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It’s not about what’s now… it’s about what’s next.


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Help your clients become vastly more comfortable with events in the world. 

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It’s not about what’s now… it’s about what’s next.


People Make Markets®

Our CPA Partners build a more valuable and dynamic legacy for themselves, their practices and their clients.

We help you focus on “what’s next.”

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It’s not about what’s now… it’s about what’s next.


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Our clients gain peace of mind through our high-level concierge service.

At Truvestments we work to meet every client’s needs through a well-structured process and timeline. We spend a great deal of time getting to know you while also allowing you to get to know us.

We have found the most successful conclusions are started from a foundation of common perspectives and matching outlooks.

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Understanding Demogronomics

A rare wealth management savant with a dual sense of humor and humility, Mike Williams epitomizes Warren Buffett’s tenet of turning complex concepts into digestible truths.

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Mr. Ed Emerson
Editor & Managing Director, HNW Magazine

A rare wealth management savant with a dual sense of humor and humility, Mike Williams epitomizes Warren Buffett’s tenet of turning complex concepts into digestible truths.

The US-based Genesis Asset Management and Demogronomics founder and managing director is a candid market commentator who enchants business leaders and high net worth individuals the world over with his “five most dangerous words”, warnings about buying into the media’s “red ink” and enduring contrarian perspective that lifts you up with one hand, and offers you an emotional pack of Tums with the other. And like many of the world’s top advisers, one of his greatest assets is his refusal to acknowledge his own strength. Ignore his insights at your peril.


Mr. Ed Emerson

Editor & Managing Director, HNW Magazine

We were lucky to come across Mike Williams’ research back in 1998 , in our search for contrarian investment views. His knowledge, passion and flawless communication skills area a favorite of those lucky enough to have heard him speak , and his regular written views are appreciated by investors and clients looking for guidance.

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Mr. Alan Steel
Alan Steel Asset Management

We at Alan Steel Asset Management in Scotland ( Independent Financial Advisors ) were lucky to come across Mike Williams’ research back in 1998 , in our search for contrarian investment views. Since then we have had Mike over to Scotland and London a few times over the years to present to clients, business, and media contacts.

Such is his knowledge, passion and flawless communication skills he is a favorite of those lucky enough to have heard him speak , and his regular written views are appreciated by investors and clients looking for guidance as antidotes to the constant negatives we hear too much of nowadays. Perhaps that’s why we are often asked when he’s coming over again.

And I’m lucky enough now to have him as a friend too.


Mr. Alan Steel

Alan Steel Asset Management

I became aware of Mike’s research back in 1998, during his first BARRON’s interview, where just about all of his projections came to pass in the markets.

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Dr. Ed Yardeni
Founder, Yardeni Research

I became aware of Mike’s research back in 1998, during his first BARRON’s interview, where just about all of his projections came to pass in the markets.

Then, I saw the value of his research again in late 1999, in an institutional piece we receive weekly at the bank. Again, his data proved to be very valuable to the investor in preparing them for important upcoming trends. He has consistently kept our readers ahead of the pitfalls and aware of upcoming sector changes.


Dr. Ed Yardeni

Founder, Yardeni Research

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The Morning Note

An overview on thoughts and lessons we have gleaned from 30+ years of helping clients from all over the globe meet their wealth-building goals.

Better Than You Think

“In the end, how your investments behave is far less important than how you behave.”

~Benjamin Graham

Good Morning,

After doing this for going on 40 years I get concerned that I may become boring.  After all, the lessons learned over those decades are not all new.  Very often, they are the same lesson – repeating in a never-ending process, never to be “learned.”

Interestingly, last year – as the haze of COVID and its related shutdowns was still very thick, the markets “topped” on September 2nd – spending until early November meandering back and forth in a “frustrating” trade range.  It was the season as they say.

Impatient investors squirmed with each headline – certain that soon the floor would drop out.  Waiting for the future to clear was, well, shall we say, expensive.  This year, if one noted, the market also “topped” on September 2nd – and has spent the last many weeks chopping through a very frustrating trade range.  This is not something wrong.

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Squall Line

Good Morning,

The season of data releases spins up to a much higher speed this week as over 200 companies will report in each of the next three weeks, with 73 S&P companies hitting the headlines this week alone.

Even as the pace quickens, the increases are steadily improving as well – just as suspected in your previous notes.  Expected year over year increases in both revenues and earnings continue their steady expansion.  Having already picked up more than two full percentage points in the boxed data below since earnings began last week, we suspect more is ahead

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Missing In Action

Good Morning,

What’s missing?  Armageddon.

Sure, recent weeks of price action is unwelcome, sloppy and unpleasant to watch.  Live through it we must, however.  Why?

It is not about what’s now – it is about what’s next.

Out of the Gate

The Q3 earnings season has been chattered about for weeks.  “No way it performs well” the experts say.  “Can’t compete with Q2, no way.” they shout from the rooftops as they rain down concerns, risk and monsters streaming toward us.  Of course it cannot compete!

It is not supposed to and espousing some negative is present because of that simply suggests the speaker does not understand what is unfolding.

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Closing In

“Beware the investment activity that produces applause; the great moves are usually greeted by yawns.”

