Investment Banking

Cherry Tree and Associates provides investment banking services through its FINRA-licensed broker dealer. Its M&A practice targets successful business leaders and established corporations to creatively build value, and to maximize liquidity opportunities by executing professionally managed transactions. Additionally, our firm raises money for growth companies through institutional private placements, conducts valuations and fairness opinions and performs strategic advisory services that help companies grow and prosper.

Wealth Management

Cherry Tree’s affiliate, Adam Smith Advisors (ASA), provides wealth management services to assist successful business leaders and families in managing their net worth. It also manages 401K retirement plans for growing companies. ASA uses Asset Allocation Strategies and low fee index funds, to implement an Individually Tailored Investment Plan for each client. Adam Smith is a Registered Investment Advisor.

About John O'Connor

John has more than ten years experience as an Investment Advisor. He focuses on devising and maintaining portfolios that meet individuals’ needs, investment research, and investment strategy. John has been recognized as a “FIVE STAR wealth manager” by Twin Cities Business Magazine for 2016, 2017, 2018 and 2019.

Investing Lessons from 2018

Investing Lessons from 2018
I spend a lot of team each year researching investment strategies for my firm. It’s fun to look over the marketing materials from fund companies. My job is to determine what actually offers substantial improvement over what we are using today and what is just marketing BS. Most of it is marketing, […]

By |January 17th, 2019|Wealth Management|

Is it Time to Buy?

Is it Time to Buy?
Stocks are on sale. Let’s review how we decide when it’s time to buy.

The first thing you need to do is consult your investment plan. It should spell out when you will rebalance your accounts. For my clients, we look to rebalance when stocks are 5% below their target. If your […]

By |January 8th, 2019|Wealth Management|

Corporate Trustees

Corporate Trustees
Most families, even the most financially responsible ones, have at least one child who struggles to learn budgeting. When this continues into that child’s 30s, it becomes apparent that he/she may never learn to make wise financial decisions. That presents a problem for families with wealth that will be passed down to the next […]

By |December 18th, 2018|Wealth Management|

My Unconventional Plan to Save Less Next Year

My Unconventional Plan to Save LESS Next Year
I’m going to let you in on a secret. My plan for next year is to save less money for retirement. As a financial advisor, I often tell people to do the opposite. Maximizing your savings whenever possible will give you the freedom to have more fun down […]

By |December 11th, 2018|Wealth Management|

Can You Count on Social Security?

Can You Count on Social Security?
Did you know that the Social Security Board of Trustees produces an annual report on the financial status of the program? Said another way, each year they update us on when the Social Security trust fund will run out of money. The good news is that Social Security still isn’t […]

By |December 4th, 2018|Wealth Management|

Days are Long but the Years are Short

Days are Long but the Years are Short
As a new parent, I’ve been told that the days are long but the years are short. That means sometimes I’m at wits end because I’m not sleeping enough and I don’t know how I’ll get through the day. But then I’ll blink and little Raelyn will be […]

By |November 15th, 2018|Wealth Management|

New Contribution Limits for 2019

New Contribution Limits for 2019
The IRS released the retirement account contribution limits for 2019 a couple of weeks ago. They increase the maximum contributions to keep up with inflation. Starting in 2019, you can now save:

$19,000 (up $500) in your traditional or Roth 401k ($25,000 if you are age 50 or older)
$6,000 (up […]

By |November 13th, 2018|Wealth Management|

Alternatives

Alternatives
Often, wealthy clients come to me wondering if they should invest in alternatives like hedge funds or private equity. It’s a fair question. There is something sexy and exclusive about alternatives. They are supposed to deliver high returns and low risk. I hate to be the one to tell you that’s too good to be […]

By |November 6th, 2018|Wealth Management|

Tax-Loss Harvesting

Tax-Loss Harvesting
When life hands you lemons, make lemonade. Let’s make the most of the recent downturn in stocks and look for ways to use tax-loss harvesting to lower your tax bill.

What is tax-loss harvesting? It’s a smart portfolio move where you book paper losses on your investments and reinvest the proceeds to stay invested for […]

By |October 30th, 2018|Wealth Management|

Another Life Lesson from 22 Year-Old John

Another Life Lesson from 22 Year-Old John
This is an attempt to help you live a better life by learning from my 22-year old self. 22 year-old John was a die-hard Chicago White Sox fan. He put way too much emotional investment into the daily ups and downs of that team. If they had a good […]

By |October 23rd, 2018|Wealth Management|