Broker Check

Newsletters

Tuesday, September 8, 2020

Click on the link to read the September 2020 Newsletter: FSPI SEPTEMBER 2020 NEWSLETTER

Thursday, August 20, 2020

Click on the link to read the August 2020 Newsletter: FSPI AUGUST 2020 NEWSLETTER

Wednesday, July 22, 2020

Click on the link to read the July 2020 Newsletter: FSPI JULY 2020 NEWSLETTER

Thursday, April 2, 2020

Click on the link to read the April 2020 Cares Act Client Letter: FSPI CARES ACT CLIENT LETTER

Thursday, March 19, 2020

A LOOK AT DIVERSIFICATION Ancient Chinese merchants were said to have developed a unique way to manage their risk. They would divide their shipments among several different vessels. That way, if one ship were to sink or be attacked by...

Show All

Thursday, March 12, 2020

Click on the link to read the March 2020 Newsletter: FSPI March 2020 Newsletter

Tuesday, March 10, 2020

VALUE VS. GROWTH INVESTING Looking at their recent track records doesn’t do much to settle the debate. Over the past decade, as a whole, value stocks have not performed as well as growth stocks.1 But looking at a larger body of...

Wednesday, March 4, 2020

Disability and Your Finances The Social Security Disability Insurance program paid out $143.7 billion in benefits in 2018. And with new applicants each year, the system is expected to exhaust its reserves at the end of 2034 if changes...

Friday, February 28, 2020

A LOOK AT WHOLE LIFE INSURANCE Whole life insurance is designed to remain in force for your whole life, as long as you remain current with your premiums. In exchange for fixed premiums, the insurance company promises to pay a set...

Friday, February 21, 2020

TO CATCH A THIEF Many Americans have taken steps in recent years to protect their identity. However, according to one report, published in 2018, identity theft is at an all-time high, affecting an estimated 16.7 million U.S. adults....

Thursday, February 13, 2020

Click on the link to read the February 2020 Newsletter: FSPI February 2020 Newsletter

Wednesday, February 12, 2020

Eight Mistakes That Can Upend Your Retirement Pursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight big mistakes to steer clear of, if possible. No Strategy: Yes,...

Thursday, February 6, 2020

ASSET ALLOCATION If you live in or have visited a big city, you’ve probably run into street vendors – people who sell everything from hot dogs to umbrellas in carts – on the streets and sidewalks. Many of these...

Friday, January 31, 2020

What to Look for in Personal Finance Apps Mobile applications have become ubiquitous. While many of these apps are games and social media platforms, an increasing number have been developed to help individuals with their personal...

Thursday, January 23, 2020

What Is an Annuity? Tip: Still Selling Strong. In 2017, investors purchased $192.1 billion in annuity contracts. Most of this capital—$108 billion—went into fixed annuities.Source: LIMRA, 2018 Individuals hold about $2.2...

Friday, January 17, 2020

Catch-Up Contributions A recent survey found that 23% of people were very confident about having enough money to live comfortably through their retirement years. At the same time, 33% were not confident.1 Congress in 2001 passed a law...

Wednesday, January 15, 2020

YEAR-END CHARITABLE GIFTING AND YOU Are you making charitable donations at year’s end? If so, you should know about some of the financial “fine print” involved, as the right moves could potentially bring more of a...

Friday, January 10, 2020

Orchestrating Your Retirement Accounts An orchestra is merely a collection of instruments, each creating a unique sound. It is only when a conductor leads them that they produce the beautiful music imagined by the composer. The same...

Wednesday, January 8, 2020

Click on the link to read the January 2020 Newsletter: FSPI January 2020 Newsletter

Tuesday, January 7, 2020

What Do Your Taxes Pay For? Taxes are one of the biggest budget items for most taxpayers, yet many have no idea what they’re getting for their money. In 2017, as in recent years, Americans spent more on taxes than on groceries,...

Monday, December 30, 2019

Understanding Marginal Income Tax Brackets By any measure, the tax code is huge. It is almost 75,000 pages long, with footnotes.1 And each Monday, the Internal Revenue Service publishes a 20- to 50-page bulletin about various aspects...

Tuesday, December 24, 2019

Signs You Might Have a Credit Problem American households with credit card balances carry an average debt of $8,602.1 The wise use of credit is a critical skill in today’s world. Used unwisely, credit can rapidly turn from a...

