Brought to you compliments of John F. Reutemann, Jr., CLU, CFP®
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July 2009
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Friday, September 3, 2010
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How Much Can You Withdraw in Retirement?
How much to withdraw annually from your
retirement assets is probably one of the most important decisions
you'll make when you retire. Several factors need to be considered
when calculating your withdrawal rate, including your life expectancy,
expected long-term rate of return, expected inflation rate, and
how much principal you want remaining at the end of your life.
[FULL ARTICLE]
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Inflation, Disinflation, and Deflation
It's been a long time since the words "deflation"
and "the U.S. economy" have been used in the same sentence.
But with the sharp decline in the prices of stocks, real estate,
and commodities over the last year, we're hearing those words
in the same sentence increasingly often.
[FULL ARTICLE]
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Reevaluate Your Life Insurance at Retirement
As retirement age approaches, it's usually
a good time to reassess your life insurance policies to see if
your needs have changed. With your children on their own and no
earned income to replace, you may no longer need a large life
insurance policy. Especially if your insurance premiums are high,
you may be tempted to cancel the policy, take the cash surrender
value, and enjoy retirement.
[FULL ARTICLE]
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Buying When Prices Are Low
For some investors, a long or steep decline
in the price of a stock is a signal to beware. For others, it's
a temptation to pick up a bargain at a steep discount and make
a handsome profit when the stock rebounds. In practice, it takes
a lot of savvy to accomplish. Here are a few tips that help you
know when and when not to buy.
[FULL ARTICLE]
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The Fundamental Investing Principle
The whole point of an investment program
is to accumulate sufficient funds to meet your financial goals.
So what is the most fundamental investment principle - selecting
the proper investments, accumulating the correct combination of
assets, timing the market to avoid corrections? Actually, the
principle may not even sound like an investment principle at all.
[FULL ARTICLE]
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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 1996-2009
You can also contact us via e-mail at
danny.harbison@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 © 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.
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