Financial Topics Newsletter
 Brought to you compliments of John F. Reutemann, Jr., CLU, CFP®
October 2009   Friday, September 3, 2010
How Is the Fed Dealing with the Recession?
As detailed in the 1978 amendment to the Federal Reserve Act, the Fed's goals when setting monetary policy are "to promote maximum sustainable output and employment and to promote stable prices." Monetary policy has historically been implemented through three main methods.
 [FULL ARTICLE]
 
Should We Worry about the Deficit?
A federal deficit occurs when the government's expenditures for the year exceed its income. The government then pays for those excess expenditures by borrowing money, adding to the national debt. With so much stimulus money being spent to prod the economy out of recession, the federal deficit will reach record levels this year. According to the Congressional Budget Office, the federal deficit will quadruple in 2009, from $459 billion last year to $1.845 trillion this year
 [FULL ARTICLE]
 
Staggered Retirements
The Center for Retirement Research indicates that only 20% of couples retire in the same year - 50% still have one spouse working two years after the other spouse has retired (Source: Money, August 2008). Often, one spouse retires before the other due to health problems or a layoff, not necessarily because the spouse chooses to retire early.
[FULL ARTICLE]
 
Consider a Bond's Maturity Date
All investments seem more volatile these days, including bonds. To help control volatility in your bond portfolio, carefully consider maturity dates before purchase. Bonds can be purchased with maturity dates ranging from several weeks to several decades. Before deciding on a maturity date, review how that date affects investment risk and your ability to pursue your investment goals.
 [FULL ARTICLE]
 
Time to Straighten Out Your Financial Accounts
It's not uncommon to accumulate things over the years, without taking time to straighten them out periodically. That applies to our finances as well as to our possessions. How many credit cards do you carry? How many stocks and bonds, brokerage accounts, and individual retirement accounts (IRAs) do you own? It's not just a matter of finding time to keep track of all these different financial assets.
 [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 1996-2009

You can also contact us via e-mail at
danny.harbison@rfsadvisors.com
or visit our Web site
www.rfsadvisors.com

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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