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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. |
Skilled Nursing Facility Care
The "100 Days" Mirage |
 Skilled Nursing Facility (SNF) Care is health care provided by skilled nurses and therapy staff to treat, manage, observe, and evaluate care. Medicare and Medicare Advantage plans cover care in a SNF for up to 100 days if you continue to meet the care requirements, but this big "if' is often both misunderstood and misinterpreted. Medicare and Medicare Advantage plans only cover certain services that are needed daily. Once a patient does not exhibit measurable improvement and hits a plateau, skilled care will end. While Medicare will cover 100 days of SNF care, however those days are available, NOT guaranteed...
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America Saves Week 
From February 26th to March 3rd, RTD is
participating in America Saves Week.
America Saves Week provides organizations the opportunity to promote good savings behavior and a chance for individuals to assess the efficiency of their own savings.
Join @RTDFinancial to participate in the conversation using #ASW18!
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The IRS Urges Taxpayers to Watch for Erroneous Refunds
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The Internal Revenue Service is warning taxpayers of a growing scam involving erroneous tax refunds being deposited into their bank accounts. The IRS offers a step-by-step guide to returning the funds safely. Click here to access more information.
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RTD Celebrates the Eagles Super Bowl Win!
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Our Philadelphia office celebrated with a pregame tailgate party.
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Our Cherry Hill office was decked out in midnight green.
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Retirement Plan Sponsors: Do You Know Where Your Participants Are?
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Keeping track of former employees or beneficiaries entitled to retirement benefits creates administrative hassles; LOSING track of them creates liability. They are entitled to receive many of the disclosure notices that must be provided to actively employed participants. Penalties can be stiff for failing to provide the required notices. Plan Administrators must also process required minimum distributions to terminated participants following their attainment of age 70½, or death.
To avoid or mitigate costly penalties for non-compliance with disclosure and distribution requirements, Plan Administrators should routinely review plan records and make diligent attempts to locate missing participants. The Department of Labor and the Internal Revenue Service have outlined steps they expect to be taken to locate missing participants.
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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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