The Lowry Letter®

The Lowry Letter® - 12/10/2020

Next week we will host our final event of this year, a Cyber Security Webinar presented by Dave Allen with Goldman Sachs. It will take place at 12 eastern time via Zoom.

For those who are unable to attend we will provide a helpful summary. More thoughts on this topic are below in “Ask the Joes.

Our November market recap is available here, and the month was one of the best on record. We welcome the improvement, especially after a tough September and October, but expect the normal ups-and-downs that are a normal part of the markets.

The Lowry Letter® - 12/2/2020

Welcome to December! We hope you had a peaceful and safe Thanksgiving.
In spite of the unusual circumstances, we look forward to the holiday season and hope it provides some enjoyment to all of you.   

The Lowry Letter® - 11/25/2020

We hope that you and your loved ones have a safe and Happy Thanksgiving!

Our office will be closed on Thursday, November 26 th in observance of the holiday. We will be working remotely on Friday, November 27 th, checking phone messages and responding to time-sensitive requests.  

The Lowry Letter® - 11/18/2020

We want to celebrate Nicole Cothern’s 5 year anniversary with our firm. As our planning associate, Nicole focuses on the creation and maintenance of financial plans. Her attention to detail and enjoyment of the work are a great asset. We are so glad to have her on our team!


Mark your calendars for December 12th, 12pm Eastern time. We will have a presentation on Cyber Security provided by our friend Dave Allen with Goldman Sachs. More information to follow.

The Lowry Letter® - 11/11/2020

We really enjoyed Mac Stone’s talk last night. We hope to make a replay available to you as we know many of you could not watch due to other commitments. During his talk, he mentioned a film that was made to record their search for the pollinator of the rare Ghost Orchid. You can see it here on YouTube.

We recently added Deb Fleming to our team as an administrative assistant. If you have called the office in the last few weeks you have probably spoken to Deb. We are glad that she could join us!


The big news to start this week was the announcement of Pfizer’s 90% effective (in early tests) Covid-19 vaccine.

The Lowry Letter® - 11/4/2020

This letter is always prepared a day or two before sending. As we write this, the day after election day, we wait with many of you to see who will be president of the United States for the next four years. Just as important as the presidency is the composition of the Congress. Energy policy, taxes, health care policy, and other important issues will be shaped by our government and will affect our lives. Engagement in the system should extend beyond voting day and into the ongoing political process.

We are very grateful to live in a country with strong institutions. It was reassuring to see the long legacy of peaceful voting continue and we trust that established policies will allow the process to continue.

When we talk about how the markets have performed well under both parties, it is because we know that participating in the markets means participating in the growth of the economy. We believe economic growth will continue and that long-term financial success is possible in every scenario.


The Lowry Letter® - 10/29/2020

Happy Halloween! Whatever the conditions in your area, we hope that you and your loved ones have a safe and enjoyable time with whatever adaptations or new circumstances are required.

The Lowry Letter® - 10/21/2020

We’re very excited to announce our next virtual event, scheduled for Nov 10th at 6:30pm. We will hear from gifted photographer and long-time friend Mac Stone about some of his more recent adventures. Some of you may recall that we sponsored an outstanding talk by Mac several years ago when his book Everglades: America’s Wetland debuted. More info to follow.


For more about Mac, visit his website,

The Lowry Letter® - 10/14/2020

We wanted to start this week by recognizing a very important milestone. Bea Caldwell, our Client Relationship Manager, recently reached her 20th anniversary as a member of our team! We sometimes joke that she is the “Cuban Mom” of our office. These are a few of the things that demonstrate what that means:

  • If our workspace gets too disorganized, she will stand there until we clean it up.
  • She often brings delicious food in and we are expected to eat it (and we happily do).
  • If someone needs help, she will jump right up and figure out a way to fix the problem.
  • She treats us as she would family, and we are all blessed for it.

The Lowry Letter® - 10/8/2020

We had a great discussion with Mark Seaman and Tom O’Neil of American Funds on the state of the economy in light of the pandemic and upcoming elections. We’ve included a brochure in the Lowry Letter® that we shared during the webinar that contains some of the key points and would be glad to discuss them with you.

A key takeaway- the pandemic and election have not changed the principles of sound investing. Investing according to your specific goals and risk tolerance, and then remaining appropriately invested, is a key to long-term success. This is true regardless of the political party in control of the government.