Thursday, December 19, 2019

THE LOWDOWN ON THOSE FREE CREDIT SCORES The Fair and Accurate Credit Transaction Act of 2003 provided individuals with valuable rights to the credit information that companies keep on them, but did you know the credit score provided...

Tuesday, December 17, 2019

Healthcare Costs in Retirement Tip: Medicare beneficiaries spent an average of $5,503 out of pocket on healthcare in 2013, the most recent year for which figures are available. That includes premiums and costs for things like dental...

Tuesday, December 17, 2019

Click on the link to read the December 2019 Newsletter: FSPI December 2019 Newsletter

Thursday, December 12, 2019

SPOTTING CREDIT TROUBLE Fast Fact: Credit Inquiries. Your FICO score won’t drop by much when you apply for new credit. But if you apply for several new credit cards over a short period, your credit report will reflect the...

Tuesday, December 10, 2019

Budget Check Up: Tax Time Is the Right Time Tip: Be careful with cash. Cash purchases don’t show up on monthly statements, making them more difficult to track. Consider keeping receipts for all cash purchases. Every year, about...

Thursday, December 5, 2019

Retirement Traps to Avoid

Wednesday, December 4, 2019

WHAT IS A 1035 EXCHANGE? Tip: Long-Term Coverage. 1035 exchanges can be used to exchange a life insurance policy, modified endowment contract, or an annuity contract for a long-term care policy. That means that an old life insurance...

Tuesday, November 26, 2019

Financial Aid for Students 101 Preparing for college while still in high school can be difficult for even the most academically minded student. These days, you need to excel in the classroom, make sure you’re involved in...

Monday, November 25, 2019

A Primer on Dividends Tip: Dividend Dates. There are four important dates for dividends:Declaration Date: The company announces when it will pay a dividend and how much the dividend will be worth.Ex-Dividend Date: Shareholders of...

Wednesday, November 20, 2019

A House Divided The latest research suggests that divorce rates in the U.S. have been falling in recent decades. Still, many people face the difficult crossroads that comes when their marriage ends.1 Getting a divorce is a painful,...

Tuesday, November 12, 2019

A Decision Not Made Is Still a Decision Whether through inertia or trepidation, investors who put off important investment decisions might consider the admonition offered by motivational speaker Brian Tracy, “Almost any decision...

Monday, November 11, 2019

Click on the link to read the November 2019 Newsletter: FSPI November 2019 Newsletter

Thursday, November 7, 2019

Planning for the Expected Perhaps Bette Davis said it best when she observed, “Old age is no place for sissies.”¹ The challenges seniors have met throughout their lives have made them wiser and stronger, preparing them...

Tuesday, November 5, 2019

INFLATION & YOUR MONEY “If the current annual inflation rate is only 2.2%, why do my bills seem like they're 10% higher than last year?” Many of us ask ourselves that question, and it illustrates the importance of...

Thursday, October 31, 2019

Six Most Overlooked Tax Deductions Who among us wants to pay the IRS more taxes than we have to?¹ While few may raise their hands, Americans regularly overpay because they fail to take tax deductions for which they are eligible....

Tuesday, October 29, 2019

A Primer on Dividends Tip: Dividend Dates. There are four important dates for dividends:Declaration Date: The company announces when it will pay a dividend and how much the dividend will be worth.Ex-Dividend Date: Shareholders of...

Thursday, October 24, 2019

Best-Performing Asset Classes According to Yale University's Crash Confidence Index, only about 27% of investors are confident the stock market will not crash sometime during the next six months.1 But if fear leads investors to avoid...

Tuesday, October 22, 2019

A TAXING STORY: CAPITAL GAINS AND LOSSES Chris Rock once remarked, “You don’t pay taxes – they take taxes.”1 That applies not only to income, but also to capital gains. Capital gains result when an individual...

Friday, October 18, 2019

Click on the link to read the October 2019 Newsletter: FSPI October 2019 Newsletter

Tuesday, October 15, 2019

Where Will Your Retirement Money Come From? For many people, retirement income may come from a variety of sources. Here’s a quick review of the six main sources: Social Security Social Security is the government-administered...

Wednesday, October 9, 2019

Click on the link to read the October 2019 Newsletter: FSPI October 2019 Newsletter

Tuesday, October 8, 2019

Where Will Your Retirement Money Come From? For many people, retirement income may come from a variety of sources. Here’s a quick review of the six main sources: Social Security Social Security is the government-administered...