~Warren Buffett

 

Good Morning,

Still can’t find the screwdriver in my office.  I am going to tape it to the wall the next time I put my hands on it.  Keeps it easy to get to so I can quickly loosen the screws on the window and get out to the ledge.  Then, there is the jumping part.

(Alarm sounding on fancy Apple iWatch). Oh, wait, I was dreaming.

Ok, I jest.

What a roller-coaster, huh?  I know this will not be greeted with pleasantries – but this is all good.  As covered for months now, trade ranges are a complex animal – and they are designed to do precisely what this one has done – make everyone upset.

The point?  In the near-term, markets make you feel like you are in the jungle hunting your prey.  How far in the jungle?  While there is never a guarantee, the data are falling into place and we are setting the stage for the final battle.

The title today says it all – Closing in on the end of this months long process.

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Good Riddance

People who succeed in the stock market also accept periodic losses, setbacks, and unexpected occurrences.

Calamitous drops do not scare them out of the game.

– Peter Lynch

Good Morning,

Geez I sure hope someone got the license plate of that truck.  Good riddance to September as a whole.  It delivered just as described in late summer – providing “the worst monthly result since March 2020” according to the financial news channels.  All sorts of terrible headlines are likely to follow as the demons of October’s past haunt the investor.

Today’s quote above is rather timely.

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Early Hallows Eve

A lot of people with high IQs are terrible investors because they’ve got terrible temperaments.

You need to keep raw, irrational emotion under control.”

— Charlie Munger

Good Morning,

What a week.  The “pre-earnings” roller-coaster continues.  The chatter and the growing problems are becoming incessant.  The louder the noise, the less likely the topic is set to be a real issue.  The real issues of concern are the ones that come out of left field when no one expects them.

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When You Only Have a Hammer

“Fear incites human action far more urgently than does the impressive weight of historical evidence.”

-Jeremy Siegel

Good Morning,

Well, this week we have witnessed yet another lesson about speed and fear.  The manic-depressive process of the last many years continues.  A myriad of deep-seeded doubts remain – smoldering just under the surface.  As summer came to a close, we suggested “If you think anyone is too bullish, just give me a couple weeks of red ink and we will see the bulls disappear…”

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In The Shadows

When an investor focuses on short-term investments, he or she is observing the variability of the portfolio, not the returns –

in short, being fooled by randomness.  

-Nassim Nicholas Taleb

Good Morning,

It was late 2003 and we were just pulling into McDonald’s in Orlando.  We had landed earlier and grabbed a rental car for the week.   It was to be the first trip for Max to visit all the Orlando Theme parks.  Disney, the water parks, Sea World – the whole library, LOL.  Max was fresh off seeing Finding Nemo – 12 times I think – and we were on a hunt to, well, “find Nemo, Dad…”

I was in the middle of parking the car and my cell phone rang.  I finished parking and grabbed the call just before it went to VM.  I said, “Hello…”, and then there was that pause and some static – the same pause you get when you know it is a call from overseas.

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Don’t Blink

“If I’d only followed CNBC’s advice, I’d have a million dollars today.

Provided I’d started with a hundred million dollars.”

~Jon Stewart

Good Morning,

Ahh yes, this one will leave a mark.  Don’t fret, I wrote down the license number of the truck that will hit the market this morning on the open.  The title implies that things will get a good jolt this morning.  If there was any sense of remaining summer haze, that will be all but eliminated when you get the smelling salts boost after what looks like about a 700-point “adjustments on the DOW this morning.

With the weak open today – here and across the globe – we have officially “entered” the price bands covered last week in a couple of your charts.  Mind you these are just technical targets.  Those ranges drawn were not intended to imply a given but should provide a real battle for good and evil.

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      Learn more about the Morning Note

      The purpose behind our “Morning Note” is different than typical newsletters.

      We don’t get lost in Wall Street jargon. Why? After nearly 40 years, we can tell you that “jargon” is what causes most of the mistakes investors make over time.

      The Morning Note helps our clients see through the constant fog driven by the media process. That process focuses on things which will – and are often intended – to scare you. If you are not scared, you won’t pay attention to what they say; if you don’t pay attention to what they say, they lose ad revenue. Simply put: it’s a business model – not news.

      Instead we focus on what we like to call “bread crumbs” along your pathway to your goals. You are your own “index” – not the S&P 500. Your goals, your interests and you and your families staying on your course. That requires a vastly more productive viewpoint. It requires we stand tall in the storms. It requires we remain patient and disciplined, while focusing on the long-term horizon ahead. The “bread crumbs” are designed to deliver your most valuable outcome – staying on your course. Many battles, setbacks and disasters await. Always have – always will.

      The theme of the Morning Note will allow one to always recognize this over-rising fact: When we started in this business, the DOW hovered at 950. It is well above that today. And – most important – every single thing we have been taught to be terrified of – has already unfolded, all while our country built unprecedented wealth. So one has two choices – fear today or be confident of tomorrow. The history of the United States is clear. We overcome, we build, we learn, we expand, we succeed, we lead. Sure, we mess it up at times – but know this: the data is clear that our best years are dead ahead.