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Stay on top of your life goals with an investment plan.

Work with MountainOne Investments and discover the local personal service you’ve come to trust coupled with the resources and backing of a nationally recognized firm.

You get peace of mind knowing our independent advisors are motivated to find the right solution to meet your needs. It’s as simple as that.

We specialize in helping to weave your distinct goals, ambitions, and dreams for the future into a cohesive vision. And with no pressure to promote a particular product or answer to a parent company’s sales quotas, we’re free to provide you with sound, unbiased advice and to deliver practical solutions that are tailored for your near- and long-term financial success.

What do you dream? Where do you want to go?

Wherever you are in life, our primary focus is to help you create a plan that reflects your values and way of thinking, suits your current circumstances, grows to fit your changing needs, and is flexible enough to accommodate the unexpected along the way. Our integrated solutions include:

  • Investment management
  • Insurance planning
  • Retirement planning
  • Charitable giving strategies
  • Estate planning

Let’s make a plan.

We stick to a comprehensive planning process that begins with an across-the-board analysis of where you are and where you want to go. We continue by creating a financial plan, implementing it, and then continuously monitoring it to make sure
 you stay on track with your goals. It’s a highly personalized, consultative approach to developing a personal strategy that works for you. Taking into account your dreams, time horizon, and risk tolerance to help you reach your financial objectives: that’s what we do at MountainOne Investments.

A sound plan. The right solutions. And, of course, you.

Of course, making the right plan and choosing the best financial solutions are both keys to success, but so are you. That’s why every aspect of our business model and approach is tailored around you. We respect your ideas, respond promptly to your questions, and are accountable only to you. Your goals, expectations, and risk tolerance drive every recommendation we make.

This commitment we make to every one of our relationships is why our clients trust us to guide their financial lives and recommend us to their families and friends to do the same for them.

Did we mention that we work for you, and you alone?

And speaking of you, our status as independent financial advisors means you can be assured that our interests are always aligned with yours. That’s why we partnered with Commonwealth Financial Network®—an independent broker/dealer with over a 30-year history and a client-centric service model that mirrors our own. We have access to the vast array
 of investment choices and product strategies the industry has to offer. We are free to manage your financial well-being, without restrictions or the demands and product limitations of a large corporate firm. Instead, we focus solely on what benefits you most.

Personal Services

  • Managed Portfolios
  • IRA Rollovers
  • Retirement
  • Education
  • Estate Planning

Business Services

  • 401(k) Plans
  • Safe Harbor Plans
  • 403(b) Plans
  • SEP Plans
  • Simple IRA Plans
  • Defined Benefit Plans
  • Profit Sharing Plans

Financial success
is closer than
you think.

Call us today at
413-664-4025
to make a plan.

When you partner with MountainOne Investments, you have access to a group of local, knowledgeable, dedicated professionals, motivated to helping you manage your financial life. By working as a collaborative team, we’re able to integrate your important life decisions into a simplified financial strategy that will meet your goals today and set you up for success tomorrow.

To help make that happen, we’ve assembled a highly knowledgeable team with diverse specialties. This gives us the resources to address a wide range of investment needs for both businesses and for individuals. And, in turn, it gives you complete satisfaction and a reason to be loyal to MountainOne Investments.

Rob Abel
AIF®
Financial Advisor
Williamstown
Brendan Bullett
Financial Advisor
North Adams
Lisa Lamb
CFP®
Financial Advisor
Williamstown
Jason Dohaney
Financial Advisor
North Adams
Jay Durand
CFA®
Financial Advisor
North Adams
Doris Karampatsos
CFP®
Financial Advisor
Williamstown
Shawn Leonard
Financial Advisor
North Adams

Our Broker Dealer: Commonwealth Financial Network

What is a broker/dealer?

A broker/dealer is a company in which a registered investment professional is required to affiliate with in order to buy and sell investment products on behalf of investors. The Securities and Exchange Commission (SEC) delegates the supervision of financial advisors to the Financial Industry Regulatory Authority (FINRA). FINRA, in turn, requires us to choose a broker/dealer to partner on your behalf.

Why Commonwealth Financial Network®?

Commonwealth is an independent broker/dealer–RIA, which means that our firm is free to act solely in your best interest, without bias and without pressure to promote a particular product or strategy. It's a model that differs from that of some other, larger financial firms known as wirehouses, whose financial representatives are accountable not just to their clients, but also to the parent company that employs them.

