Financial Topics Newsletter
Brought to you compliments of Steven Stanganelli, CRPC® CFP®

March 2010   Thursday, March 18, 2010
Inflation? Deflation? Lessons from the Three Little Pigs
How A Bedtime Story Helps Explain Ways to Be Safe From the Big Bad Wolf
by Steve Stanganelli, CFP ®, CRPC ®

Just as the roots of a recovery from the Great Recession are becoming more evident, there's another threat on the horizon.

First, there's been talk of the threat of inflation. But an equally troubling threat from deflation is also worrying.

What does a child's bedtime story and your portfolio have in common? Let's take a look at how best to position yourself to protect your wealth and prepare for both.


[FULL STORY]
 

Making the Most of the Plastic in Your Pocket
New Credit Card Rules Can Burn a Hole in Your Budget
by Steve Stanganelli, CFP ®, CRPC ®

Can't live with them. Can't live without them. No, it's not your spouse. It's the plastic in your wallet.

Now with recent legislative changes resulting from the Credt CARD Act of 2009 having taken effect in February, it's time to reassess and make the most of them while avoiding any nasty bites from behind.


[FULL STORY]
 

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]
 
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]
 
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]
 
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]
 
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]
 

My highest priority is getting you where you want to be. I work with my clients providing them with the compass and road map to help them get where they need to go and where they want to be. For more than 20 years I have been coaching individuals on ways to improve and protect their personal bottom line. I am never too busy to help you or someone you know and care about. Regardless of the size of your portfolio, I'm here to help guide you through the many challenges of life's transitions so you can stay on course for financial success.

About Steve

Steve Stanganelli is a five-star rated, board-certified financial planning professional. His practice encompasses retirement income planning, investment management, divorce settlement analysis and college funding strategies. He is a published author and regularly presents on these topics to businesses, civic groups and community organizations.

Steve works with a variety of individuals and families with a special focus on Baby Boomer pre-retirees.

Steve earned his Master of Science degree in Finance (MSF) from Bentley College with high distinction. He is also an honors graduate of the University of Massachusetts - Lowell. Steve holds the designations of CERTIFIED FINANCIAL PLANNER(tm) and CHARTERED RETIREMENT PLANNING COUNSELOR(tm).

About Quest

Quest is an independent fee-for-service Registered Investment Advisor formed in 1996 by Bob Dubee, CPA/PFS, CFP®. The team at Quest provides objective personal financial planning advice on a flat fee or hourly fee basis as well as risk-controlled investment management for personal portfolios.

Feel free to contact me or Bob via e-mail at
steve@questfsi.com

rdubee@questfsi.com

or visit our Web site
www.questfsi.com
or blog
www.moneylinkpro.wordpresscom
 

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Copyright © 2010 Quest Financial Services, 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.
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