OUR LATEST – INVESTMENTS

Chill Before Serving to Avoid Family Litigation

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Litigation can be destructive to families, both financially and emotionally. Learn how families can avoid the courts to settle their differences.

What A Waste - Bob's Market Observations

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Food waste is a serious environmental problem in the United States and other parts of the world. Fortunately, there are efforts along the chain from the farm to the consumer to help reduce waste.

October 2019 Investment Perspectives

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Our experts comment on the recent yield curve, estate planning and more.
Bob McCormick

Bob McCormick Hits the Open Road

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Our colleague is taking an early retirement at the end of the year. Although we don't normally announce retirements in this publication, it is important to note a few of Bob's lasting impacts on us, his colleagues.
Abraham Lincoln

Where There's a Will...

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What do Aretha Franklin, President Abraham Lincoln and Prince have in common? Find out.

Upside Down

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Making Sense of the Recent Yield Curve

What Does Your Family Look Like?

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Family structures have become more complex over the last few decades. Most households are now the result of blended families with working moms, adopted kids, second marriages, and the list goes on. Your estate plan needs to be customized for your specific situation.
IRA

IRA: Why, When & How Often?

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Here we share some important guidance on when to withdraw funds from your IRA. While withdrawal may seem like an easy task, you may find yourself paying more in taxes than necessary.

KFOR: Joe Ray Represents Sunbeam Board in Surprising Educator with MVP Award

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Senior Vice President & Manager of the Oklahoma City Region Joe Ray was honored to represent the Sunbeam Family Services board of directors in presenting educator, Paula Gates with the Express Employment Professionals MVP Award for Excellence.
Federal Reserve

The Risk Of Negative Interest Rates In The U.S. - Bob's Market Observations

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Understand the risk of negative interest rates in the U.S.

Jordan Hunt and Philip Mock Earn CFA® Designation

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TCO proudly announces that investment officer Jordan T. Hunt and senior vice president Philip D. Mock earned the Chartered Financial Analyst designation.

Tulsa World: Jim Savage and Tracey Sealy Join Trust Company of Oklahoma

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We are pleased to announce that Jim Savage and Tracey Sealy joined our team as a senior vice president in the Investment Management division and marketing officer in the Corporate division, respectively.

The Fiduciary Rule: What It Means For You

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We have served our clients with a fiduciary duty since our founding in 1981.

Two Rules To Live By - Bob's Market Observations

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Life's better when you follow those two simple principles.
financial abuse in elders

Alzheimer's And Dementia Patients Are Easy Prey For Scammers

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Avoid being a victim of financial exploitation.

Don't Be A Silo

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Individual trustees do not need to face all the challenges alone.

July 2019 Investment Perspectives

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Our experts comment on the stock markets, estate planning, taxes and more.

ViewPoint - Why Clients Do Business With Us

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I have many reason to be proud of who we are and the services we offer

The New Tax Law & the Economics of Divorce

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Understand the new tax law before untying the knot

Trying Not To Be a Dodo

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Changing Political Climate Threatens Fiscal Conservative Species

Is Fiscal Discipline Extinct? - Bob's Market Observations

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Does anyone care about government spending and debt? And who will pay the bill?

How Health Problems Become Wealth Problems

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Effective retirement planning involves being healthy. Learn how to protect your wealth and your health after you retire.

James F. Arens II Named President of Trust Company of Oklahoma

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Announcement was made Tuesday, May 14. Thomas W. Wilkins remains chairman of the Board of Directors and CEO.
SPOUSAL SOCIAL SECURITY

Collecting Spousal Social Security Benefits

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Social Security benefits are an important component to retirement planning. Here's what you need to know about receiving Social Security on your spouse.

Staying on The Yellow Brick Road

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Financial exploitation and elder abuse continue to rise. How can you protect yourself and your lifetime savings? Read Lesa's article.

They Want To Take Away Your Burgers - Bob's Market Observations

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There's been a growing buzz about cow's flatulence contributing to global warming. What does that have to do with land usage and the economy? Read more.

Beyond Our Borders: Why You Should Be Investing in International Markets

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It is important to invest in international stocks. Here's why.

DPOA: A Document With Super Powers

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A Durable Power of Attorney is a super document. It allows a trusted representative to act in your place. Learn how a DPOA can help you.

