Financial Topics Newsletter
 Brought to you compliments of John F. Reutemann, Jr., CLU, CFP®
November 2009   Friday, September 3, 2010
Grow Your 401(k) Plan
Your 401(k) plan's ultimate size is primarily a function of two factors - how much you contribute and how much you earn on those contributions. You know you could contribute the maximum amount possible ($16,500 in 2009 plus a $5,500 catch-up contribution for individuals age 50 or older, if permitted by the plan). But what steps should you take to maximize your returns? Consider these tips.
 [FULL ARTICLE]
 
Assess Your Life Insurance Needs
Life insurance is meant to protect your family in case you die. We all hope to live to a ripe old age, to see our grandchildren marry and have children of their own, and to share old age with our spouse. But life insurance is about preparing for the unexpected. If you have dependents who rely on your income, life insurance will probably be needed to provide for them after your death.
 [FULL ARTICLE]
 
Review Your Homeowners Insurance
Often, homeowners insurance is purchased with the home and then is not thought about again until a claim is made. But since there is little you can do at that point about your coverage, take time periodically to review your policy. Some items to consider include...
 [FULL ARTICLE]
 
Unemployment in the Current Recession
With unemployment rates higher than they've been in decades, many are trying to determine how quickly unemployment numbers will come down once the recession is over. While the overall unemployment rate is the most commonly cited statistic, researchers focus on two components of that rate - the inflow rate, or the rate that workers are moving into unemployment, and the outflow rate, or the rate that workers are moving out of unemployment.
 [FULL ARTICLE]
 
Why You Need an IRA
In some ways, a 401(k) plan or defined-benefit plan from an employer can provide a false sense of security. You may feel, without analyzing the situation, that you're saving enough for retirement. But the reality is that the plan may not be enough to provide the retirement you had in mind. Thus, you may also want to contribute to an individual retirement account (IRA) for some or all of the following reasons
 [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