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

September 2008   Friday, September 3, 2010
Rolling Over Pension Plan Assets to a Roth IRA
Starting January 1, 2008, the Pension Protection Act of 2006 permits proceeds from qualified retirement plans, including 401(k), 403(b), and 457 plans, to be rolled over directly to a Roth individual retirement account (IRA).
[FULL ARTICLE]
 
Social Security Benefits for Married Couples
When should married couples apply for Social Security benefits? Before answering, you first need to understand the rules.
[FULL ARTICLE]
 
Should You Pay Back Social Security Benefits?
Deciding when to start Social Security benefits is an important decision. While full retirement age for Social Security benefits is gradually increasing from age 65 to age 67, you can still start benefits at age 62.
[FULL ARTICLE]
 
What Happened to Savings in America?
In the mid-1980s, the savings rate stood at more than 10%. As of March of this year, it was a measly 0.4%. These and a host of other data point to a disturbing reality: America is experiencing a savings crisis that threatens its economic future.
[FULL ARTICLE]
 
7 Steps to a Financially Healthy Marriage
Money is one of the great battlegrounds of marriage. It's the factor responsible for the most divorces, and according to a survey by Money magazine, the subject married couples argue about more than any other topic except one (that honor is reserved for household chores).
[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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Published by John F. Reutemann, Jr. CLU, CFP®
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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