ViewPoint - A Message from the Desk of Tom Wilkins

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"Why should anyone hire Trust Company of Oklahoma to serve as corporate trustee and invest the assets if a family member can do it for free?" she asked me. Here's what I responded.

April 2019 Investment Perspectives

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Our experts comment on the stock markets, retirement planning, financial planning, taxes and more.

Playing Hoops With the IRS

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Are you a small business owner or investor? Please meet Qualified Business Income (QBI) deduction.

Happy Birthday, Batman!

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Batman, the first comic strip trust fund baby, turns 80 today. What lessons can we draw from the Dark Knight?

My Aunt's Close Call - Bob's Market Observations

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Luckily, one day, Bob discovered that a beneficiary document his aunt signed could put her estate plan at risk of entering the troubled probate waters.

Ron Burke, CFP®, CTFA Joins Trust Company of Oklahoma

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The oldest and largest independent trust company in the state is pleased to announce that Ron Burke joined the firm as a senior vice president in the Oklahoma City region.

2019 Taxes Cheat Sheet

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Easily find out how much you owe the IRS on income taxes, long-term investment capital gains taxes, or trust taxes. A printable cheat sheet to keep on your desk.

Jobs of the Future - Bob's Market Observations

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"Many jobs in the future aren't even in existence today." Are we unprepared for what's coming? Read more.

Investment Perspectives January 2019

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Interest rates, market corrections, oil prices, Alzheimer's, financial abuse and more. Check out our latest articles.

Alzheimer’s and Dementia Patients Are Easy Prey For Scammers

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Each day, Alzheimer's or dementia patients are at a high risk of being financially exploited. Learn how to spot it and how to prevent it.

"Drill, Baby, Drill"

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The oil and gas market has been a rollercoaster. Oil barrels reached the $75 price range then dropped again. What does 2019 hold for the energy industry?

The Return of Volatility

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It was a challenging year for investors. We wrapped up 2018 with a second 10% correction for the year. What's driving investor anxiety and how does 2019 look like for the markets?
financial planning expert- bob mccormick

New Year's Day Reflection- Bob's Market Observations

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We ended 2018 with high volatility, but McCormick is optimistic our investments will be better off soon. It’s not shaping up to be a straight line though.

How to Survive A Bear Market - Bob McCormick's Market Observations

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The recent market volatility got many investors in a panic. Again. What's the best strategy to live through a bear market?

A Christmas Gift to Your Future Self

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Make your end-of-year bonus increase your retirement readiness. Take a look at how much you can contribute in 2019 towards your retirement plan.
financial planning expert- bob mccormick

Market Observations by Bob McCormick - October 2018

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I've recently crossed the Southwest towards California, and one of my favorite parts of the trip was driving by the trains transporting goods to and from the West coast, a statement of the power of rail road transportation and our economy. As for investments, September brought record highs for large-cap U.S. stocks. Read more.

How To Talk To Your Heirs About Your Estate Plan Without Ruining Your Relationship With Them

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There can be big benefits to your family knowing your estate plan. But how to communicate to your heirs who gets what without spoiling the relationships with each of them?
retirement planning with spouse

Qualified Charitable Distribution

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Maximize your charitable gifts while saving on Medicare, income taxes and Social Security. Learn how making contributions directly from your Individual Retirement Account (IRA) can be good for the nonprofit and for your pocket.

October 2018 Investment Perspectives

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Tariff war, how to handle difficult estate plan conversations, qualified charitable distributions, and more. Check out our October newsletter.

Tariffs And Raisins - Children Pick Up On The Darndest Things

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The Trump administration recently imposed steep tariffs on several countries, including China. In retaliation, China imposed tariffs on American products. This isn't the first time the U.S. grapples with competitive tariffs, though. Learn more about our country's history of tariff conflicts and the current conflict's impact on our economy.
financial review on tablet

Market Observations by Bob McCormick - September 2018

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The right estate planning will not only put our own minds at ease but make our family’s life less stressful.
financial review on tablet

Market Observations by Bob McCormick - August 2018

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Thinking you can day-trade your way to riches by being fast is bad thinking. If you can’t outrun a cheetah, don’t even think about out-trading high-frequency trading firms.
tax review personell

