Sommers Financial Management - A Wealthcare Company

10/31/2026

It's 10/31, so you know what that means: It's time to celebrate........no not free candy and crazy costumes.......

1031-Exchanges! Tax free real estate exchanges, and we are here to help you rid yourself of landlording - Tenants, Toilets, and Trash - and begin receiving truly passive, tax-advantaged income.

You should always identify a DST in your 1031 exchange, just in case your target property falls through. We provide you reinvestment options from Amazon warehouses to Class-A high rise apartments in Miami.

Give us a call when you're ready to retire from landlording. We are here to help you plan effectively, and invest efficiently - including when it comes to real estate!

Happy 10-31 day!

Explore tax-advantaged strategies for wealth building and estate planning through 1031 exchanges and DSTs. Maximize returns and defer capital gains with informed investment choices.

10/01/2026

If there is not something declining in value in your portfolio, you're likely not properly diversified.

We love to check in daily on client holdings and see both red and green every day.

Makes us proud! 😉👊

09/28/2026

If the interest rate on your mortgage is lower than the interest rate that can be earned on U.S. Treasury bonds, you should be in no rush to pay down your mortgage.

Charts for the U.S. bond yield curve, key interest rates, and macroeconomic indicators.

09/24/2026

We had a discussion about real estate versus Inflation-Protected Treasury Bonds. Adam's contention is net-leased real estate has similar risks, and potentially less return in inflationary environments than TIPS.

Here is a 5-year lookback through an inflationary period.

Very correlated, to be sure - but bonds mutes volatility versus real estate equity!

09/11/2026

We will never forget.

09/08/2026

📅📢📢 Calling all BUSINESS OWNERS!!! 📢📢📆

09/04/2026

Are you making the most impact with your charitable donations?

For both you and the organizations you support?

We can help design your giving strategy to be most efficient and impactful!

09/01/2026

While we are fans of Target Date Retirement Funds for those in the "accumulation phase" of their financial lives, we can compare similar portfolios that we manage against them.

Here is the iShares "In Retirement" Target Date ETF, which allocates 40% to stocks, versus our 40 Portfolio - which also targets 40% stocks.

This is a graph showing all performance since inception of the iShares ETF.

08/25/2026

What investment strategy do you like best given the following choices based on 75 YEARS of history:

A. Average Return: 5.7%, declines 2.6% in one quarter every 15 YEARS.

B. Average Return: 6.6%, declines 5.6% in one quarter every four years.

C. Average Return: 7.4%, declines 6% in one quarter out of every seven quarters.

D. Average Return: 8.3%, declines 6.2% in one out of every three quarters.

08/20/2026

Options-based strategies inside an ETF wrapper have become very popular since 2018.

One strategy was created as a "bond alternative" and here are the quarterly statistics of the strategy based on the past 75 years of stock market history:

1. Loses value in one quarter every 15 years. Average loss in those quarters is only 2.6%.

2. In one out of every 3 quarters provides no return - 0%

3. in 50% of all quarters, hits the upside cap average of 2.4%

4. In one out of every seven quarters averages 1.4% return

5. Expected annual return based on 75 years of history: 5.71%

6. Actual annual rate of return since inception on 6/30/2021: 6.02%, with a maximum intra-quarter decline of 4.9%.

Given the Aggregate US Bond Index over the past five years has returned an annual rate of -0.21% with a drawdown of -21% maybe bond alternatives are something to consider.

How are you positioning your bond portfolio these days?