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Did you know that two of our associates are Dave Ramsey SmartVestor's? 
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Eric Nager.
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Southern Capital Services TV Interview

What is an Independent Registered Investment Advisor (RIA)?

  • An RIA is in the business of giving advice.
  • An independent RIA is not owned by another company or institution.
  • An RIA has a Fiduciary Responsibility to their clients. They are legally required to put the client’s interest first. This is a higher standard that what is required of brokerage firms, which is the suitability of an investment for an individual client.
  • An RIA is typically compensated by fees for advice, rather than commissions on buying & selling.
  • An RIA is regulated by the Securities and Exchange Commission (SEC) or the state in which they operate.

The Difference Between an RIA and a Broker


Update On Hurricane Sally Impact

by Eric Nager on Sep 28, 2020

As most of you are aware, our offices at Southern Capital were in the path of Hurricane Sally.  Our physical office had power restored on Monday.  This means that our phones systems are back up and working correctly.  Some of us are staffing the office and some are still working remotely, as we have been since March.   
As we mentioned in a previous update, everyone on our staff is fine.  We just have a ton of clean up to do in our yards.  Also, as of today, our entire staff now has power and running water in their homes!  Terry drew the short straw.  He was the last to regain p
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The Market Has Been Correcting

by Eric Nager on Sep 14, 2020

Corrections are never pleasant. They are part of the market process to determine "price discovery" – which is when a willing buyer and a willing seller agree on a price and a trade occurs. The market experienced phenomenal growth from the  March 23  low to the  September 2  high without a correction. That torrid pace was 56.66% over a 5 and 1/3 month period. Clearly this an unsustainable pace but not necessarily the end of the bullish run.
A correction is a way of bringing some sobering reality to an overly speculative market. However, it does not necessarily mean that the bull is over and a bear market is beginning.
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Paws and Effect - The annual cost of pet ownership and how to reduce costs

by Eric Nager on Aug 31, 2020

There’s a good reason there’s an estimated 74 to 96 million owned cats and 70 to 80 million dogs in the U.S. With wagging tails, slobbery kisses, and little whiskers that make for adorable Instagrams, pets give us that warm, cuddly feeling inside. They are part of our families and some of our best friends. But, they can also be a substantial part of a personal budget, especially since it (hopefully) is a long-term commitment that can last for a couple decades. It was estimated that over $62 billion was spent collectively on U.S. pets in 2016.

Cats and dogs (the most common pets) have both first-time and annual expenses. According to the ASPCA the total first-year cost of owning a cat is approximately $1,070 and a dog is $1,270. For each additional year after that initial year the cost can be over $500.

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