Brought to you compliments of Caroline Girgis, JD, and Dwayne Grady, MBA, ChFC®
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March 2010
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Saturday, February 4, 2012
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New Loctation
Cornerstone Wealth Strategies Group is moving our offices. Effective April 12, 2010, our new address will be:
6550 Rock Spring Drive
Suite 400
Bethesda, MD 20817
Our phone numbers will remain the same –
301-493-6767 (phone)
800-959-5548 (toll free)
301-493-7770 (fax)
For those of you who may need last minute tax information, etc., please send your questions to our Team as soon as possible so that we can assist you as efficiently as possible.
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Revisit Your Asset Allocation
No one enjoys the recent market fluctuations.
But if these fluctuations have caused you extreme discomfort,
then it's probably time to reassess your asset allocation. To
do so, follow these steps...
[FULL ARTICLE]
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Is 10% Enough?
A common rule of thumb when planning for
retirement is to save 10% of your gross income during your working
years. Since this rule of thumb has been around for a long time,
it's logical to question whether it's still an appropriate guideline.
Several trends suggest that it is probably on the low side.
[FULL ARTICLE]
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Caught in the Middle
At a time when baby boomer couples should
be saving for their own retirements, many feel squeezed by competing
financial needs. Having started families later than past generations,
their children may just now be entering college or still living
at home. At the same time, aging parents may need financial assistance.
It is a dilemma that is likely to become more common.
[FULL ARTICLE]
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The Problem with Average Returns
When setting up an investment program, the
assumed rate of return is typically an average return for some
historical period. While that is generally viewed as a conservative
approach, there are some problems with using an average return.
[FULL ARTICLE]
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Time to Reassess Your Risk Tolerance
Typically, before deciding how much to allocate
to different investment categories, you answer several questions
about your tolerance for risk. While it can be difficult to judge
how you will react to different scenarios, the recent stock market
fluctuations have provided a real-world test of theoretical answers.
[FULL ARTICLE]
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Dwayne Grady, MBA, ChFC®, and Caroline Girgis, JD, through Cornerstone Wealth Strategies Group, are committed to providing the finest service and investment advice to their clients. Both Dwayne and Caroline specialize in serving the needs of high-net-worth individuals, successful professionals, business owners, and retirees.
Both Dwayne and Caroline hold advanced degrees and designations and are highly knowledgeable in the areas of tax-advantaged investing, retirement planning, financial planning, and professional money management.
Successful management of your finances today is the key to the lifestyle that you and your family will enjoy-or endure-tomorrow. They would be happy to assist you with any of your financial needs.
Feel free to contact us via e-mail at
info@cwsg1.com
or visit our Web site
www.cornerstone500.com
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Copyright © 2010 Integrated Concepts Group, Inc.. All rights reserved.
Some information provided in this newsletter was 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.
This Newsletter is for informational purposes only and is not a solicitation or an offer to buy or sell any company. United Capital Financial Advisers, Inc. (UCFA) provides advice and makes recommendations based on the specific needs and circumstances of each client. For clients with managed accounts, UCFA has discretionary authority and makes investment decisions based on the specific needs and circumstances of each client. Investing involves risks and clients should carefully consider their own investment objectives and never rely on any single chart, graph or marketing piece to make decisions. UCFA does not offer tax advice. Please consult your tax advisor for more information about your individual situation.
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TELL A FRIEND
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