Financial Topics Newsletter
Brought to you compliments of John F. Reutemann, Jr., CLU, CFP®

July 2008   Friday, September 3, 2010
How Will You Deal with Long-Term-Care Costs?
Life expectancies have increased significantly and are expected to continue to increase in the future. As people age, however, they are more likely to develop conditions that limit their ability to live independently. Thus, as life expectancies increase, so does the need to make provisions for long-term-care costs.
[FULL ARTICLE]
 
Regularly Review Your Life Insurance
Periodically, you should review your life insurance policies to ensure that they still meet your insurance needs for your current situation. A divorce, change in income, or death or illness in the family are all factors that significantly impact the amount of life insurance you need.
[FULL ARTICLE]
 
Assessing Your Investment Risk Tolerance
Your individual risk tolerance will significantly affect the look of your portfolio, so you should have a good understanding of what it means and how it is applied to your investments. While a high-risk portfolio may look good on paper, how those investments will affect your behavior and emotional state should be taken into consideration.
[FULL ARTICLE]
 
Dealing with Bond Price Fluctuations
There are two primary factors that affect bond prices - interest rate changes and credit rating changes. Interest rate changes typically will cause a bond's value to fluctuate more than credit rating changes.
[FULL ARTICLE]
 
Spousal IRAs: Contributing Together
Perhaps you are a stay-at-home parent. Or your spouse is a professor on an unpaid sabbatical. Maybe your spouse decides to take time off to write a book. Even though you are not working, you still need to consider retirement plans.
[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
Member FINRA/SIPC

 
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Copyright © 2008 Integrated Concepts Group, Inc.. All rights reserved.
The articles in this newsletter were 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.
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