Financial Topics Newsletter
 Brought to you compliments of Steven Stanganelli, CRPC® CFP®
July 2009   Thursday, September 9, 2010
How Much Can You Withdraw in Retirement?
How much to withdraw annually from your retirement assets is probably one of the most important decisions you'll make when you retire. Several factors need to be considered when calculating your withdrawal rate, including your life expectancy, expected long-term rate of return, expected inflation rate, and how much principal you want remaining at the end of your life.
 [FULL ARTICLE]
 
Inflation, Disinflation, and Deflation
It's been a long time since the words "deflation" and "the U.S. economy" have been used in the same sentence. But with the sharp decline in the prices of stocks, real estate, and commodities over the last year, we're hearing those words in the same sentence increasingly often.
 [FULL ARTICLE]
 
Reevaluate Your Life Insurance at Retirement
As retirement age approaches, it's usually a good time to reassess your life insurance policies to see if your needs have changed. With your children on their own and no earned income to replace, you may no longer need a large life insurance policy. Especially if your insurance premiums are high, you may be tempted to cancel the policy, take the cash surrender value, and enjoy retirement.
[FULL ARTICLE]
 
Buying When Prices Are Low
For some investors, a long or steep decline in the price of a stock is a signal to beware. For others, it's a temptation to pick up a bargain at a steep discount and make a handsome profit when the stock rebounds. In practice, it takes a lot of savvy to accomplish. Here are a few tips that help you know when and when not to buy.
 [FULL ARTICLE]
 
The Fundamental Investing Principle
The whole point of an investment program is to accumulate sufficient funds to meet your financial goals. So what is the most fundamental investment principle - selecting the proper investments, accumulating the correct combination of assets, timing the market to avoid corrections? Actually, the principle may not even sound like an investment principle at all.
 [FULL ARTICLE]
 

My highest priority is getting you where you want to be. If it's an important goal for you, then it's important to me to help get you there. Whether you need a road map for retirement investing or want an answer to a specific financial challenge, I am available.

My goal is to provide the peace of mind that comes with knowing you have entrusted your financial future to a team of experienced professionals that cares about making your dreams a reality - regardless of the size of your portfolio.

I work with retirees, busy professionals and growing families who are motivated to achieve financial success or need help with the challenges that result from a life changing event.

For more than 18 years I have been involved in helping individuals and organizations tackle complex financial issues through a progressive career in mortgage banking. For the last ten years I have focused my practice on all aspects of retirement and investment planning and have published articles on a variety of financial planning issues.

I am a CHARTERED RETIREMENT PLANNING COUNSELOR(sm) and CERTIFIED FINANCIAL PLANNER™ Professional. I earned a Master of Science degree in Finance from Bentley College and an undergraduate honors degree from the University of Massachusetts.

Based on my credentials, education, and fee only practices I also hold a five-star quality rating from the Paladin Registry, earned by fewer than 3% of planners in the country.

I am never too busy to help you or someone you know and care about.

Feel free to contact me via e-mail at
steve@focus-capital.com
or visit my Web site
www.focus-capital.com
 
SUBSCRIBE

Feel free to enter a friend’s e-mail address to receive a free copy of my newsletter. You can also remove your name from my mailing list by clicking the remove button.


Add a friend’s name
 Remove your name
 Send as HTML
  

ARCHIVE
June 2009
May 2009
April 2009
March 2009
February 2009
January 2009
December 2008
November 2008
October 2008
September 2008
Copyright © 2009 Focus Capital Wealth Management. 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. 		TELL A FRIEND