Ron's Library

Ron Getto Senior Investment Advisor
October 02, 2020 - Investment Model Update
Investment Model Update - Investing for Returns in a Low Return Environment
A lot of us have been around long enough to remember buying safe government bonds yielding six, seven or even eight percent annually, and twelve-month bank-issued CDs at five percent. Today, these investments yield less than one percent. Why is this important?
Ron Getto Senior Investment Advisor
Ron Getto Senior Investment Advisor
June 09, 2020 - Article
Making Adjustments
At WT Wealth Management (WTWM), we construct portfolios that reflect the risk tolerance of our clients. Putting the right mix of assets together, though, is complicated. Ideally, your portfolio will reflect two important considerations...
Ron Getto Senior Investment Advisor
Ron Getto Senior Investment Advisor
February 22, 2019 - White Paper
Practice Makes Permanent - The Good Habits
Conventional wisdom says that many New Year's resolutions don't make it past the end of January. But that never means it's too late to aim higher anyway. Midway through February, we still have the opportunity to shed old practices...
Ron Getto Senior Investment Advisor
Ron Getto Senior Investment Advisor
November 15, 2018 - White Paper
Practice Makes Permanent
On June 22, 2018, The Wall Street Journal declared that Americans are facing a financial catastrophe. For the first time since Harry S. Truman was president...
Ron Getto Senior Investment Advisor
Ron Getto Senior Investment Advisor
September 01, 2018 - Article
What you can't see will hurt you
A year ago, I received a call at home from my front desk manager. A middle-aged man had just been taken to the hospital by stretcher...
Ron Getto Senior Investment Advisor
Ron Getto Senior Investment Advisor
July 01, 2018 - Article
Advisors: Telling the Good from the Bad
Let's go back to our bowling shoes analogy, begun in my last article. From experience, we know that proper shoes lead to higher scores and fewer injuries...
Ron Getto Senior Investment Advisor
Ron Getto Senior Investment Advisor
May 01, 2018 - Article
Managing your financial risk: DIY?
Every once in a while, one of our guests gives us a hard time about wearing bowling shoes. They just can't believe there is a need...
Ron Getto Senior Investment Advisor
Ron Getto Senior Investment Advisor
March 01, 2018 - Article
Investment Mantras
A year ago, I attended The Copper Ball fundraiser, benefiting our community hospital. In addition to the cost of admission, there were opportunities to make additional contributions, mostly through silent auction bids and prize ticket purchases...
Ron Getto Senior Investment Advisor
Ron Getto Senior Investment Advisor
November 01, 2017 - Article
If It's Not One Thing, It's Another
Investors face the same Monday morning trials that proprietors face. In no particular order of crises, I offer the following examples...
Ron Getto Senior Investment Advisor
Ron Getto Senior Investment Advisor
August 01, 2017 - Article
The Fiduciary Rule: A Shifting of the Tide
I received a call the other day from an elderly couple who had recently moved to Flagstaff, and they were looking to bowl in a league. I asked them the typical questions relating to experience, personal goals, and objectives...
Ron Getto Senior Investment Advisor
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There are no warranties implied.
Any opinions expressed on this website are the opinions of WT Wealth Management and its associates only. Material listed on this website is neither an offer to buy or sell securities nor should it be interpreted as personal financial advice. You should always seek out the advice of a qualified investment professional before deciding to invest. Investing in stocks, bonds, mutual funds and ETF’s carry certain specific risks and part or all of your account value can be lost.

At WT Wealth Management we strongly suggest having a personal financial plan in place before making any investment decisions including understanding your personal risk tolerance and having clearly outlined investment objectives.

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WT Wealth Management is an SEC registered investment adviser, with in excess of $100 million in assets under management (AUM) with offices in Flagstaff, Scottsdale, Sedona and Tucson, AZ along with Jackson Hole, WY and Las Vegas, NV. WT Wealth Management is a manager of Separately Managed Accounts (SMAs). With SMAs, performance can vary widely from investor to investor as each portfolio is individually constructed and managed. Asset allocation weightings are determined based on a wide array of economic and market conditions the day the funds are invested. In an SMA, each investor may own individual Exchange Traded Funds (ETFs), individual equities or mutual funds. As the manager we have the freedom and flexibility to tailor the portfolio to address an individual investor's personal risk tolerance and investment objectives – thus making the account “separate” and distinct from all others we manage. An investment with WT Wealth Management is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Any opinions expressed are the opinions of WT Wealth Management and its associates only. Information offered is neither an offer to buy or sell securities nor should it be interpreted as personal financial advice. Always seek out the advice of a qualified investment professional before deciding to invest. Investing in stocks, bonds, mutual funds and ETFs carries certain specific risks and part or all of an account's value can be lost. In addition to the normal risks associated with investing, narrowly focused investments, investments in smaller companies, sector and/or thematic ETFs and investments in single countries typically exhibit higher volatility. International, Emerging Market and Frontier Market ETFs, mutual funds and individual securities may involve risk of capital loss from unfavorable fluctuations in currency values, from differences in generally accepted accounting principles or from economic or political instability that other nations experience. Individual bonds, bond mutual funds and bond ETFs will typically decrease in value as interest rates rise. A portion of a municipal bond fund's income may be subject to federal or state income taxes or the alternative minimum tax. Capital gains (short and long-term), if any, are subject to capital gains tax. Diversification and asset allocation may not protect against market risk or investment losses. At WT Wealth Management, we strongly suggest having a personal financial plan in place before making any investment decisions including understanding personal risk tolerance, having clearly outlined investment objectives and a clearly defined investment time horizon. WT Wealth Management may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Individualized responses to persons that involve either the effecting of transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption. WT Wealth Management's website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of WT Wealth Management's website should not be construed by any consumer and/or prospective client as WT Wealth Management's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the internet. Any subsequent, direct communication by WT Wealth Management with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. A copy of WT Wealth Management's current written disclosure statement discussing WT Wealth Management's registrations, business operations, services, and fees is available at the SEC's investment adviser public information website (www. adviserinfo.sec.gov) or from WT Wealth Management directly. WT Wealth Management does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to WT Wealth Management's web site or incorporated therein, and takes no responsibility therefor. All such information is provided solely for convenience purposes and all users thereof should be guided accordingly.

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