Commonwealth is also independently owned and managed, which means the firm retains the freedom to allocate resources where they're needed and to act in the best interests of their financial advisors and clients—not shareholders.

How Commonwealth helps us help you.

Commonwealth was ranked "Highest in Independent Advisor Satisfaction Among Financial Investment Firms" in the J.D. Power and Associates 2013 Financial Advisor Satisfaction Study.* But it's what that achievement means for our clients—on a daily basis—that makes the difference.

Commonwealth goes far beyond what's required of a broker/dealer; the entire organization is built around doing whatever it takes to satisfy not only the advisors who work with the firm, but the clients of those advisors as well. It's that infrastructure—and the always expanding wealth of resources it provides—that makes it easier for our firm to provide you with the best possible guidance and the prompt, personal service you expect and deserve.

  • Investment choice. Your financial objectives, personal investment style, and risk tolerance are the only criteria that influence our recommendations to you. Commonwealth offers us access to a virtually limitless selection of third-party investment vehicles and truly objective, independent research from its in-house analysts, helping to ensure that we have the freedom to operate solely in your best interest.
  • Service. The firm's advisor-to-staff ratio is one of the best in the industry. This means staff members answer our calls promptly, execute transactions quickly and accurately, and, in general, offer our firm the same first-class treatment we strive to give you.
  • Technology. Commonwealth's technology platform is a critical component in our ability to provide you with first-class service and support. Its integrated web-based systems allow us to efficiently manage your portfolio and your overall financial picture.
  • Security. Commonwealth is second to none in its commitment to safeguarding your privacy and ensuring that your investment data remains secure. From encryption standards to disaster recovery plans and other measures the firm employs, we are confident that the information our clients entrust to us remains secure.

If you'd like to know more about our affiliation with Commonwealth, please feel free to give us a call—we welcome the opportunity to talk with you.

Weekly Market Update, July 10, 2017

General market news           

  • Since the low on June 27, the sell-off in Treasuries has caused the 10-year to break through some technical levels. The 10-year Treasury opened at 2.36 percent early Monday after finishing the holiday-shortened week just below 2.40 percent. It tested the 2.12-percent level on the downside less than two weeks ago. The 30-year remains below 3 percent at 2.92 percent; it had been below 2.70 percent on June 27.
  • All three major U.S. indices were up slightly last week. The Dow Jones Industrial Average led the way with a 0.38-percent gain. This was followed by gains of 0.23 percent for the Nasdaq Composite and 0.14 percent for the S&P 500. Top-performing sectors included financials, industrials, and materials. Telecom, real estate investment trusts, and energy were among the worst-performing sectors.
  • Central banking policy took center stage last week. The Federal Open Market Committee meeting minutes indicated that the Federal Reserve (Fed) may begin shrinking its balance sheet as early as September. The minutes from the European Central Bank’s June meeting also grabbed headlines, as the central bank discussed potentially moving away from increasing the pace of asset purchases. These two statements suggest that the central banks are becoming more confident in the ability of their economies to sustain themselves without the use of extremely low rates or stimulus.
  • The holiday-shortened week saw the release of only a few data points, but the results were mostly positive. The week began with the ISM Manufacturing survey, which increased more than expected. This was followed by the ISM Non-Manufacturing survey, which also came in above expectations. The rise in these two widely watched measures of business confidence points toward a strong rebound in growth for the second and third quarters of the year. Last Friday, the June jobs report also surprised to the upside, with 222,000 non-farm jobs added, against expectations for 179,000. This strong headline number is evidence of continued strength in the employment market.

Equity Index

Week-to-Date

Month-to-Date

Year-to-Date

12-Month

S&P 500

0.14%

0.14%

9.49%

18.02%

Nasdaq Composite

0.23%

0.23%

15.02%

27.76%

DJIA

0.38%

0.38%

9.77%

22.72%

MSCI EAFE

–0.46%

–0.46%

13.69%

22.25%

MSCI Emerging Markets

–0.58%

–0.58%

17.86%

24.37%

Russell 2000

0.05%

0.05%

5.04%

24.84%

Source: Bloomberg

Fixed Income Index

Month-to-Date

Year-to-Date

12-Month

U.S. Broad Market

–0.37%

1.90%

–1.48%

U.S. Treasury

–0.46%

1.40%

–3.55%

U.S. Mortgages

–0.25%

1.09%

–0.47%

Municipal Bond

–0.18%

3.38%

–0.93%

Source: Morningstar Direct

What to look forward to

This week will provide a good look at the economy as a whole. On Wednesday, Fed Chair Janet Yellen will give her semiannual testimony to Congress. Her prepared testimony will be released in the morning. This will be followed by a question-and-answer session with members of Congress. Expected topics include the Fed’s commitment to its interest rate projections, the start date of the balance sheet drawdown, and, quite possibly, Yellen’s interest in another term as Fed chair. As far as economy goes, her comments should echo the most recent meeting minutes, so few surprises are expected.

