As we reach the end of October, Cybersecurity Awareness Month comes to an end.  Cybersecurity Awareness Month was created 20 years ago as a collaborative effort between government and industry to ensure every American has the resources they need to stay safe and more secure online.  Below are a few tips we thought would be helpful to share:

With all the advances in medical technology and the many choices that must be made, we should all take the time to put certain documents in place in case we are incapacitated and unable to make healthcare decisions for ourselves.  While there can be some differences among states, there are generally three documents to consider:  Health Care Power of Attorney (HCPOA), Living Will, and Physician Orders for Life-Sustaining Treatment (POLST).  We will touch briefly on these, after which you should seek legal and medical counsel to put them in place as needed.

After studying many years of historical performance and interactions between various asset classes, we here at BCM set up an All-Weather portfolio allocation as our flagship investment strategy.  As you might know, this allocation gives an exposure to stocks, bonds, gold and cash.  Regarding bonds, it specifically splits that exposure between intermediate-term government bonds (+/- 18%) and long-term government bonds (+/- 10%).