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	<title>Pacific Mountain Advisors&#039; Blog</title>
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	<description>Thoughts on Life and the Economy</description>
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		<title>Pacific Mountain Advisors&#039; Blog</title>
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		<title>Quarterly Market Overview &#8211; Q3 2011</title>
		<link>http://pacificmountainadvisors.wordpress.com/2011/10/21/quarterly-market-overview-q3-2011/</link>
		<comments>http://pacificmountainadvisors.wordpress.com/2011/10/21/quarterly-market-overview-q3-2011/#comments</comments>
		<pubDate>Sat, 22 Oct 2011 00:45:31 +0000</pubDate>
		<dc:creator>Michael J Burns</dc:creator>
				<category><![CDATA[Investment Newsletters]]></category>
		<category><![CDATA[Asset Management]]></category>
		<category><![CDATA[Ben Bernanke]]></category>
		<category><![CDATA[Certified Financial Planner]]></category>
		<category><![CDATA[CFP]]></category>
		<category><![CDATA[Commodities]]></category>
		<category><![CDATA[Dow Jones]]></category>
		<category><![CDATA[Financial Advising]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Gold]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Investment Management]]></category>
		<category><![CDATA[Investment Outlook]]></category>
		<category><![CDATA[LinkedIn]]></category>
		<category><![CDATA[Michael Meara]]></category>
		<category><![CDATA[Pacific Mountain Advisors]]></category>
		<category><![CDATA[Quantitative Easing]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[Santa Cruz Financial Planner]]></category>
		<category><![CDATA[Scotts Valley]]></category>
		<category><![CDATA[Stocks]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[Wealth Management]]></category>

		<guid isPermaLink="false">http://pacificmountainadvisors.wordpress.com/?p=456</guid>
		<description><![CDATA[Market Overview Equities We began our last quarterly narrative by expressing concern that the exceptional performance of the S&#38;P 500 and global markets so far in 2011 had left them overstretched and susceptible to a pullback. That being said, we were not expecting to see the worst quarterly performance since the end of 2008 when [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=pacificmountainadvisors.wordpress.com&amp;blog=9438358&amp;post=456&amp;subd=pacificmountainadvisors&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Michael J Burns</media:title>
		</media:content>
	</item>
		<item>
		<title>&#8220;What&#8217;s Next Lecture Series&#8221; Event Sponsored by Pacific Mountain Advisors!</title>
		<link>http://pacificmountainadvisors.wordpress.com/2011/10/12/whats-next-lecture-series-event-sponsored-by-pacific-mountain-advisors/</link>
		<comments>http://pacificmountainadvisors.wordpress.com/2011/10/12/whats-next-lecture-series-event-sponsored-by-pacific-mountain-advisors/#comments</comments>
		<pubDate>Wed, 12 Oct 2011 22:28:23 +0000</pubDate>
		<dc:creator>Michael F Meara</dc:creator>
				<category><![CDATA[Client Related]]></category>
		<category><![CDATA[Michael Meara]]></category>
		<category><![CDATA[CFP]]></category>
		<category><![CDATA[Certified Financial Planner]]></category>
		<category><![CDATA[Santa Cruz]]></category>
		<category><![CDATA[Scotts Valley]]></category>
		<category><![CDATA[Pacific Mountain Advisors]]></category>
		<category><![CDATA[Financial Planner]]></category>
		<category><![CDATA[Financial Advisor]]></category>
		<category><![CDATA[Community Events]]></category>
		<category><![CDATA[Jacqueline Novogratz]]></category>
		<category><![CDATA[The Blue Sweater]]></category>

