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OUR MISSION
To provide high quality financial advice to individuals, private businesses and non-profits.
What to Expect in 5 Steps
Archer Bay Capital is a Referral-Only Firm
1) We review your financial needs and work together to create a plan to meet your short- and long-term financial goals. This involves reviewing your current expenses, savings rate and current investments to project future investment income. We will project current income potential if you are already retired.
2) We open an investment account at Fidelity Investments, sometimes several accounts if you have retirement accounts (such as an Individual Retirement Account – IRA) and taxable accounts. Your monthly statements, annual tax reporting, online access, and performance monitoring is all managed by Fidelity. As your financial investment advisor, we only have the ability to make investments in your account. As an informed investor, you control everything else — including the next step.
3) We work with you to create a unique, personalized investment plan. Our financial planning services will specify the investment guidelines that we will use for your portfolio. We will identify what will be bought and sold in your account and cannot be changed without your approval.
4) Ongoing monitoring and regular reviews. We will set up a review schedule based on how frequently you would like to meet to discuss your portfolio and, as your certified financial planner, we will answer any questions you have about the financial markets.
5) A well-designed plan should be as stable as your own personal situation. We strive to keep trading to a minimum to keep expenses as low as possible. We believe in transparency in all things we do: the planning process, the execution of your investment plan, and your portfolio performance — and there are no hidden fees.
Blog & Commentaries
Investment and market articles from Archer Bay Capital
We believe an informed investor has the best chance to successfully reach their goals. Archer Bay’s commentaries offer clear and concise overviews on a variety of economic and market events that affect all investors.
No one can accurately predict the returns of the stock or bond market. But we do know how the markets have performed in the past. Start with the Market History Report, which shows the annual return of stocks, bonds, cash and inflation, plus significant historical events, every year back to 1928.
Because inflation eats away at your spending power, targeting returns in excess of inflation is the first goal in investing. Learn about how the bond market tries to stay ahead of inflation in the Bond Market and then read about how the stock market is driven by the earnings growth of corporations in Earnings and the Stock Market.
Blog Posts
Commentaries
Five Ways FOMO Gets You Into Investing Trouble
We consider how FOMO – Fear Of Missing Out – leads to bad investing decisions.
Market History Report 1928-2018
Check out the market returns for stocks, bonds, cash and inflation for the past ninety years. Also included are historical events that happened in each year.
Selling Employee Stock Options? Decide in 7 Steps
Follow 7 steps to help make the decision of whether you should sell your company stock options and how much.
Why the S&P 500 is the best proxy for the US stock market
In most of our blog posts, we refer to the S&P 500 as representative of the US stock market. Why do we focus on the S&P 500 and why does it matter?
The Bond Market is More Important than the Stock Market
The stock market gets all of the news headlines but the bond market is nearly twice as big and more important to the health of our economy.
Perspective During Volatile Times
The pain from losing money in the markets is often greater than the emotional reward of earning money in the market.
Are Investment Accounts Safe?
There are three basic types of banks. We are all familiar with the commercial bank—it is where you have your checking and savings account and maybe your mortgage or car loan.
Why Expenses and Fees Matter So Much
Expenses and fees have a big negative impact on your returns overtime due to the compounding effect.
Earnings and the Stock Market
Understand the relationship between earnings and the S&P 500 price index.
Inflation Eats Away at Your Spending Power
How does inflation affect earning power over time?
US GDP measures spending not wealth or earnings
Markets are driven more by the economy than by politics.
What is a Yield Curve?
What do they mean and why do we care?
Terri Z. Campbell, CFA Founder, Managing Principal
After more than twenty-five years managing portfolios for pensions, banks and a large insurance company, I started Archer Bay Capital to offer personalized financial planning and institutional-quality money management to individuals in a cost-effective way.
I earned my MBA from Cornell University, my BA from The Ohio State University, and I am a Chartered Financial Analyst. In the past, I have managed a $4 billion stock fund, created asset allocation strategies for multi-billion dollar portfolios, and hired and fired specialized money managers.
Since 2012, I have been a committee member representing an investor’s perspective on GAAP accounting rules for the Emerging Issues Task Force at the Financial Accounting Standards Board (FASB) and am a member of the Boston Economic Club. I believe in the importance of community involvement and have served on the Board of the Big Sister Association of Greater Boston for more than 10 years in addition to supporting numerous charities focused on social services, children, and animal welfare. To me, money is a tool to support our goals and not the goal itself. Just as institutions use their financial resources to support their business objectives, Archer Bay Capital helps people reach their personal goals by providing clients with practical, straight-forward financial guidance that helps them achieve financial independence.
MONEY IS PERSONAL
Providing personalized financial planning to meet your unique goals
As your independent investment advisor, we believe in choice and transparency. We are a fiduciary firm which means our clients’ interests always come first, and you choose how you want to work with us.
- Financial Planning: For a flat fee, we provide personal financial planning for individuals and small businesses that allow us to work together to create your personalized investment plan. This will include specific investment recommendations and guidance on how to self-manage the plan.
- Full-Service Option: Or, for a quarterly management fee, we will provide full-service investment management services, ongoing monitoring of your portfolio, and will consult with you throughout the year on your financial needs. Fidelity Investments is the bank we use, but we are an independent investment advisor and not owned by Fidelity.
Contact Us
We are a referral-only firm. Please send us questions about how the process can work for you. We look forward to hearing from you.
Archer Bay Financial Calculator:
Download the free Archer Bay Financial Calculator app. Track all of your monthly and annual expenses and use the app to target your savings and spending goals.