Thursday, October 3, 2019

Variable Universal Life Insurance Variable universal life insurance is permanent life insurance—it remains in force for the policyholder's whole life. And, as with universal life insurance, it provides a flexible premium and an...

Monday, September 30, 2019

What Is a Stretch IRA? The Investment Company Institute reports that there is roughly $9.3 trillion in Individual Retirement Accounts (IRA).1 To help put that in perspective, that’s nearly half the annual gross domestic product...

Thursday, September 26, 2019

Trends in Charitable Giving According to Giving USA 2018, Americans gave an estimated $410.02 billion to charity in 2017. That’s the highest total in more than 60 years since the report was first published, and also, first-time...

Tuesday, September 24, 2019

Click on the link to read the September 2019 Newsletter: FSPI September 2019 Newsletter

Tuesday, September 24, 2019

Best-Performing Asset Classes According to Yale University's Crash Confidence Index, only about 27% of investors are confident the stock market will not crash sometime during the next six months.1 But if fear leads investors to avoid...

Thursday, September 19, 2019

Retirement Income and the Traditional Portfolio Taking withdrawals from a traditional portfolio exposes fixed-income investors to “sequence of returns” danger. In other words, experiencing negative returns early in...

Wednesday, September 18, 2019

A Taxing Story: Capital Gains and Losses Chris Rock once remarked, “You don’t pay taxes – they take taxes.”1 That applies not only to income, but also to capital gains. Capital gains result when an individual...

Thursday, September 12, 2019

SPLIT ANNUITY STRATEGY Tip: Annuity sales reached nearly $192 billion in 2017, which is roughly equal to the GDP of New Zealand.Source: Insured Retirement Institute, April 17, 2018; The World Bank, 2017 When financial markets turn...

Tuesday, September 10, 2019

The Anatomy of an Index Did you know that more than $7.8 trillion in assets are benchmarked to the Standard & Poor’s 500 Composite Index, including $2.2 trillion in index assets?¹ The S&P 500 is ubiquitous—we see it on...

Thursday, September 5, 2019

The Business Cycle What has upswings and downturns, troughs, peaks, and plateaus? Though such terms could easily describe a roller coaster ride, in fact they are commonly used to refer to something known as the business cycle. The...

Tuesday, September 3, 2019

PUTTING A PRICE TAG ON YOUR HEALTH We hear over and over again how important it is to maintain a healthy lifestyle. But being healthy for its own sake isn’t easy — especially when you’re facing down temptation or...

Thursday, August 29, 2019

Does Your Portfolio Fit Your Retirement Lifestyle? Most portfolios are constructed based on an individual's investment objective, risk tolerance, and time horizon. Using these inputs and sophisticated portfolio-optimization...

Tuesday, August 27, 2019

The Investment Risk No One’s Ever Heard Of Knowledgeable investors are aware that investing in the capital markets presents any number of risks—interest-rate risk, company risk, and market risk. Risk is an inseparable...

Thursday, August 22, 2019

Assess Life Insurance Needs If your family relies on your income, it’s critical to consider having enough life insurance to provide for them after you pass away. But too often, life insurance is an overlooked aspect of personal...

Wednesday, August 21, 2019

Click on the link to read the August 2019 Qualified Retirement Plan Newsletter: FSPI August 2019 QRP Newsletter

Tuesday, August 20, 2019

How Stocks Work

Thursday, August 15, 2019

Rebalancing Your Portfolio Tip: Rebalancing Schedule. When to rebalance? There is no set rule. Some rebalance when their portfolio’s allocation is off by a specific percentage — say 5%. Others may be comfortable setting the...

Tuesday, August 13, 2019

Estimating the Cost of College Tip: Public Costs. Average in–state tuition and fees for public four-year institutions was $9,970 for the 2017-2018 school year. Out-of-state tuition for these same institutions averaged $25,620...

Monday, August 12, 2019

GLOBAL VS. INTERNATIONAL: WHAT’S THE DIFFERENCE? With international stock markets comprising nearly two-thirds of the world’s capitalization, a broad range of investment opportunities exist outside the borders of the U.S...