		<guid isPermaLink="false">http://pacificmountainadvisors.wordpress.com/?p=446</guid>
		<description><![CDATA[We would like to invite community members from the Santa Cruz Area to join us for a What&#8217;s Next Lecture Series Event to be held next Wednesday October 19 at 7:30 p.m. at the UCSC Music Center Recital Hall. Pacific Mountain Advisors is sponsoring this lecture by Jacqueline Novogratz, author of The Blue Sweater: Bridging [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=pacificmountainadvisors.wordpress.com&amp;blog=9438358&amp;post=446&amp;subd=pacificmountainadvisors&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">michaelmeara</media:title>
		</media:content>
	</item>
		<item>
		<title>Quarterly Investment Newsletter &#8211; Q1 2011</title>
		<link>http://pacificmountainadvisors.wordpress.com/2011/04/21/quarterly-investment-newsletter-q1-2011/</link>
		<comments>http://pacificmountainadvisors.wordpress.com/2011/04/21/quarterly-investment-newsletter-q1-2011/#comments</comments>
		<pubDate>Fri, 22 Apr 2011 00:05:37 +0000</pubDate>
		<dc:creator>Michael J Burns</dc:creator>
				<category><![CDATA[Thoughts on the Economy]]></category>
		<category><![CDATA[Investment Newsletters]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[recovery]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[CFP]]></category>
		<category><![CDATA[Certified Financial Planner]]></category>
		<category><![CDATA[Stock Market]]></category>
		<category><![CDATA[S&P 500]]></category>
		<category><![CDATA[Dow Jones]]></category>
		<category><![CDATA[Investment Management]]></category>
		<category><![CDATA[Asset Management]]></category>
		<category><![CDATA[Santa Cruz]]></category>
		<category><![CDATA[Scotts Valley]]></category>
		<category><![CDATA[Pacific Mountain Advisors]]></category>
		<category><![CDATA[Stocks]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Wealth Management]]></category>
		<category><![CDATA[Santa Cruz Financial Planner]]></category>
		<category><![CDATA[Scotts Valley Financial Planner]]></category>
		<category><![CDATA[Investment Outlook]]></category>
		<category><![CDATA[Commodities]]></category>
		<category><![CDATA[Ben Bernanke]]></category>
		<category><![CDATA[Quantitative Easing]]></category>
		<category><![CDATA[Sovereign Debt Crisis]]></category>

		<guid isPermaLink="false">http://pacificmountainadvisors.wordpress.com/?p=431</guid>
		<description><![CDATA[Market Summary The strong rally in equities and commodities continued unabated into the beginning of the first quarter of 2011. The tragedy in Japan and the uprisings in the Middle East and North Africa region (MENA) all caused selloffs in equities but they have so far proven short-lived. As of March 31st, the S&#38;P 500 [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=pacificmountainadvisors.wordpress.com&amp;blog=9438358&amp;post=431&amp;subd=pacificmountainadvisors&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Michael J Burns</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2011/04/consumerdebt.jpg" medium="image">
			<media:title type="html">Consumer Debt</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2011/04/personal-saving-rate.jpg" medium="image">
			<media:title type="html">Personal Saving Rate</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2011/04/real_wages.jpg" medium="image">
			<media:title type="html">Real Wages</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2011/04/caseshiller_home_prices.jpg" medium="image">
			<media:title type="html">Case Shiller Home Prices</media:title>
		</media:content>
	</item>
		<item>
		<title>Quarterly Investment Newsletter &#8211; Q4 2010</title>
		<link>http://pacificmountainadvisors.wordpress.com/2011/01/31/quarterly-investment-newsletter/</link>
		<comments>http://pacificmountainadvisors.wordpress.com/2011/01/31/quarterly-investment-newsletter/#comments</comments>
		<pubDate>Tue, 01 Feb 2011 05:00:31 +0000</pubDate>
		<dc:creator>Michael J Burns</dc:creator>
				<category><![CDATA[Investment Newsletters]]></category>
		<category><![CDATA[Ben Bernanke]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[Capitola]]></category>
		<category><![CDATA[Certified Financial Planner]]></category>
		<category><![CDATA[CFP]]></category>
		<category><![CDATA[Commodities]]></category>
		<category><![CDATA[Double Dip]]></category>
		<category><![CDATA[Dow Jones]]></category>
		<category><![CDATA[Egypt]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Gold]]></category>
		<category><![CDATA[Greece]]></category>
		<category><![CDATA[Investment Advisors]]></category>
		<category><![CDATA[Investment Management]]></category>
		<category><![CDATA[Investment Overview]]></category>
		<category><![CDATA[Ireland]]></category>
		<category><![CDATA[Italy]]></category>
		<category><![CDATA[Municipal Bonds]]></category>
		<category><![CDATA[Nasdaq]]></category>
		<category><![CDATA[Pacific Mountain Advisors]]></category>
		<category><![CDATA[PIIGS]]></category>
		<category><![CDATA[Portugal]]></category>
		<category><![CDATA[Q4 2010]]></category>
		<category><![CDATA[QE2]]></category>
		<category><![CDATA[Quantitative Easing]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[recovery]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[S&P 500]]></category>
		<category><![CDATA[Santa Cruz]]></category>
		<category><![CDATA[Scotts Valley]]></category>
		<category><![CDATA[Spain]]></category>
		<category><![CDATA[Stocks]]></category>
		<category><![CDATA[Volatility]]></category>
		<category><![CDATA[Wealth Management]]></category>