The Certainty of Taxes in Retirement

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Many retirees mistakenly believe that once they retire they won't have to pay taxes anymore. Your retirement success depends on planning carefully your income and taxes. Read article.
financial planning expert- bob mccormick

Market Observations by Bob McCormick - July 2018

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Corporate earnings are growing at a double-digit rate, yet halfway through the year the S&P 500 posted a meager 2.6% return. Read Bob's investment market commentary.
retirement planning with spouse

Catching Up with Your Retirement Savings

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Most Americans don't have enough saved for retirement. Is your nest eggs not where it should be? Are you not maxing out your 401(k) contributions? Don't panic. There's still time to catch up with a few strategies and enjoy financial peace of mind soon.

Decrypting the Bitcoin Bubble

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The cryptocurrency's meteoric rise in 2017 had the investment community in awe. Today, the Bitcoin phenomenon has turned into a bloodbath. Investors' confidence is gone. Read an interview with Senior Vice President Michael Abboud about Bitcoin's rise and fall.

Tax Reform: How It Affects You

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Congress recently passed the largest piece of tax reform legislation in more than three decades. The bill affects most taxpayers. One area is the ability to deduct charitable contributions. Vice President Emily Crain broke it down to what you need to know.

July 2018 Investment Perspectives

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Cryptocurrencies' bubble, Tax Reform, catching up with your retirement and more.
financial planning expert- bob mccormick

Market Observations by Bob McCormick - June 2018

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A lot of factors impact economic growth, and demographics are certainly one of them. The government just released the 2017 births report, and the findings show a 30-year low in the number of births and a large increase in deaths for age group 25-34. Read Bob's commentary.

Top 5 Retirement Planning Mistakes

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Along with getting married and having kids, retiring is one of the most serious decisions you will make in life. If you plan carefully, your retirement years can be filled with joy and financial independence. But the alternative can lead you to serious financial problems. Here are our top 5 retirement planning mistakes to avoid in order to achieve a successful retirement.
retirement planning with spouse

Why You Might Want Both a Traditional 401(k) and a Roth

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Planning for retirement involves balancing what you're willing to set aside now with what you'll pay in taxes while in retirement. Splitting your retirement savings between a traditional 401(k) and a Roth 401(k) — or IRA — is sound planning.
Bob McCormick- financial planning expert

Market Observations by Bob McCormick - May 2018

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What are the lessons history taught us? Today's headlines are troublesome, but a quick look at American history provides a healthy dose of perspective. Read Bob's commentary on the market performance and social issues.

April 2018 Investment Perspectives

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Tech companies are disproportionally driving stock market returns and capturing the majority of national headlines. But haven't we seen this (scary) movie before, during the "Tech Bubble?"

Cautiously Optimistic

Money managers are supposed to be cautiously optimistic over time.
Bob McCormick's Market Observations

When Instincts Are Wrong: Overcoming Behavioral Biases

One of the fascinating aspects of managing wealth for individuals is getting to watch the wide range of human emotions play out in real time.
father and son enjoying retirement

The Class of 2030 - Gearing Up For College Without Going Broke

According to some predictions, the estimate cost for my five-year-old to attend a four-year public university is around $175,000 and this is assuming he receives in-state tuition. A private college is expected to be closer to $475,000. Gulp!
Bob McCormick's Market Observations

Should Anyone Buy Bonds?

Past performance is not a predictor of future results.
Bob McCormick's Market Observations

Multi-Coping

Innovation Everywhere, Except in the Numbers
Bob McCormick's Market Observations

Short-Term Pain for Long-Term Gain

A close look at where the interest rates may be headed.
real estate lake side property

Overcoming The Emotion of Family Properties

Family legacy properties are extremely emotional assets. The feelings triggered by the thought of parting with the family farm, lake cabin or beach house can become the cause of tension among family members.

