun to bounce back slightly after a protracted downturn. US Vehicle sales have also started to decline year over year which is decent indicator of a coming recession. Industrial production is also down 2% year over year which has never happened without a recession. Retail sales remain positive, but only slightly. Corporate profits continue to decline at about 8% year over year. Building permits are down 8% Month over Month which bodes poorly for future construction spending. We continue to see broad based economic weakness that borders on recessionary conditions. We expect to see a recession here in the US by the end of 2017.

August 2016 KPP Financial Market Update & Forecast

The economic backdrop in July was fairly mixed. The economic figures out of Britain were poor on the back of the Brexit vote, but job creation here in the US was very robust. This should put the option of a Fed rate hike back on the table for the month of September. Durable goods orders continue to slump on the back of poor auto sales. It certainly looks like the cycle in autos has reached its peak. GDP figures for the first half came in very poor with economic growth clocking in at just around the 1% level. Prospects for growth picking up in the second half are good, but overall growth for the year is surely going to be below last year’s figure which supports the view that we are slowly slipping into recession that will likely hit in 2017. It is surprising to see the jobs market hold up so well despite a weak economic backdrop, but the low productivity figures support the fact that companies are simply getting less out of workers than they used to. We continue to view growth globally as weak and trending lower.