		<guid isPermaLink="false">http://pacificmountainadvisors.wordpress.com/?p=390</guid>
		<description><![CDATA[Market Overview After spending the first three quarters of 2010 bouncing up and down in a wide trading range, the stock market broke out to the upside during the fourth quarter without looking back. The S&#38;P 500 ended the year up 15.07%, with about 75% of the gains taking place during the final quarter. This [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=pacificmountainadvisors.wordpress.com&amp;blog=9438358&amp;post=390&amp;subd=pacificmountainadvisors&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Michael J Burns</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2011/01/i_thought_europe_was_better_.jpg" medium="image">
			<media:title type="html">PIIGS 10 Year Yields</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2011/01/shillerpe.jpg" medium="image">
			<media:title type="html">Shiller 10-Year PE</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2011/01/single_unit_housing_starts.jpg" medium="image">
			<media:title type="html">Single_Unit_Housing_Starts</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2011/01/caseshillerhome.jpg" medium="image">
			<media:title type="html">CaseShillerHome</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2011/01/discouragedworkers.jpg" medium="image">
			<media:title type="html">DiscouragedWorkers</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2011/01/comparative-unemployment.jpg" medium="image">
			<media:title type="html">Comparative Unemployment</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2011/01/2_year_oil_price_change.jpg" medium="image">
			<media:title type="html">2_Year_Oil_Price_Change</media:title>
		</media:content>
	</item>
		<item>
		<title>Quarterly Investment Newsletter &#8211; Q3 2010</title>
		<link>http://pacificmountainadvisors.wordpress.com/2010/10/29/quarterly-investment-newsletter-q3-2010/</link>
		<comments>http://pacificmountainadvisors.wordpress.com/2010/10/29/quarterly-investment-newsletter-q3-2010/#comments</comments>
		<pubDate>Sat, 30 Oct 2010 00:05:56 +0000</pubDate>
		<dc:creator>Michael J Burns</dc:creator>
				<category><![CDATA[Investment Newsletters]]></category>
		<category><![CDATA[Ben Bernanke]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Certified Financial Planner]]></category>
		<category><![CDATA[Commodities]]></category>
		<category><![CDATA[Dow Jones Industrial]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[GLD]]></category>
		<category><![CDATA[Gold]]></category>
		<category><![CDATA[Greece Debt Crises]]></category>
		<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Investment Advisor]]></category>
		<category><![CDATA[Investment Management]]></category>
		<category><![CDATA[Investment Outlook]]></category>
		<category><![CDATA[Labor Market]]></category>
		<category><![CDATA[Pacific Mountain Advisors]]></category>
		<category><![CDATA[PIIGS]]></category>
		<category><![CDATA[Q3 2010]]></category>
		<category><![CDATA[QE2]]></category>
		<category><![CDATA[Quantitative Easing]]></category>
		<category><![CDATA[S&P 500]]></category>
		<category><![CDATA[Santa Cruz]]></category>
		<category><![CDATA[Santa Cruz Asset Management]]></category>
		<category><![CDATA[Santa Cruz Investment Management]]></category>
		<category><![CDATA[Scotts Valley]]></category>
		<category><![CDATA[Sovereign Default]]></category>
		<category><![CDATA[Standard & Poors]]></category>
		<category><![CDATA[Stocks]]></category>
		<category><![CDATA[Volatility]]></category>

		<guid isPermaLink="false">http://pacificmountainadvisors.wordpress.com/?p=348</guid>
		<description><![CDATA[Overview &#38; Outlook Toward the end of the second quarter, it appeared as though the stock market was finally beginning to price in the faltering recovery and likelihood of a double dip as the S&#38;P 500 fell more than 11%. However, the third quarter reversed almost all of this decline in one of the best [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=pacificmountainadvisors.wordpress.com&amp;blog=9438358&amp;post=348&amp;subd=pacificmountainadvisors&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Michael J Burns</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2010/11/qegoldspy1.jpg" medium="image">
			<media:title type="html">QEGoldSpy</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2010/11/orderinventories1.jpg" medium="image">
			<media:title type="html">OrderInventories</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2010/11/mediandurationunemployment.jpg" medium="image">
			<media:title type="html">MedianDurationUnemployment</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2010/11/governmenttransfers.jpg" medium="image">
			<media:title type="html">GovernmentTransfers</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2010/11/newhomesales.jpg" medium="image">
			<media:title type="html">NewHomeSales</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2010/11/spcaseshillerprices.jpg" medium="image">
			<media:title type="html">S&#38;PCaseShillerPrices</media:title>
		</media:content>
	</item>
		<item>
		<title>Quarterly Investment Newsletter – Q2 2010</title>
		<link>http://pacificmountainadvisors.wordpress.com/2010/07/27/quarterly-investment-newsletter-%e2%80%93-q2%c2%a02010/</link>
		<comments>http://pacificmountainadvisors.wordpress.com/2010/07/27/quarterly-investment-newsletter-%e2%80%93-q2%c2%a02010/#comments</comments>
		<pubDate>Tue, 27 Jul 2010 18:59:15 +0000</pubDate>
		<dc:creator>Michael J Burns</dc:creator>
				<category><![CDATA[Investment Newsletters]]></category>
		<category><![CDATA[Analysts]]></category>
		<category><![CDATA[Certified Financial Planner]]></category>
		<category><![CDATA[CFP]]></category>
		<category><![CDATA[Dow Jones]]></category>
		<category><![CDATA[Economic Data]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[GDP]]></category>
		<category><![CDATA[Investment Management]]></category>
		<category><![CDATA[Pacific Mountain Advisors]]></category>
		<category><![CDATA[Q2 2010]]></category>
		<category><![CDATA[S&P 500]]></category>
		<category><![CDATA[Santa Cruz]]></category>
		<category><![CDATA[Scotts Valley]]></category>
		<category><![CDATA[Stock Market]]></category>
		<category><![CDATA[Stocks]]></category>
		<category><![CDATA[Wealth Management]]></category>

