HJ Sims Market Commentary: Bear Market Conditions

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The Atlantic Hurricane season is upon us, having arrived late but with lethal force. It typically runs from June to November, but this year the first major hurricane did not arrive until September 20. The focus is currently on the Category 3 storm headed to Tampa Bay but the remnants of Fiona are still being felt in Puerto Rico and eastern Canada. For people already exhausted by the pandemic, weakened by inflation and battered by investment losses, hurricanes seem to symbolize the hazardous conditions we face in 2022. There are still three months left in the year, but we would all like to evacuate now.

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HJ Sims Market Commentary: Mega Trillions

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Americans have been playing lotteries for centuries. Some of the earliest ones in the American colonies actually helped to fund the Revolutionary War. There is a lot of scratching and quick-picking going on in the financial markets of late, but very few prizes in the form of returns have been realized in 2022. After years of boom, this year is a big bust for almost every investor seeking returns. Given all the gloomy forecasts for global recession starting as soon as this year, it is hard to be positive on any market sector, although income-seeking investors holding higher yielding bonds are still happily clipping coupons.

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HJ Sims Market Commentary: Newton’s Cradle

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One of the easiest ways to learn about the laws of motion is to observe Newton’s Cradle at work. The Cradle was named in honor of physicist Sir Isaac Newton, and was designed to demonstrate the principles of conservation of momentum and energy. It seems an apt device for our times. In these current days of our lives, nearly 300 years post-Newton, long-held principles are being tested in executive offices, courtrooms and voting booths.

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LeadingAge PA 2022 Fall Finance Conference

We look forward to connecting at the LeadingAge PA Fall Finance Conference.


HJ Sims is proud to be a sponsor for LeadingAge PA. 

Education Session:

State of our Worlds – Perspectives on Insurance/Risk Management, Capital Formation/Financing & Operations in Senior Living

This session will:

  1. Describe current conditions and key drivers impacting the insurance, financing and operations within the senior living sector
  2. Outline effective approaches to managing these challenging and, in some cases, unprecedented conditions
  3. Offer perspectives on how conditions may evolve and how to best position organizations for what may be to come including continuing uncertainty

Featured Speakers:


CSDC 2022 California Charter Schools Leadership Update Conference

HJ Sims will be there – start a conversation with one of our expert education finance team members specializing in structuring and underwriting public sector and charter school financings.

Education Session:

School Daze: Navigating the Facility Financing Maze
November 15, 2022 | 2:00 pm – 3:15 pm

For many charter school leaders and their boards throughout the country, navigating the need for a high-quality facility remains one of their most significant organizational challenges. Add the backdrop of the COVID-19 pandemic and plotting a course through current and future facility needs has become an even more challenging exercise. Is your school planning a facilities expansion or renovation? Join us to learn the key to planning a successful facilities project and understand the potential cost of that project. During our session, a panel of charter school experts will introduce school leaders to the critical elements of project planning and creditworthiness. We will begin our session with a brief icebreaker to gauge who is in the room and their level of facility financing knowledge. Our three experts will then introduce the critical elements of facility project planning and credit worthiness. Following the panel, attendees will be guided through an exercise that estimates key facility project costs. To conclude the session, panelists will work with attendees in small groups to answer their facility financing questions. Attendees will walk away from our session with the tools to solve their facilities challenges.


  • Kaiti Wang, Vice President, HJ Sims
  • Crystal Langdon, Director of Lending, Local Initiatives Support Corporation
  • Kelly Theofanis, Loan Officer, Charter School Financing, Local Initiatives Support Corporation
  • Kahlmus Eatman, Chief Operating Officer, Pacific Charter School Development


HJ Sims and the Palm City Chamber of Commerce Announce Inaugural Event to Advocate and Celebrate Women in Business

PALM CITY, FL– HJ Sims, wealth management, investment banking and institutional services firm founded in 1935, Rebecca Beckett, CFP®, Senior Vice President and Financial Advisor, and the Palm City Chamber of Commerce are pleased to announce the inaugural Women in Business Summit on September 22, 2022 at Charlie Leighton Park in Palm City, FL.

Coinciding with American Business Women’s Day to advocate and celebrate women in business and leadership positions throughout the community; the summit will feature exhibits, sessions and insights by local, accomplished businesswoman. Topics will range from finance, education, business management to health & wellness in order to provide attendees with valuable knowledge, tools and resources that emphasize the issues directly impacting today’s businesswomen.

“We are looking forward to this special day, and are thrilled to be able to host an event of this caliber. In fact, we have extended an invitation to all of our local, female dignitaries of Martin County, and plan to commemorate the summit with a ribbon cutting ceremony just before the official kick-off at 2pm.” stated Missi Campbell, Executive Director of the Palm City Chamber of Commerce.

Speakers include: Rebecca Beckett, CFP®, HJ Sims; Amanda Foster, Mortgage Specialist, Zarro Mortgage Group; Joan Goodrich, Executive Director, Martin County Business Development Board; Dr. Lisa Grassam, Chiropractor and Owner, Grassam Spine & Wellness Center; Donna Linton, Reverse Mortgage Advisor, Zarro Mortgage Group; Jill Marasa, Director of Development, Ashley Capital; and Joanne Zarro, President, Zarro Mortgage Group.

Exhibitors include: Ashley Capital, Capstone IT, Colorado Pawn & Jewelry, Crafted the Store, Dultmeier Photography, Eagle Insurance, Grassam Spine & Wellness Center, Hell Gate Sea Dragons, HJ Sims, Inner Truth Project, Martin County Business Development Board, N2 Architecture, O’Donnell Impact Windows & Storm Protection, Pampered Chef Independent Consultant, Personal Training by Celeste, Sandhill Cove, Schaffer Mortgage Corporation, Skin Serenity Spa, White Glove Moving & Storage and Zarro Mortgage Group.

The summit will be held from 2:00 pm to 5:00 pm on September 22 at the Palm City Community Center at Charlie Leighton Park in Palm City, FL. For more information and to RSVP to attend this free event, visit hjsims.com/2022-women-in-business-summit/.

CERTIFIED FINANCIAL PLANNERTM: Rebecca Beckett: 561.620.2173 | rbeckett@hjsims.com

ABOUT HJ SIMS: Founded in 1935, HJ Sims is a privately held investment bank and wealth management firm. Headquartered in Fairfield, CT, Sims has nationwide investment banking, private wealth management and trading locations. Member FINRA, SIPC. Testimonials may not be representative of another client’s experience. Past performance is no guarantee of future results.  Facebook, LinkedIn, TwitterInstagram.


The Palm City Chamber of Commerce’s mission is to serve as the principal advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs, and improving the quality of life.  We actively participate in our local community to strengthen Martin County and all it has to offer to our residents and visitors.


HJ Sims Market Commentary: Role Reversal

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Stories about reversals make some of the best tales. We love it when the underdog turns everything around and wins: Rocky, David versus Goliath, the 1980 men’s Olympic Hockey team, the clever con man in Trading Places. This September, while we are busy going back to school, adjusting to new work routines, celebrating holidays and enjoying the change of season, our central bank is starting to undertake one of the biggest reversals of all time. The Federal Reserve is beginning to pare down its portfolio of nearly $9 trillion, one that has grown exponentially since 2007, doubling in size since the start of the pandemic.

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