Features include:
- Expense calculator
- Debt calculator
- Savings growth overtime
- Withdrawal of savings
- Loan calculator, home, car, school
This app does NOT forward any of your data to Archer Bay Capital. It is available for iOS and Android users.
CONTACT US
Archer Bay Capital
Boston – Columbus – Delray Beach – Sarasota – Sun Valley
617-453-8789
Is the Stock Market Running Out of Steam?
05-07-2024
After strong stock returns in 2023 and again in the first quarter of 2024, volatility has reared its ugly head in recent weeks. In today’s blog, we want to look at why that has been happening and what we see looking ahead. Over the past twelve months, the S&P 500...
Is the Magnificent Seven really the Magnificent One?
03-05-2024
The tech stocks labeled the Magnificent Seven last year, may not be so magnificent after all.
Year-End Wrap Up
12-20-2023
It has been a bumpy ride, but the markets are ending strong.
Are Markets Expecting a Recession?
09-20-2023
The economy is sending mixed signals, and so are the financial markets. We dig into the data to look for guidance about what to expect going forward.
The Debt Ceiling and the Bond Market
05-02-2023
The political fight over the debt ceiling is impacting the bond market.
Earnings, Recession Fear, and Banks
03-28-2023
It has been a difficult market for both stocks and bonds and there are calls for a recession this year. It appears that we are already in an earnings recession and that an earnings growth will start to recover in the coming months.
Silicon Valley Bank and Bank Runs
03-13-2023
In the 1946 movie It’s a Wonderful Life, there is a run on George Bailey’s bank when depositors want to withdraw their money all at the same time. Since the business model of banks is to loan out the money that customers deposit, when too many customers want to...
Goodbye 2022 … Glad to be in 2023
01-04-2023
2022 was an unusual year in both the stock and the bond markets. We examine why and what to expect from 2023.
Brief, and Surprising, Review of the Market
09-14-2022
Despite the market decline, corporate profits are hitting record highs. Investors and consumers are nervous, so we look deeper into numbers.
The Waiting Game
07-15-2022
High inflation and low bond rates are not a sustainable situation. Read how this is playing out in the financial markets…and what to expect next.
Inflation, Bond Yields, and the Stock Market
06-13-2022
It is a very unusual time in the market when corporate profits continue to grow but stock prices decline. We look to the bond market for an explanation.
Market Declines, Recession, & Inflation
03-16-2022
Stocks have had a painful ride over the last two and half months, but bonds don’t look great over the past year either. What can we expect going forward?
Rough Start to the Year
01-31-2022
The decline in the stock market this year has spooked some investors. Learn why we think it has declined and what we think will happen from here.
What is Happening in the Stock Market?
12-01-2021
It has been a strange year in the financial markets on many levels. Despite the recent pullback, the S&P 500 is up 23.2 percent for the year. But as we have seen in the last week, it hasn’t been a straight line up.
Are We in a Stock Bubble?
06-28-2021
What is driving the strong stock performance this year and can we expect it to continue? Are we in a bubble or is there more room to grow?
What’s Next for the Stock Market
12-15-2020
Wall Street analysts are expecting a recovery in earnings in 2021 and current forecasts are for companies, collectively, to exceed 2019 profits.
How Does the US Rank in Taxes?
10-26-2020
In case you were considering moving to another country after the election, here is how other countries stack up versus the US in taxes.
Strange Times, What Happens Next?
08-24-2020
If you are wondering what to do with your money when interest rates are so low, you are not alone.
Roundtrip for the Market?
06-03-2020
Unemployment is at unprecedented levels but the stock market keeps rising. What is the market expecting that we aren’t seeing?
Why is the stock market up when the economy is in recession?
04-27-2020
Stock prices reflect what is expected in the future, not necessarily what is happening now. The economy will open again and people will get back to work.
150 Years in 5 Charts
03-19-2020
The ingenuity and resilience of humans is amazing. And by extension, the creativity and adaptability of businesses and the economy is a reflection of that.
Uncertainty and Panic
03-13-2020
The stock market has exceeded our previous forecast for the downside. It is pricing in a recession, or worse. When emotions run high, it helps to fall back on the numbers.
Where is the bottom?
02-26-2020
Is the market overreacting to the threat? What happens if it’s worse than we think?
Outlook for Stocks in 2020
01-20-2020
When 2019 started, the markets had just swooned with the fear of recession. Expectations were low and companies were pessimistic. What a difference a year makes.
The S&P 500 is reaching new highs. What happens next?
11-06-2019
Archer Bay Capital explains why we remain positive on the stock market even as it reaches new highs…and what to look for if it turns.
Worried about General Electric (GE) Bonds?
09-05-2019
Archer Bay Capital discusses GE bonds in the context of our asset allocation strategy — and the Markopolos Report — and whether bond investors should be worried.
What is the stock market downside from here?
09-04-2019
Archer Bay Capital discusses continued uncertainty and stock market volatility. Read our latest blog to learn how low the stock market could go in a recession.
Stock Market Outlook for the Remainder of 2019
06-20-2019
Archer Bay Capital provides a stock market outlook for the remainder of 2019 that discusses volatility, corporate earnings forecasts, bond markets, and the tariff announcements. Learn more today.
Worried About Rising Inflation and Interest Rates?
04-24-2019
Archer Bay Capital explores inflation and interest rates and the effect of generational spending and higher wages on both. Read our blog to learn more.
A Wayfair Inc. Stock Report (NYSE:W)
02-26-2019
Some friends and clients work at Wayfair and they ask, how can the stock go up when the company loses money?
Stock Market Volatility: Keeping an Eye on Corporate Earnings
10-22-2018
It has been a tumultuous year in the stock market and if you only read the business headlines or watch CNBC, you would think that the market is down for the year.