		<guid isPermaLink="false">http://pacificmountainadvisors.wordpress.com/?p=292</guid>
		<description><![CDATA[Overview &#38; Outlook As the euphoria faded from the large rally of the first quarter, the S&#38;P 500 fell dramatically under price action that was reminiscent of 2008, giving back all of the gains from the first quarter and bringing the year to date performance down to a negative 6.65%. There have been a few [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=pacificmountainadvisors.wordpress.com&amp;blog=9438358&amp;post=292&amp;subd=pacificmountainadvisors&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Michael J Burns</media:title>
		</media:content>

		<media:content url="http://pacificmountainadvisors.files.wordpress.com/2010/07/unemployment.jpg" medium="image">
			<media:title type="html">Unemployment</media:title>
		</media:content>
	</item>
		<item>
		<title>Part Three: Retirement in Times of Uncertainty – Managing Retirement Income</title>
		<link>http://pacificmountainadvisors.wordpress.com/2010/07/08/part-three-retirement-in-times-of-uncertainty-managing-retirement-income/</link>
		<comments>http://pacificmountainadvisors.wordpress.com/2010/07/08/part-three-retirement-in-times-of-uncertainty-managing-retirement-income/#comments</comments>
		<pubDate>Fri, 09 Jul 2010 00:46:44 +0000</pubDate>
		<dc:creator>Michael F Meara</dc:creator>
				<category><![CDATA[Client Related]]></category>
		<category><![CDATA[Asset Management]]></category>
		<category><![CDATA[Financial Advising]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investment Management]]></category>
		<category><![CDATA[LinkedIn]]></category>
		<category><![CDATA[Michael Meara]]></category>
		<category><![CDATA[Pacific Mountain Advisors]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Santa Cruz]]></category>
		<category><![CDATA[Scotts Valley]]></category>
		<category><![CDATA[Stock Market]]></category>
		<category><![CDATA[Wealth Management]]></category>

		<guid isPermaLink="false">http://pacificmountainadvisors.wordpress.com/?p=165</guid>
		<description><![CDATA[For years, many retirees and people near retirement could bask in the near certainty that with sound asset allocation and a long term investing perspective, they could expect a steady and possibly even a growing stream of income during retirement.  Unfortunately, the recent global credit crises and ensuing recession has forced many investors to reevaluate [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=pacificmountainadvisors.wordpress.com&amp;blog=9438358&amp;post=165&amp;subd=pacificmountainadvisors&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">michaelmeara</media:title>
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		<title>Quarterly Investment Newsletter – Q1 2010</title>
		<link>http://pacificmountainadvisors.wordpress.com/2010/04/21/quarterly-investment-newsletter-q1-2010/</link>
		<comments>http://pacificmountainadvisors.wordpress.com/2010/04/21/quarterly-investment-newsletter-q1-2010/#comments</comments>
		<pubDate>Thu, 22 Apr 2010 00:45:45 +0000</pubDate>
		<dc:creator>Michael J Burns</dc:creator>
				<category><![CDATA[Investment Newsletters]]></category>
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		<description><![CDATA[Overview &#38; Outlook The first quarter of 2010 was one of extremes and started things out with a bang. The S&#38;P 500 began the year at 1116 and quickly rose to 1150 before undergoing a 9.2% selloff (the steepest since the recovery began in March of 2009) down to 1044. Investors (such as ourselves) took [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=pacificmountainadvisors.wordpress.com&amp;blog=9438358&amp;post=209&amp;subd=pacificmountainadvisors&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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