Financial Topics Newsletter
 Brought to you compliments of John F. Reutemann, Jr., CLU, CFP®
June 2008   Friday, September 3, 2010
Varying Your Bond Strategies
A common misconception regarding bonds is that they are only appropriate for older or more conservative investors. However, bonds should be considered by all investors as part of a well-diversified portfolio, even though their role may change over your lifetime.
 [FULL ARTICLE]
 
Using Bond Swaps
A passive approach to bond investing typically involves purchasing a bond and holding it to maturity. With that approach, you receive your entire bond principal and do not have to worry about the effects of interest rate changes on the price of your bond. However, as the interest rate environment changes, there may be opportunities to use more active strategies for your bond investments, such as bond swaps.
 [FULL ARTICLE]
 
Start Budgeting
Almost no one enjoys the process of analyzing and budgeting expenditures, but inefficient and wasted expenditures can be major impediments to accomplishing your financial goals. It is difficult to manage your money if you don't know how much you have or where it is going. Consider these steps when developing your budget
 [FULL ARTICLE]
 
Stretching Your IRA
Individual retirement accounts (IRAs) are usually viewed as retirement planning vehicles. But with increased contribution amounts and the ability to roll over 401(k) balances to an IRA, many IRA owners are finding they won't use the entire IRA balance for retirement. Thus, IRAs are increasingly becoming major estate planning tools. When used for estate planning, the goal is to extend the IRA's life as long as possible so that beneficiaries can benefit from the tax-deferred (for traditional IRAs) or tax-free (for Roth IRAs) growth. How can you accomplish that?
 [FULL ARTICLE]
 
Protecting against Inflation with TIPS
Treasury Inflation Protected Securities (TIPS) were created in 1997 to provide bond investors with inflation protection by periodically adjusting the bond's face value based on the increase in the Consumer Price Index for All Urban Consumers (CPI-U). The bond's interest rate is determined at auction and does not change during the bond's life, but the principal is adjusted every six months. Thus, subsequent interest payments are based on the increased principal amount.
 [FULL ARTICLE]
 

John (Jack) F. Reutemann, Jr., CLU, CFP® is the Branch Manager for the Rockville, MD office of LPL Financial. LPL is the largest independent investment firm 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, achieve 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 1996-2007

You can also contact us via e-mail at
brian.lane@rfsadvisors.com
or visit our Web site
www.rfsadvisors.com

Securities, financial planning and asset management offered through LPL Financial
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Published by John F. Reutemann, Jr. CLU, CFP®
Copyright © 2008 John F. Reutemann, Jr. CLU, CFP® . All rights reserved.
Some information provided in this newsletter was prepared by Integrated Concepts. 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. 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. 		TELL A FRIEND