Thursday, August 8, 2019

Click on the link to read the August 2019 Newsletter: FSPI August 2019 Newsletter

Tuesday, August 6, 2019

Why You Need an Estate Strategy

Tuesday, August 6, 2019

Why You Need an Estate Strategy

Tuesday, July 30, 2019

9 Facts About Retirement Tip: Nearly 70% of workers expect to work for pay in retirement, but only 26% of retirees actually have done so. Source: 2018 Retirement Confidence Survey, EBRI Retirement can have many meanings. For some, it...

Thursday, July 25, 2019

Pay Yourself First Each month you settle down to pay bills. You pay your mortgage lender. You pay the electric company. You pay the trash collector. But do you pay yourself? One of the most basic tenets of sound investing involves the...

Tuesday, July 23, 2019

Types of Stock Market Analysis There is no shortage of analysis for anyone interested in investing. A search for the term “stock market analysis” turned up 585 million results on Google and well over 55 million Yahoo.¹...

Thursday, July 18, 2019

THE COST OF PROCRASTINATION Tip: Don’t Put it Off. Putting off an easy thing makes it hard. Putting off a hard thing makes it impossible.-George Claude Lorimer Some of us share a common experience. You’re driving along...

Tuesday, July 16, 2019

Should You Choose a Fixed or Variable? Buying a home is the single-largest financial commitment most people ever make. And sorting through mortgages involves a lot of critical choices. One of these is choosing between a fixed- or...

Thursday, July 11, 2019

Click on the link to read the July 2019 Newsletter FSPI July 2019 Newsletter

Tuesday, July 9, 2019

MONTHLY MARKET REPORT JUNE 2019 US MARKETS The stock market rode a wave of optimism this month, thanks to continued belief in a potential interest rate cut by the Federal Reserve and the lesenging U.S.- China trade tensions. The Dow...

Thursday, June 27, 2019

Four Really Good Reasons to Invest Forty-six percent of Americans do not own any stocks or stock-related investments, such as mutual funds, according to a recent Gallup poll.¹ Individuals may cite different reasons for not...

Tuesday, June 25, 2019

How the Federal Reserve Works Tip: Checks. Due to the onslaught of electronic check collection, the Federal Reserve now processes paper checks at just one location nationwide, down from 45 locations in 2003. Source: Board of Governors...

Tuesday, June 11, 2019

Click on the link to read the June Newsletter: FSPI June 2019 Newsletter

Thursday, May 9, 2019

Click on the link to read our May Newsletter: Financial Solutions Planning & Investments May 2019 Newsletter

Saturday, May 4, 2019

Click on the link to read our April 401k Newsletter: Financial Solutions Planning and Investments 401K Newsletter: April 2019

Saturday, April 6, 2019

Click the link to read our April Newsletter: FSPI April Newsletter

Friday, March 8, 2019

Click the link to read our March Newsletter: Financial Solutions Planning & Investments March Newsletter

Friday, February 8, 2019

Click on the link to view the FSPI February 2019 Newsletter

Friday, February 1, 2019

Click the think to read the Weekly Vantage Point

Friday, January 25, 2019

Click the link to read the : January 401k Newsletter

Friday, January 18, 2019

Click on the link to read the Weekly Vantage Point

Wednesday, January 16, 2019

Click on the link to read our January Newsletter: January Newsletter

Tuesday, January 8, 2019

Click the link to go to the article: Weekly Vantage Point

Wednesday, January 2, 2019

Click on the title to read the article: Wall Street Trims December Losses

Wednesday, December 19, 2018

Click the link to go to the article: Stocks End Week in Correction

Friday, December 7, 2018

Please Click the following link to read the December 2018 Newsletter> Newsletter

Thursday, December 6, 2018

Latest Article looking at Market Volatility. 12/4/2018 Click the following link to see the article Markets Sell Off as Investors Become More Jittery

Monday, November 26, 2018

Click on the web link below to view the Cetera Article with respect to the recent market volatility. Cetera Sightline 11.20.2018 If you have further questions or concerns, feel free to contact us.

