Brought to you compliments of John F. Reutemann, Jr., CLU, CFP®
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February 2012
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Saturday, February 4, 2012
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Make Your Savings Last through Retirement
Saving enough by age 65 to ensure that you can maintain your standard of living through a long retirement has become increasingly difficult. You will probably be responsible for the majority of your retirement income, whether you obtain
that income from 401(k) plans, individual retirement accounts (IRAs), or taxable investments. Before retiring, you'll want to
ensure that you have sufficient savings to support yourself for 20, 30, or even 40 years, depending on your age when you retire.
[FULL ARTICLE]
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Debt's Role in Your Financial Plan
As nice as it may seem, achieving debt-free
status isn't always the best way to reach your financial goals.
"Smart debt" may actually help you with your goals. What is "smart debt"? Smart debt is the kind that generates more
advantages than disadvantages. Here's how to recognize it.
[FULL ARTICLE]
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How Should You Evaluate Your Investment Results?
Marked by two recessions, the last decade
was one of the weakest for stock returns in a generation, with
steep losses in three years and average annual returns in the
major indexes of less than 3% - six points below their long-term
rates of return. On the other hand, if you look only at the last
two calendar years, at certain indexes, stocks, and gold, things
look good. If you were in the right investments, you may well
have outperformed the Dow Jones Industrials and the S&P 500.
[FULL ARTICLE]
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Inheriting Stocks
Typically, individuals who inherit stocks
receive stocks that have increased in value over time. But what
do you do if you inherit a stock that has decreased in value since
the original owner purchased it?
[FULL ARTICLE]
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Market Timing vs. Buy and Hold
Market timing involves making financial
market buy and sell decisions based on your prediction of the
future performance of the market. A buy-and-hold investment strategy,
in contrast, involves buying in to the market on a regular basis
and holding your investments over time.
[FULL ARTICLE]
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John (Jack) F. Reutemann, Jr., CLU, CFP® is the Founder and CEO of Research Financial Strategies (RFS) in Rockville, MD. RFS is a registered investment advisor firm. Jack is also a registered principal with LPL Financial. LPL Financial is the largest independent broker/dealer in the United States,* offers no proprietary products and does not engage in investment banking activities. We are able to provide unbiased and independent investment recommendations to our clients. Jack is committed to providing the finest service and investment advice. He specializes in serving the needs of high-net-worth individuals, successful professionals, business owners and retirees. Jack is highly knowledgeable in the areas of tax-advantaged investing, retirement planning, financial planning, business planning and professional fee-based asset management. Our firm pays close attention to the often-overlooked area of risk management coupled with a strict sell discipline.
After earning his BS in Economics from the University of Maryland, College Park, Jack entered the investment business. For over 30 years, Jack has been helping families and businesses throughout the Washington, DC Metropolitan area, and the United States, work toward their financial goals.
Jack lives in Potomac, MD with his wife Toni and their five children.
For a no obligation, no fee appointment, feel free to call us at, (301) 294-7500.
*Based on total revenues, as reported in Financial Planning magazine, June 1996-2011
You can also contact us via e-mail at
danny.harbison@rfsadvisors.com
or visit our Web site
www.rfsadvisors.com
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Copyright © 2012 Integrated Concepts Group, Inc.. All rights reserved.
Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Research Financial Strategies, a registered investment advisor and separate entity from LPL Financial. Integrated Concepts Group, Inc. is not affiliated with LPL Financial.
Some articles in this newsletter were prepared by Integrated Concepts, a separate, nonaffiliated business entity. This newsletter intends to offer factual and up-to-date information on the subjects discussed, but should not be regarded as a complete analysis of these subjects. The appropriate professional advisers should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.
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