RAP/Pension InterestRate Chart November 2020

BP EMPLOYEES, Interest rates for October (affecting February benefit commencement dates) rose across the board and finished in line with our forecasts from last month. It also marked the second consecutive month that interest rates have risen from their historically low levels.  Currently we anticipate November’s interest rates to finalize very close to where they

RAP/Pension InterestRate Chart October 2020

BP EMPLOYEES, Interest rates for September (affecting January benefit commencement dates) rose moderately and were mostly in line with our projections. Last month’s rate increases mark the first increase in several months and we anticipate this to continue, especially if there is no additional stimulus passed by congress. Based on this increase, December is currently

Hilcorp 401(k) Model Allocations – Q4/2020

Attention Hilcorp Employees, Capstone Wealth Advisors is pleased to release our Q4 2020 401(k) model allocations for your Hilcorp 401(k). As US and global economies continue to recover from the impacts of COVID-19, we expect to see continued overall growth but with heightened volatility namely in conjunction with the upcoming presidential election. Many of you

Should the Presidential Election Affect Your Investment Strategy?

Most voters say “yes” but historical research says “no”. It is common for voters to have strong beliefs supporting why their political candidate is more beneficial for Wall Street, but research would argue that is not the case. Stocks have historically performed well regardless of which party controls the White House (we will revisit this

BP 401(k) Model Allocations – Q4/2020

Attention BP Employees, Capstone Wealth Advisors is pleased to release our Q4 2020 401(k) model allocations for your BP ESP.  As US and global economies continue to recover from the impacts of COVID-19, we expect to see continued overall growth but with heightened volatility namely in conjunction with the upcoming presidential election. Many of you

RAP/Pension InterestRate Chart September 2020

BP EMPLOYEES, Interest rates for August, which impact BP Employees collecting their pension on December 1, were flat compared to November’s rates and mostly inline with our expectations. Our outlook for interest rates in January suggests we will see another month of minimal changes in rates. The slight change in rates means retirees should anticipate

RAP/Pension InterestRate Chart August 2020

BP EMPLOYEES, The interest rates for July, which impact BP Employees collecting their pension on November 1st, continued to decline and were almost exactly in line with our estimated rates. For those of you currently elected for a November 1st Benefit Commencement date, we recommend you keep the elected date. If you have not yet

RAP/Pension InterestRate Chart July 2020

BP EMPLOYEES, June’s interest rates impacting those of you collecting your pension on October 1st, declined as expected and was mostly in line with our forecast from last month. The impact these lower rates will have on your pension value can vary significantly from person to person. It is important to take a close look

BP 401(k) Model Allocations – Q3/2020

Attention BP Employees, Capstone Wealth Advisors is pleased to announce the release of our Q3 2020 model allocations for your BP ESP. As the effects from COVID-19 continue, so does the heightened volatility in financial markets. The second quarter of 2020 was a drastically different scenario from the first quarter, with equity markets recouping a

BP & Hilcorp 401(k) Model Allocations – Q3/2020

Attention BP Employees, Capstone Wealth Advisors is pleased to announce the release of our Q3 2020 model allocations for your BP ESP & Hilcorp 401(k). As the effects from COVID-19 continue, so does the heightened volatility in financial markets. The second quarter of 2020 was a drastically different scenario from the first quarter, with equity