Patrick Bourbon
Best of BFM
We've carefully assembled practical tips you can use to help you make better, more informed decisions.

Did you know that your vision can literally "trick" you? Did you know that human attention is limited and that we can't analyze all the information we receive?
Financial Tips
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Happy New Year from BFM!


Did you know that your vision can literally “trick” you whenever it can (click here)? That human attention is limited and that we can’t analyze all the information we receive (video here)? Find these and dozens of more tips in the attached.

As we begin a new cycle, the media may be pessimistic but we know that many people are optimistic about 2012 (U.S. Markets up close to 100% since March 2009; up 8 of the last 9 calendar years…). While optimism is certainly in the air, it’s also more important than ever to keep a level head about your investments.

That’s where our Best of BFM Newsletters comes in. Over the past two years we’ve carefully assembled practical tips you can use to help you make better, more informed financial decisions.

Investing money has never been a more demanding or sophisticated challenge. Wildly fluctuating markets, lack of fiduciary duty, and a huge number of new financial products have dramatically altered the investing game and made the aid of a financial planner a necessity. Managing the accounts of more than 60,000 individuals qualifies me to guide you through this investment jungle.

We at BFM want to sincerely thank all of our clients in the U.S., Europe and China. Thank you for your loyal support and business throughout the past three years. We truly enjoy working with every single one of you. Thank you for letting us be a small part of your life.


Market Update

Bull’s View:

-Sentiment is bearish

-The Fed is accommodative

-Job market and confidence are improving

-Interest rates are low

-Macroeconomic risks may be peaking

-Equities valuations are cheap

Bear’s View:

-European crisis

-Impaired credit market

-Excess housing supply

-Downward earnings revisions probable

-Corporate margins near all-time high

-Potential to increase debt ceiling again


The total return for the S&P 500 was +2.1% (total return) in 2011. If you missed the 3 best percentage gain days last year, the +2.1% gain falls to a 10.7% loss.

Since dropping to a bear market low on 3/09/09, the S&P 500 has gained +97.2% (total return) through 12/31/11.

More in the Best Of Best of BFM Newsletter!


We would welcome the opportunity to know you better, introduce ourselves, share with you the work we do for our clients, and position ourselves as a useful resource for you. A consultation would be a wise first step toward achieving your vision.


Getting to know you, your needs and motivations, is as important as you evaluating our capabilities to help you meet your financial goals. We do not charge a fee for our initial consultation during which we review your portfolio, and discuss your goals and objectives.

“ Worldly wisdom teaches that it is better for reputation to fail conventionally than to succeed unconventionally.”
— John Maynard Keynes, The General Theory of Employment, Interest and Money, 1936
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Thanks to the 500+ of you who have read the Best of BFM Newsletter (click here), which summarizes the newsletters you enjoyed in 2010-2011. By now, you should have uncovered that financial decisions are not only driven by rationality but they are also influenced by emotions. You also found out that your vision can literally "trick" you whenever it can (click here)!

Has BFM Helped You Yet? Click Here for Your Personal Guide to Financial Peace of Mind

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All Rights Reserved.

Bourbon Financial Management, LLC
616 W. Fulton St. Suite 411
Chicago, IL 60661
(+1) 312 909 6539 -
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This Newsletter is not advice.  Pursuant to the rules of professional conduct set forth in Circular 230, nothing contained in this communication was intended or written to be used by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer by the Internal Revenue Service, and it cannot be used by any taxpayer for such purpose. This newsletter may be an advertisement pursuant to federal law. 
Our firm provides the information in this e-newsletter for general guidance only, and does not constitute the provision of legal advice, tax advice, accounting services, investment advice, or professional consulting of any kind. The information provided herein should not be used as a substitute for consultation with professional tax, accounting, legal, or other competent advisers. Before making any decision or taking any action, you should consult a professional adviser who has been provided with all pertinent facts relevant to your particular situation. Tax articles in this e-newsletter are not intended to be used, and cannot be used by any taxpayer, for the purpose of avoiding accuracy-related penalties that may be imposed on the taxpayer. The information is provided “as is,” with no assurance or guarantee of completeness, accuracy, or timeliness of the information, and without warranty of any kind, express or implied, including but not limited to warranties of performance, and fitness for a particular purpose.