The remaining economic data releases of note will all come on Friday. Consumer Price Index data for June will be watched closely. Since March, inflation has come in below expectations and is nearing a two-year low. If June brings more of the same, it could start to affect Fed policy decisions. Consensus expectations are low, at 0.1 percent for headline inflation and 0.2 percent for core inflation, which excludes the more volatile food and energy prices.

The retail sales report should give us an idea of whether spending growth will start to catch up with rising consumer income. Core retail sales—which exclude food, gas, building materials, and autos—are expected to grow 0.3 percent in June, up from flat in May. Expectations for the headline number are much lower, based on a drop in both gasoline prices and auto sales. These are not great numbers, but if they come in as expected, they would moderate concerns about a slowdown.

The industrial production report—a measure of output at factories, mines, and utilities—is expected to show growth of 0.3 percent, along with a 0.2-percent rise in manufacturing output. The headline growth number includes strong utility growth due to warm weather around the country, so it could provide some upside risk. On the other hand, it also suggests that the manufacturing number may be a more accurate indicator of the health of the economy as a whole.

Disclosures: Certain sections of this commentary contain forward-looking statements that are based on our reasonable expectations, estimates, projections, and assumptions. Forward-looking statements are not guarantees of future performance and involve certain risks and uncertainties, which are difficult to predict. All indices are unmanaged and are not available for direct investment by the public. Past performance is not indicative of future results. The S&P 500 is based on the average performance of the 500 industrial stocks monitored by Standard & Poor’s. The Nasdaq Composite Index measures the performance of all issues listed in the Nasdaq Stock Market, except for rights, warrants, units, and convertible debentures. The Dow Jones Industrial Average is computed by summing the prices of the stocks of 30 large companies and then dividing that total by an adjusted value, one which has been adjusted over the years to account for the effects of stock splits on the prices of the 30 companies. Dividends are reinvested to reflect the actual performance of the underlying securities. The MSCI EAFE Index is a float-adjusted market capitalization index designed to measure developed market equity performance, excluding the U.S. and Canada. The MSCI Emerging Markets Index is a market capitalization-weighted index composed of companies representative of the market structure of 26 emerging market countries in Europe, Latin America, and the Pacific Basin. The Russell 2000® Index measures the performance of the 2,000 smallest companies in the Russell 3000® Index. The Bloomberg Barclays US Aggregate Bond Index is an unmanaged market value-weighted performance benchmark for investment-grade fixed-rate debt issues, including government, corporate, asset-backed, and mortgage-backed securities with maturities of at least one year. The U.S. Treasury Index is based on the auctions of U.S. Treasury bills, or on the U.S. Treasury’s daily yield curve. The Bloomberg Barclays US Mortgage Backed Securities (MBS) Index is an unmanaged market value-weighted index of 15- and 30-year fixed-rate

Authored by the Investment Research team at Commonwealth Financial Network.

© 2017 Commonwealth Financial Network®

 

Investments are not FDIC insured and are subject to risk including loss of principal amount invested. Investments are neither deposits, nor obligations of the bank, and are not guaranteed.

Fixed insurance products and services offered through CES Insurance Agency, Inc.

Commonwealth Financial Network® is not affiliated with either MountainOne Investment Group or any of the MountainOne affiliated companies. The main office of MountainOne Investment Group is 85 Main Street, Suite 110, North Adams, MA 01247.

This communication is strictly intended for individuals residing in the states of
AK,AZ,CA,CO,CT,DC,DE,FL,GA,ID,IL,IN,KY,MA,MD,ME,MI,MN,MO,NC,NH,NJ,NM,NV,NY,OH,OK,OR,PA,RI,SC,TX,UT,VA,VT,WA,WI.
No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services.

Securities and advisory services offered through Commonwealth Financial Network®.
Member FINRA, SIPC, a Registered Investment Adviser.