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Welcome to the 'No-Guilt' blog!
People come to here because they want to build financial confidence and take meaningful action. We provide the context for those things that affect your financial health. Our goal is to help you live in the 'No-Guilt Zone'.

William Pitney is a Certified Financial Planner™ and financial coach.  He is the founder of FocusYOU, a client-centered alternative to traditional financial sales and advisory services.  FocusYOU works primarily with high tech engineering managers, scientists, technical professionals and their families.  William has been featured in the New York Times, the Journal of Financial Planning, Black Enterprise and many other prominent publications.

Top Stock Picks of 2015 - Midyear Update

In January, I blogged about Top Stock Picks for 2015. This is the update that I promised to write based on mid-year values.

So, how have the analysts and managers done?

Below are the prices as of December 31, 2014 and June 30, 2015.  A  indicates a rise in price since the beginning of the year.  A  shows a decline in price since the beginning of the year.  

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Tangible Proof of the Monetary Value of Professional Financial Planning Advice

When it comes to financial planning most people would agree that they "should" have a financial plan.

So why is it that 70% of US households don't have a financial plan?"

People come up with all kinds of reasons why they haven’t planned for their financial future:

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Always the Bridesmaid? May Be Good for the S&P

It fascinates me that so many investors continue to believe that professional money managers and market strategies can predict what’s going to happen in the financial markets. (The majority of the evidence shows otherwise). So, these investors look for and listen to the soothsayers that claim to know what's going to happen.

Like my previous blog "Top Stock Picks for 2015", we are going to track the actual results of 10 of the most respected and highly compensated market strategists on Wall Street.

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Top Sector Picks of 2015

It fascinates me that so many investors continue to believe that professional money managers and market strategies can predict what’s going to happen in the financial markets. (The majority of the evidence shows otherwise). So, these investors look for and listen to the soothsayers that claim to know what's going to happen.

Like my previous blog "Top Stock Picks for 2015", we are going to track the actual results of 10 of the most respected and highly compensated market strategists on Wall Street.

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Once Again…It’s On! Here We Go! Top Stock Picks for 2015.

Every December, the financial media publishes and broadcasts the predictions of Wall Street analysts and money managers who offer their top stock picks for the year to come.

When people ask me what I think about the predictions or what the markets will do, I tell them bluntly, “I have no idea!  Your guess is as good as mine.”

To evaluate these predictions, I highly recommend doing the following easy and educational exercise, which I’ve been doing for over a decade:

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