Tools to enhance your financial journey.
Resources serve as valuable tools for addressing important financial matters. We've included informative newsletters, handy calculators and links of interest – to help you with your financial life.
NFS Newsletter
My personal newsletter for my clients. The articles are chosen based on issues that my clients are currently facing, or may face in the future. I usually write the first article myself.
- 2019 Fall Newsletter
- 2019 Spring Newsletter
- Year End 2018
- 2018 Fall Newsletter
- 2018 Spring Newsletter
- Year End 2017
- 2017 Summer Newsletter
- 2017 Spring Newsletter
- 2017 Winter Newsletter
- 2016 Fall Newsletter
- 2016 Spring Newsletter
- Year End 2015
- 2015 Spring Newsletter
- Year End 2014
- 2014 Summer Newsletter
- 2014 Spring Newsletter
- Year End 2013
- 2013 Summer Newsletter
- 2013 Winter/Spring Newsletter
- 2012 Summer/Fall Newsletter
- 2012 Spring Newsletter
- 2011 Fall Newsletter
- 2011 Spring Newsletter
- 2010 Fall/Winter Newsletter
- 2010 Summer Newsletter
- 2009 Winter/Spring Newsletter
- 2009 Summer/Fall Newsletter
- 2008 Winter Newsletter
- 2008 Fall Newsletter
- 2008 Summer Newsletter
- 2008 Spring Newsletter
Newsletters from Raymond James
- Financial Journeys (updated Feb, May, Aug, Nov)
This four-page publication tackles various financial planning issues, with a focus on retirement planning. - Small Business Dimensions (updated Feb, May, Aug, Nov)
This four-page publication is designed to help entrepreneurs and small business owners. The focus of articles includes: company management, financing issues and other timely issues impacting small businesses. - Successful Women (updated Feb, May, Aug, Nov)
This four-page publication can be a benefit to working women. The focus of articles includes: financial planning concerns, family issues and other timely issues impacting women.
Third Party Insights
These are pieces that we have sent to clients that we thought would be educational and of interest to them. This section will be updated on an ongoing basis.
- Outlook Mid Year June 2019
- Outlook January 2019
- Outlook July 2018
- Outlook January 2018
- Outlook July 2017
- Outlook April 2017
- Outlook January 2017
- The Long View April 2018
- The Long View October 2016
- The Long View July 2016
- The Long View April 2016
- The Long View January 2016
- The Long View October 2015
- The Long View July 2015
- The Long View April 2015
- The Long View January 2015
- The Long View October 2014
- The Long View July 2014
- The Long View April 2014
- The Long View October 2013
The information contained in these reports does not purport to be a complete description of the securities, markets, or developments referred to in this material. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Past performance may not be indicative offoture results. There is no guarantee that trends will continue in the future. Investing involves risk, and there is no assurance that any strategy will ultimately be successful or profitable nor protect against a loss.
Personal Finance
- Glossary
- 2019 Key Numbers
If you want to know what your tax bracket is, what your maximum contribution to your retirement plan is, or how much you can gift this year, it is all in this piece. There is much more as well. - Financial Planning
Making day to day decisions is easier once you see the big picture. This article explains how financial planning can help you do so. - Teach Your children
Our schools are woefully inadequate when it comes to teaching our children about basic finance, saving and investing. It is up to you to prepare them for a sound financial future and this article can help get you started. - Pay Off Mortgage or Invest
This article aims to help you make this tough decision. - Protect Yourself Against Identity Theft
Identity theft is one of the fastest growing crimes on the planet. The best way to protect yourself is to be prepared, aware and proactive. - Recovering from Identity Theft
You've read about it, and you thought it would never happen to you.
Investment Concepts
- Asset Allocation Quilt Chart: Variability of Investment Returns
Why should you diversify your investments? Predicting the best place to have your money invested year to year is nearly impossible. This chart will show you the best to worst performing asset classes in each of the past 20 years. - The Impact of Inflation
If you are not sure if you should be investing, then you really need to read this article. As an advisor, I see this as probably the biggest risk my clients face: the risk of eroding buying power. - Investing Basics
Are you new to investing? This piece will give you some more knowledge to aid you in your decision making. - Comparing Bond Yields
This is an in depth look into fixed income instruments and how they compensate investors. - Growth vs. Value: What’s the Difference?
These are two very different ways of evaluating companies. Understanding the difference can make you a better investor. - Lump Sum vs. Dollar Cost Averaging
Is it better to invest all of your money at once, or spread it out over time? This article can help you make a more informed decision. - Holding Equities for the Long Term
As is often said, it's not timing the market that's key, but rather the amount of time you're in the market. This piece shares some wisdom from successful long-term stock investors.
College Planning & 529 Plans
- 529 Plans
Ever since being created by the Small Business Job Protection Act of 1996, 529 plans have become the premier vehicle for saving for college expenses. Read this article to learn why. - Financial Aid 101
Many parents pay for college with a combination of current income, savings, and financial aid. By learning the basics of financial aid, you'll be able to understand how the aid process works and compare the aid awards your child receives. - Financial Aid for College
Financial aid is more competitive and complex than ever. Knowing what to do and when may help you get the aid that you need. - Grandparents Helping Grandchildren
An article discussing ways grandparents can help grandchildren save for college. - Saving For College
An article about saving for college. - Invesco CollegeBound Fund 529 Plan
A web link to Invesco's fund about saving for college. - American Funds College America 529 Plan
A link to American Fund's college savings plans. - Student Guide to Financial Aid
A link to the SmartStudent guide to Financial Aid. - SavingForCollege.Com
Website offering resources, calculators and helpful information about planning for college expenses.
Retirement Planning
- Basic Retirement Planning
- IRAs
- Myths and facts about Social Security
- Retirement Income
- Social Security Retirement Income: a Primer
- Retirement Income: 401(k) and Other Employer-Sponsored Retirement Plans
- Changing Jobs? Know Your 401(k) Options
- 401(k) Help Center
- Social Security Administration
- Interactive Retirement Planner
Protection Planning
- Asset Protection
An article about laws, asset placement and insurance. - Five Things To Watch Out For - Long Term Care Insurance
You've researched long-term care insurance (LTCI) and are seriously thinking of buying a policy. Just make sure you're doing it for the right reasons--don't be swayed by unsubstantiated sales pitches. - Variable Annuities
An overview of these insurance based investment vehicles. - Protecting Your Loved Ones with Life Insurance
Life insurance allows you to leverage your assets and, more importantly, allows your family to replace your income if you were to die unexpectedly. - Why I Don’t Want to Buy Life Insurance
This is a discussion regarding some of the misconceptions about life insurance.
Small Business Owners
- Family Business Succession Planning
Transitioning your family business to your children or someone else can be complicated. This article explains some of your options. - Retirement Plans for Small Businesses
There are a number of different plans available and they are not "one size fits all." Read this article if you would like a better understanding of the plans available to your business.
Alternative Investments
- equinoxfunds.com/
- Beyond Traditional Asset Classes: Exploring Alternatives
An overview of your many options.
Mutual Fund Companies
- Alliance Bernstein Funds
- American Funds
- Davis Funds
- Eagle Asset Management
- Hartford Funds
- Invesco Funds
- Lord Abbett Funds
- MFS Funds
- Oppenheimer Funds
*Eagle Asset Management is an affialiate of Raymond James Financial Services, Inc.