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| With unrelenting passion, RTD's mission is to help our clients achieve financial freedom so they may experience balanced and fulfilling lives. We do this through a process called Financial Life Planning™, planning that is shaped by your dreams. |
| Thirty Five Years and Counting |
I am thrilled to announce that we'll be celebrating our 35th Anniversary in 2018! This calls for celebration, but also forward thinking, as our greatest accomplishments still lie ahead.
When our company was founded in 1983, we could hardly imagine our growth to a nationally recognized financial planning firm, with three service offerings, seven offices and thirty-seven employees. Much has transpired in these three and a half decades.
In the early years, we made the (at the time - controversial) switch to transparent fee-only pricing, in contrast to our peers charging investment commissions. We later led the profession in its application of Financial Life Planning, identifying our clients' core values and goals in order to merge their money with their life. Recently, we've grown through the acquisition of like-minded, planning-oriented firms, and have aggressively hired top talent from financial planning programs and organizations throughout the country. Additionally, our Retirement Plan Department continues to flourish and has been named as one of the top plan advisors by several national publications, recognizing our fiduciary approach and commitment to ongoing participant education.
Looking forward, we plan to continue our strategic growth, leveraging our 35 years of experience with today's tools and technology. This year, we will be launching an enhanced investment management platform, which will provide clients with a more robust, interactive experience including on demand reports and customizable user preferences.
The success we've experienced is a testament to so many amazing people; from our dedicated employees, trusted professional partners, and most of all, our loyal clients. I would like to take this opportunity to thank you for helping us succeed, and invite you to join us in celebration of this milestone. Without you, none of this would ever be possible.
Keep an eye out for additional announcements and activities related to this momentous occasion!
Sincerely,
Richard J. Busillo, CFP®, AIF®, RPA
Chairman & CEO
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But I'm Perfectly Healthy!
Do you have a "superman" complex, and think you'll never get hurt or sick? Maybe you plan on getting your estate in order when you're older; after all, you're young and healthy! Did you know that the three largest legal battles regarding health care issues involved women under the age of 30 - Nancy Cruzan, Karen Ann Quinlan, Terri Schiavo? The families of these women endured disagreements over the use of life-sustaining treatment. With proper estate planning, these complicated issues could have been avoided...
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Skye and Jess visit our West Chester Office!
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Prior to the cap on SALT deductions, six states-California, New York, New Jersey,
Illinois, Texas, and Pennsylvania- claimed more than half the value of the deduction.
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The Tax Cuts and Jobs Act is bringing changes to 529 Plans. The t
ax bill would allow 529 plans to be used for up to $10,000 per year in K-12 tuition expenses, giving more families an opportunity to save tax-free for private and religious schools. While funds utilized prior to college may experience less tax free growth, you may still receive the benefit of a state tax deduction for your contributions. Click
here to learn more.
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Maximizing Retirement Plan Contributions
for the Sole Proprietor |
Are you the sole owner and employee of a business? Do you want to maximize tax-deductible retirement savings? You may be eligible for a one-participant retirement plan, which covers an owner, or an owner and spouse, in a business with no other employees. As such the plan is not subject to discrimination testing and has limited reporting requirements that make the plan very cost effective. Click here to read more.
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Atlanta Office
Two Ravinia Dr., Suite 1360
Atlanta, GA 30346
Johnstown Office
1 Pasquerilla Plaza,
Suite 127
Johnstown, PA 15901
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Headquarters
30 S. 17th St., Suite 1620
Philadelphia, PA 19103
Bala Cynwyd Office
Two Bala Plaza, Suite 300
Bala Cynwyd, PA 19004
Bonita Springs Office
27499 Riverview Center Blvd.,
Suite 421
Bonita Springs, FL 34134
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West Chester Office
121 N. Walnut St.,
Suite 190
West Chester, PA 19380
Cherry Hill Office
1820 Chapel Avenue, Suite 160
Cherry Hill, NJ 08002
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RTD Financial Advisors, Inc. is a registered investment advisor with the SEC. The information presented here is for educational purposes only and is not intended to be a recommendation to choose an investment or investment strategy based on the contents of this newsletter.
All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals may materially alter the performance and results of your portfolio. Past performance may not be indicative of future results. Therefore, no current or prospective participant should assume that the future performance of any specific investment, investment strategy or product made reference to directly or indirectly, will be profitable or equal to past performance levels. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client's investment portfolio. Historical performance results for investment indexes and/or categories, generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-advisor fee, the incurrence of which would have the effect of decreasing historical performance results. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark. If there is any doubt over the appropriateness of a particular investment then you should seek independent advice. Tax treatment depends on the individual circumstances of each investor and may be subject to change in the future. Each person should seek independent advice from professionals based on his or her individual circumstances.
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