Predictably Unpredictable

What a predictable year it’s been.
Bob McCormick's Market Observations

Finding Meaning in the Noise

When I wrote in this space last October, stock market averages had fallen sharply in August and September and investors were fearful of further declines.
retirement planning with spouse

Retirement Income Planning: Escaping from the Daily Grind

Odds are you too have invested far more time than necessary researching some banal household purchase. But if you are nearing your retirement or are already in the midst of it, how much time have you have considered your income strategy in retirement? Was it more or less than the time spent on your last Amazon.com purchase?
retirement planning with spouse

The Dangers of Senior Isolation

Old age “ain’t for sissies.” There is some truth to that.
bull and bear stand off

October 2016 Investment Perspectives

Finding Meaning in the Noise
Bob McCormick's Market Observations

The Money Market Reform

The Securities Exchange Commission (SEC) has issued new rules for prime (nongovernment) money market funds. Learn how this affects your investments.
retirement planning with spouse

Roth Rules

How to Make a Roth Work for You

Whatever it Takes?

U.S. stocks were up modestly the first half of the year. The trip was anything but calm. A sharp drop early in the year was followed by a rally moving in tandem with higher oil prices.
Bob McCormick's Market Observations

A Tale of Two Halves

We were in the midst of March Madness when I realized the first quarter of 2016 was like a basketball game for the markets, comprised of two unique halves.
bull and bear stand off

April 2015 Investment Perspectives

Hope Springs Eternal
bull and bear stand off

January 2015 Investment Perspectives

Climbing The Wall Of Worry
bull and bear stand off

October 2015 Investment Perspectives

Learn to Love the Pullbacks

Dangerous Words

There are five words investors should always use with caution: "It is different this time". In this article Bob suggests two unusual suspects which may explain why "different" may be happening now.

Planning For What Matters Most

In this article, Jamie provides important counsel on how to prepare for your children's future.
Bob McCormick's Market Observations

Taxes & Scams, Ham & Eggs

Tax season is unnerving enough without scammers preying on you. In this article, Bob shares the latest scam to be wary of.

HEMS To Live By

Joanna Murphy reviews how important language and communication are when it comes to estate planning.
starting a living trust

It's Better To Be Safe Than Sorry

David Stanley offers some helpful questions that we should be asking our financial advisors.

All Eyes On The Fed

Jim Arens discusses what the new year might hold for both stocks and bonds and whether the strong stock returns of 2013 are likely to continue.
bull and bear stand off

January 2014 Investment Perspectives

All Eyes On The Fed
financial abuse in elders

Don't Let Your Digital Assets Evaporate Into the Cloud

In this article, Melissa Taylor sheds light on a subject that has never crossed the minds of many, Digital Assets & Estate Planning.
Bob McCormick's Market Observations

Just How Safe Are Bonds?

In this article, Zac Reynolds shares his insights on the market and the safety of Bonds.

Fees Matter

In Debi Combs article, Fees Matter, she explains the importance of knowing what fees are being charged in your 401(k) plan and how those fees can effect your bottom line at retirement.

A Legacy of Wealth and Purpose

In Jamie O'Shields article, A Legacy of Wealth and Purpose, she provides helpful tips on how to make sure your family legacy is carried on... long after you are gone.

Tough Love

In his article, Tough Love, Bob McCormick shares his thoughts on how the possible change in Federal Reserve policy may affect interest rates and the stock market.
historical books

Why Establish a Trust?

In this article, Jean Kates shares her perspective, as a rancher's daughter, on why establishing a trust is so important.

Are Your Assets Protected?

In this article, Michael Hairston discusses a variety of asset protection options to consider in this uncertain world.

Can Stocks Stay "In The Zone"?

With a strong first quarter for stocks, Cameron Turner explains the reasons and offers his thoughts as to what the future might bring.
how to plan for retirement

Retire On Time

Don’t miss Paul Giehm’s timely article on four important principles.

Is Free Market Capitalism Fair?

“Success is not final, failure is not fatal: it is the courage to continue that counts.”

It's All About Medicare

With the dawn of 2013, Jim Arens shares his thoughts on what the upcoming year may hold for the investment community and more importantly, for you.

Making Cents

In the December 2012 issue of Tulsa People

So You Think You're Rational?

Cameron Turner's article poses three questions to help you determine if you are a rational investor.

How Do You Spell Taxmeggedon?

Joanna Murphy describes the impact of these changes as they relate to investments and estate planning.

Avoiding A Fall Off The Fiscal Cliff

With the presidential election only a month away, the “fiscal cliff” looming at the end of this year, and the potential for significant increases in taxes beginning next year, investors are focusing  on what might happen and what they should do about it.