Friday, November 2, 2018

Please click the provided link to enjoy our November Newsletter > November 2018 Newsletter

Friday, October 19, 2018

Click on the link to enjoy FSPI's October 2018 401K Newsletter: October 2018 401K Newsletter

Friday, October 5, 2018

FSPI October 2018 NewsletterPlease click the provided link to enjoy our October Newsletter >

Friday, September 7, 2018

Please click the provided link to enjoy our September Newsletter >

Tuesday, August 7, 2018

Please click the provided link to enjoy our August Newsletter >>>August 2018 Newsletter

Thursday, July 12, 2018

Please click the provided link to enjoy our June Newsletter >>>July 2018 Newsletter

Wednesday, June 6, 2018

Please click the provided link to enjoy our June Newsletter >>>June 2018

Friday, May 4, 2018

Please click the provided link to enjoy our May Newsletter >>> May 2018

Wednesday, April 18, 2018

Please click the provided link to view our Spring 401k Newsletter >>> Spring 2018 401k

Friday, April 6, 2018

Please click the provided link to enjoy our April Newsletter >>> April 2018

Wednesday, March 7, 2018

Please click the provided link to enjoy our March Newsletter >>> March 2018

Wednesday, February 7, 2018

Please click the provided link to enjoy our February Newsletter >>> February 2018

Wednesday, January 24, 2018

Please click the provided link to view our Winter 2018 401k Newsletter >> Winter 2018 401k Newsletter

Friday, January 19, 2018

Please click the provided link to enjoy our January Newsletter >>>January 2018

Thursday, December 7, 2017

Please click the provided link to enjoy our December Newsletter >>> December 2017

Monday, November 6, 2017

Please click the provided link to enjoy our November Newsletter >>> November 2017

Tuesday, October 10, 2017

Please click the provided link to view our Fall 2017 401k Newsletter >>FSPI Fall 2017 Quarterly Newsletter

Friday, October 6, 2017

Please click the provided link to enjoy our October Newsletter >> October 2017

Friday, September 8, 2017

Please click the provided link to enjoy our September Newsletter >>September 2017

Monday, August 7, 2017

Please click the provided link to enjoy >>> FSPI August Newsletter

Monday, July 17, 2017

Click the link here to see our >>>>>>July 2017 Market Commentary

Friday, June 23, 2017

9 Facts About Retirement Tip: Nearly 80% of workers expect to work for pay in retirement, but only 29% of retirees actually have done so. Source: 2017 Retirement Confidence Survey, EBRI Retirement can have many meanings. For some, it...

Thursday, June 1, 2017

Perhaps your financial picture is very sound. You think it is unlikely you will run out of money. If you are in this situation, you may want to consider how to pass more tax effective assets to the next generation or even the one...

Friday, May 26, 2017

//

Friday, May 12, 2017

How the gains from the sale of a primary residence are taxed has changed in recent years. If you have recently sold your home, or are considering doing so, you may want to be aware of these new rules. HOME SALE If you owned and lived...

Friday, May 5, 2017

Please see the below link for our May 2017 Commentary: May 2017 Commentary

Tuesday, May 2, 2017

Of those aged 65 and older, 10 to 20 percent have mild cognitive impairment. In addition, women have more than a 1 in 6 chance — and men have a 1 in 11 chance — of developing Alzheimer’s during the remainder of their...

Wednesday, April 12, 2017

Please feel free to view our market commentary for April 2017: April 2017 Market Commentary

Tuesday, April 11, 2017

401k Insights - Quarterly Newsletter The winter thaw is in full swing, taxes are due on April 18th, and we find ourselves in a year of possible Federal Reserve Board (FED) Interest rate increases. While springtime isn’t...

Sunday, April 2, 2017

What Is a Stretch IRA? Tip: What’s in a Name? If you fail to name a beneficiary on your IRA, it may be much more difficult for your beneficiaries to ‘stretch’ the inherited IRA over their lifetimes. The Investment...

Sunday, March 19, 2017

How diversification helps and hurts your investment returns My colleagues and I are often asked a question along the following lines: Why didn’t my account do as well as the S&P 500 or the DOW? The S&P includes 500 major US...

Sunday, March 5, 2017

What we can learn from market history NOTE: The following information is by no means intended as predictive. According to Kiplinger newsletters, a US large cap (S&P 500) market decline of 10-20% occurs on average about once per year as...

Wednesday, February 22, 2017

January 2017 Newsletter This newsletter covers a number of topics, some of which may be important to you. Please call us if you have any questions. How diversification helps and hurts your investment returns We are often asked a...

Tuesday, May 19, 2015

May 2015 - The “robo” world includes portfolio models often at low pricing such as .25% per year. A low cost portfolio allocation may fit many situations. However, financial issues interlace with your investments and may require an...