Posts by Curt Lyman

Curt Lyman Guest Speaker on “Money and Politics in Delaware” Podcast.

Curt Lyman Guest Speaker on “Money and Politics in Delaware” Podcast.

December 3, 2018

On November 17, 2018, Curtis Lyman, CEO and CIO of Alpha Beta Gamma Wealth Management in Palm Beach Gardens, Florida, was featured on the podcast, “Money and Politics in Delaware” to discuss his views on the current stock market and economy. October was a volatile month for stocks—the single most volatile month since the infamous October of 2008. Curt says, “We think that the economic lights are primarily green, but there are a couple of yellow caution indicators.” He feels that U.S. stocks may have reached an apex; it might be time to diversify internationally and look at sectors that
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Sales of Indexed Annuities Are Up. Here’s Why.

Sales of Indexed Annuities Are Up. Here’s Why.

November 20, 2018

Indexed annuity sales set records in the third quarter of 2018, according to the preliminary Wink’s Sales & Market Report, in its 85th edition. Non-variable annuity sales—which include indexed annuities, traditional fixed annuities and multi-year guaranteed annuities—increased almost 5% as compared to Q2.1 While variable annuities usually participate in the stock market, thus are subject to market risk or losses, non-variable annuities such as indexed annuities do not. In fact, insurance companies offer principal guarantees.* Furthermore, they offer the opportunity for growth based on a “linked” index’s performance, such as the S&P 500. They are not actually invested in the
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Introducing Our Newest Team Members

Introducing Our Newest Team Members

October 1, 2018

Alpha Beta Gamma Wealth Management is expanding to better serve our clients. Meet our two newest team members!   Raquel Bencosme has joined Alpha Beta Gamma Wealth Management with a focus on providing first-class service to our clients. She handles account openings and account maintenance, manages special projects and coordinates all of our firm’s mass email communications. Raquel is available to handle service requests from 9 am to 1 pm daily. A licensed life agent in the state of Florida, Raquel has a degree in business administration management and is experienced in the areas of management, operations, procurement and training.
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Curt Lyman Featured on “Money and Politics in Delaware” Podcast

Curt Lyman Featured on “Money and Politics in Delaware” Podcast

September 12, 2018

Curt Lyman appeared on the podcast “Money and Politics in Delaware” on August 25, 2018. The topics ranged from ETFs and bitcoin on the equities side of the market, to how rising interest rates might be poised to affect the fixed income bond side of things. Curt’s common sense approach is backed by 40 years of experience in investment management, and he’s seen two unexpectedly harsh bear markets in his career. His opinions are well-informed in terms of history. Curt feels the real issue which may be facing us now is liquidity, as there will be no buyers of bonds
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Family Life Events: When to Call Alpha Beta Gamma

Family Life Events: When to Call Alpha Beta Gamma

August 23, 2018

Here are some life milestones and events that mark when you should call us to get financial advice and help. A marriage. Whether it’s you, or your children or grandchildren getting married, when two people join together in holy matrimony they’re also going to need to bring their finances together, for better or worse. And if there are children from a previous marriage involved, it’s doubly important to meet with a financial advisor to get the relationship off on strong financial footing. A comprehensive financial plan—which includes mutual goals, time horizon to retirement, and desires for wealth transfer to family
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7/31/2018 Riding the Rockies Trading Update

7/31/2018 Riding the Rockies Trading Update

August 1, 2018

Clients who have been with us for many years know that this blog ‘Riding the Rockies’ began back in 2010 when I began spending some time in the Colorado Rocky Mountains cycling.  That time spent in the saddle of a skinny Italian bicycle has historically provided me with the solitude that’s sometime required to find balance and to ensure that all systems are functioning at full capacity, whether climbing Independence Pass or ripping down the long sweepers on Tennessee Pass at eye-watering speeds. My hope, in writing this blog, is to provide a sense of perspective when it seems like
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How to Reduce Your Cooling Costs This Summer

How to Reduce Your Cooling Costs This Summer

July 18, 2018

90 degree weather with 90% humidity can have you racing for the thermostat just to get some relief. In Florida, HVAC (heating, ventilation and air conditioning) can account for more than 40% of your utility bill, and at an average electricity cost of 12.09 cents per kilowatt hour, that can add up to a lot of money.1 Here are some alternate ideas for handling Florida heat in July.   Avoid creating additional heat in your home One way to keep the air inside your house as cool as possible is to cook outside on the grill, serve cold salads or
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Annuities: 5 Things You Should Know

Annuities: 5 Things You Should Know

June 22, 2018

June is “Annuity Awareness Month,” so we thought we would share a little bit of information about them. Here are 5 things you should know.   Annuities are similar to a pension. An annuity is kind of like a pension you can buy for yourself from an insurance company. You basically exchange a sum of money for an agreed-upon monthly payment that starts immediately, or later.   They’re not right for everyone. Because pensions are pretty much a thing of the past in corporate America, it’s tough for people to take control of their retirement income using a 401(k). The
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