Financial Topics Newsletter
 Brought to you compliments of John F. Reutemann, Jr., CLU, CFP®
February 2009   Friday, September 3, 2010
Your Financial Road Map
Are you making progress toward your financial goals? Are your finances in order? Are you prepared for a financial emergency? If you're not sure, take time to thoroughly assess your finances so you have a road map for your financial life.
 [FULL ARTICLE]
 
Raising Financially Responsible Children
It's not unusual to have concerns about the impact money may have on your children's lifestyles. Even beyond basic financial responsibility, you want to make sure that wealth does not remove your children's incentives to work hard, to pursue a meaningful career, or to care about other people. How do you help your children obtain the values you'd like them to have? Consider these tips.
 [FULL ARTICLE]
 
Asset Allocation Basics
The theory behind diversification, or asset allocation, is to spread your investments across different asset classes to help protect your portfolio from downturns in any one asset. Diversification is a defensive strategy - it is meant to protect your portfolio during market downturns and to reduce your portfolio's volatility.
 [FULL ARTICLE]
 
How Retirees Can Protect Their Nest Eggs
While stock market fluctuations are painful for all investors, they are even more so for those nearing or in retirement. Investors who won't be retiring for many years have plenty of time for their investments to grow. Current and prospective retirees, however, may be concerned about how market fluctuations will affect their retirement plans. If you're looking for ways to help protect your retirement nest egg, consider the following.
 [FULL ARTICLE]
 
Be Prepared for a Layoff
In these economic times, job security is a notion from the past. All workers should be prepared financially for the possibility of a job layoff. Here are some tips to help with that process.
 [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 1996-2008

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 © 2009 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. 		TELL A FRIEND