Financial Topics Newsletter
 Brought to you compliments of John F. Reutemann, Jr., CLU, CFP®
December 2009   Friday, September 3, 2010
Calmly Reassess Your Portfolio
The recent market volatility has been more pronounced and of longer duration than many expected, making it difficult to determine how to adjust your portfolio. Should you leave it alone, hoping the market will quickly rebound to much higher levels? Or should you sell everything and stick your money in cash accounts? The appropriate answer probably lies somewhere between those two extremes. What you should do is thoroughly review your portfolio and make any necessary adjustments.
 [FULL ARTICLE]
 
Answer These Questions First
Investments in bonds should be tailored to your investment objectives, risk tolerance, and other personal circumstances. Answering some fundamental questions will help you determine the role bonds should have in your portfolio.
 [FULL ARTICLE]
 
Should You Pay Off Your Mortgage before Retirement?
A recent study found that 41% of homeowners between the ages of 60 and 69 still have a mortgage on their home. Of those, 51% had sufficient assets to repay their mortgage (Source: Center for Retirement Research, July 2009). The study found that most households would be better off paying their mortgage off, since the cost of the mortgage is higher than their investment earnings. But is that good advice for your situation?
 [FULL ARTICLE]
 
The Recession's Impact on Higher-Income Families
It's commonly believed that recessions impact lower-income families more than higher-income families. However, a recent study by economists at Northwestern University found that the relative income loss during recessions for the top 10% of the population is 26% greater than the average household, while it is double the average household for the top 1% of the population. (Source: Newsweek, July 20, 2009)
 [FULL ARTICLE]
 
Review Your Estate Plan
Between the fluctuating stock market and declining home values, the value of your assets has probably changed dramatically over the past couple of years. Thus, you should probably take a look at your estate plan, considering the following.
 [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