The Sunny Side of the Street

While most Oklahomans are hoping for a little rain, it’s a safe bet that no one wants it to start raining on the real estate market’s slow and steady recovery.
how to plan for retirement

The Retirement Myth

Two popular yet contradictory mindsets in modern culture say that you should love what you do and that you should strive to stop doing it as early as possible.

Well, Shake It Up, Baby, Now... Twist & Shout

It’s July, which typically means summer vacation! However, that’s not the case for the Federal Reserve, as Corey Redington discusses the impact on investors of the Fed’s continuation of Operation Twist announced in June.

The Sword of Damocles: Funding the Living Trust

Jamie O’Shields writes about unfunded living trusts and the dangers of staying in the hot seat.
financial abuse in elders

Preventing Exploitation of Elders

Jennifer May discusses a topic we all hope to never experience but need to be made aware of. Elder exploitation is no joke. Learn how to arm yourself and your loved ones.
Bob McCormick's Market Observations

Q & A with Becky Frank

Becky Frank, Tulsa Metro Chamber Chairman & CEO of Schnake Turnbo Frank| PR recently visited with two of Trust Company of Oklahoma’s portfolio managers, Michael Abboud and Cameron Turner, to get their perspective and opinions on investments in the world today.
Bob McCormick's Market Observations

Q & A - The Safety of your Money at TCO

(Originally published January 2009)
financial planning services

Yes, We Can!

David Stanley clears up a common misconception some individuals have when they hear the name “Trust Company of Oklahoma.”
Bob McCormick's Market Observations

It's All About Europe... For Now

Jim Arens shares his thoughts on what investors can expect from the stock market in 2012.
historical books

Family Wealth Preservation Trust

Protecting your assets from creditors may not be the first thing you think about when you wake up but all too often, people do not think about it at all until it is too late. Fortunately, in Oklahoma we have an attractive asset protection vehicle called the Oklahoma Family Wealth Preservation Trust (FWPT) that can help Oklahoma residents and non-residents alike. Read Lesa Creveling’s insightful article (originally published June 2006) on the benefits of this asset protection trust, its tax treatment and how it works in relation to federal bankruptcy law.
managing trust and estate planning

The Road to Trustee Hell is Paved with Good Intentions

Joanna Murphy discusses the challenges individuals face when serving as a trustee or as an executor of an estate. Being a fiduciary carries a tremendous amount of responsibility ranging from detailed record keeping to bill paying, from tax returns to investments. But don’t despair - Joanna also shares how having a corporate trustee such as Trust Company of Oklahoma can help ease the burden when filling this role, especially for friends and family.
Bob McCormick's Market Observations

Double Dip - Ice Cream or the Economy?

Published in Investment Perspectives October 2011 issue.
Bob McCormick's Market Observations

Nation's debt level must be addressed now

Published in the Tulsa World on August 18, 2011.
Bob McCormick's Market Observations

Is Inflation Back?

It depends on your outlook.

Prosperity with a Purpose

Is there a purpose for your prosperity? In other words, what are you trying to accomplish with your wealth?

The Oil & Gas Industry in Oklahoma

Many do not realize that gasoline accounts for less than one-half of the products made from a barrel of crude in the U.S
Bob McCormick's Market Observations

Kicking The Can

If there is one thing our Congress is good at, it is their ability to consistently kick the can...

Planning & Caring for Children with Special Needs

Parents of children with disabilities are often faced with the challenge of providing a level of care most families never experience.
how to plan for retirement

What About My Retirement?

When I retire, I plan to travel to exotic places, spoil the grandkids I hope to have someday and spend lots of time on the beach. I know these dreams won’t come true without some wise decisions on my part--many of which have to do with my retirement plan.
Bob McCormick's Market Observations

Geopolitical Events - Abroad and Here

Crises around the globe have consumed much of our attention as of late.
Bob McCormick's Market Observations

The Path to Bringing Jobs Back Home

America must address currency manipulation and focus on exports so as to lessen our dependence on personal consumption and housing as sources of economic growth.

The Unknown Certainty of Taxes

As the old saying goes, nothing in life is certain but Death and Taxes.
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