Financial Topics Newsletter
 Brought to you compliments of John F. Reutemann, Jr., CLU, CFP®
March 2009   Friday, September 3, 2010
Finding a Balance between Risk and Return
One of the most basic investment principles is that returns reward you for the risks that you take. While investors are often uncomfortable with the concept of risk, it is this uncertainty that makes higher rates of return possible. Some basic investment principles related to risk and return include...
 [FULL ARTICLE]
 
What's a Reasonable Rate of Return?
How do you know if you're saving enough for a future goal? You must get three factors right - how much you need, when you need the money, and how much you'll earn on your investments. You can then calculate how much you should save on an annual basis.
 [FULL ARTICLE]
 
Make Pension Decisions Carefully
In the past, a retiree typically received a monthly pension check and Social Security benefits. Now, it's not uncommon for a retiree to have a pension plan, a couple of 401(k) plans, some individual retirement accounts (IRAs), personal savings, possibly some deferred compensation, and maybe an annuity. Deciding how to handle all of those different income sources in the most advantageous manner is a daunting task.
[FULL ARTICLE]
 
Does Buy and Hold Still Make Sense?
We all know the basics - design an asset allocation plan, ignore market fluctuations, and stick with the plan for the long term. In other words, become a buy-and-hold investor. But in an era where everything seems to change overnight, is it realistic to expect to find investments you'll be comfortable owning for years or even decades
 [FULL ARTICLE]
 
Assisting Your Parents with Their Finances
Discussing financial matters with your parents can be difficult. You don't want to seem concerned about how much money they may eventually leave you, while they may fear you are interfering in their lives. Yet, without discussing these matters beforehand, you may have trouble finding financial records or determining their wishes if you need to take over their finances.
 [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
Member FINRA/SIPC
  
SUBSCRIBE

Enter your email address in the box below to receive an email each time we post a new issue of our newsletter:


Add a friend’s name
 Remove your name
 Send as HTML
  

ARCHIVE
February 2009
January 2009
December 2008
November 2008
October 2008
September 2008
August 2008
July 2008
June 2008
May 2008
April 2008
March 2008
February 2008
January 2008
December 2007
November 2007
October 2007
September 2007
August 2007
July 2007

[MORE]
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