September was a mostly good month for stocks. The indexes we follow (Dow, S&P 500, Russell 2000 and NASDAQ) were all up during the month from 0.45% to 1.95%. So far this year all of them are up significantly, though not as much as they were at the end of July. So what are we looking at for the last quarter of the year? Last year in the 4th Quarter was terrible for the stock market. At it’s lowest point it was down close to 20%. However, in normal times the final quarter of the year is good to the stock market. The question is, are we in normal times? In our active management models, since we are ‘rules based,’ we got ‘stuck’ in the market last year. Our short-term indicator was whipsawed, stuck in the ‘positive’ position. After some research into our indicators we were able to fix that potential problem by using our medium-term indicator to help us react more quickly to a downturn in the market. When that same issue cropped up again this May, we were able to see the problem developing and change strategies quickly and avoid the big downturn that happened that month. We continue to search for more investment models that decrease risk while improving your return. I’ll be in Atlanta a couple of times this month looking over some management companies we may like to add to our offerings. It’s all a part of what we do to try to become more valuable as a resource for you, our client and the greatest person in the world.