Bear Market Investing: You’re Doing It Wrong!



Hey, everyone!  It’s certainly been an interesting few weeks in financial markets.  As I record this video in March 2020, U.S. stocks are in a bear market, the first “official” bear market since 2009, though there were plenty of interruptions along the way.  The proximate cause of this bear market is the coronavirus and associated economic disruption.

But this video applies to bear markets regardless of the cause… and I imagine that I’ll share it again in the future.Read More »

Rental Property Depreciation Isn’t Optional

Tip of the Week



Hello, Derek Merkler, the military financial advisor here with this week’s tip of the week.  The topic for this video is a trend I’m seeing amongst veterans who own rental properties.  If you are watching this video, you may or may not own a rental property, but you likely know that a common investment strategy for military veterans is to buy homes at each duty station to which they are assigned over the course of their career and then rent out those homes when they move to a new duty station.Read More »

Monthly Economic Update: September 2019


Hello, folks, this is Derek Merkler, the Military Financial Advisor with my economic update for September 2019.

In August, all eyes were on the U.S.-China trade dispute. The White House announced new tariffs on Chinese goods. Some are effective now; some will be effective in December. China retaliated, in two ways. First, it manipulated its currency by reducing its value compared to the U.S. dollar. Currency devaluation makes Chinese goods less expensive for U.S. buyers and it may help offset the impact of tariffs.[1]Second, it scheduled new tariffs on American goods.[2]Trade talks between the U.S. and China may resume this month though, of course, time will tell.[3]Read More »

Dow, NASDAQ, S&P 500 Advance

Weekly Commentary — September 9th, 2019

The Week on Wall Street

Stocks rose last week, with help from two developments: the announcement of further U.S.-China trade talks as well as August hiring and manufacturing numbers that seemed to bolster the argument for a rate cut by the Federal Reserve.

The broad U.S. equity market, as represented by the S&P 500, added 1.79% during a 4-day trading week. The Dow Jones Industrial Average improved 1.49%; the Nasdaq Composite, 1.76%. Foreign shares tracked by the MSCI EAFE index gained 1.69%.[1],[2],[3]Read More »

Tip of the Week: The Type of Client That I Serve


Hello! Once again, I’m Derek Merkler, a CERTIFIED FINANCIAL PLANNERTMProfessional and in today’s video, I want to share with you the type of client that I serve.

When I first started my business, I figured that I would help anyone that signed the dotted line. That was a big mistake!

I learned that some people want their advisor to be a scapegoat.  Others want a stock picker.

Others want someone who can predict market tops and bottoms… or predict the specific date that a recession will start.  The smartest people in the world with access to all of the data in the world can’t get that right! Why would I think that I can do better?

I remember meeting with one person who said “I have this investment where I get a guaranteed 10% return every year.  What do you have that will do better?”  After asking more questions, I realized that this “guaranteed investment return,” which came from illiquid real estate investments in Texas, was an illusion.

Meetings like that, along with some early clients that wanted to fight against my recommendations, help clarify in my mind the specific type of veteran that I want as a client.

These aren’t people who are going to brag at a cocktail party that they bought bitcoin… or gold right before it started going up.  Or that they need to show up at that party with the most expensive car.  Or that they KNOW for sure that an inverted yield curve will bring about a recession.

Those types of games are a waste of time and a distraction from the truly important aspects of financial planning: establishing a sound financial foundation and then saving and investing consistently in an investment portfolio that fits the PLAN.

It’s amazing how people will spend so much time debating the best way to invest $50 per month but won’t put any effort toward investing $500 per month instead.  Or debate fund choices within their TSP or 401k but won’t contribute enough to receive the employer match.

So, what type of person are you?

If you want an investment guru or someone who will promise higher returns with no risk, then we won’t be working together.

But if you are a military veteran who wants help organizing and focusing your finances and to develop your financial plan around building long-term wealth so that you can live your best life, send me a message.

Thanks for watching!


Thanks for watching!

Please visit my website at: 

Remember, the topics discussed in this video are for informational purposes only and that past results do not guarantee future performance. If you would like to discuss your financial situation, please email me at 

Advisory services offered through Parsonex Advisory Services, Inc., 8310 S.Valley Hwy, Suite 110, Englewood, CO 80112. 303-662-8700.