Issue #4 April 2017                                                                                                       
Skittles and more
 
Imagine eating the same thing every day for breakfast, lunch and dinner. (Sounds awful, unless you're a toddler.) Your diet is much like your portfolio - you need some variety. The "Skittles Chart" below shows the power of diversification and how having a balanced, globally-diversified portfolio can help you stay on track toward your goals. We talk a lot about taking a long-term view with investing, but how long is long term? While five years may seem like a long time in politics, sports and education, five years in the stock market is considered short-term investing as the article below details. We also look at how to protect your older parents or loved ones from financial fraud by having thoughtful conversations about safeguarding their assets.

Different asset classes may outperform one year and then not the next, illustrating the randomness of returns and the potential benefits of a globally-diversified portfolio.


The "Long Run" for Investing Is Longer Than You Think Your definition of "long term" may be vastly different than what financial experts think. Ensure your investing time horizon is realistic for your life goals.
March 2017  

Commonly Observed Holidays
Apr 10-18. Passover
Apr 14. Good Friday (markets closed)
April 16. Easter
 
Financial Dates & Observances
Apr 1. Last day of grace period  for first
IRA required minimum distribution
Apr 18. 2016 individual tax returns due
Apr 18. 2016 trust & estate returns due
Apr 18. 2016 C-Corp returns due (cal yr)
Apr 18. 1Q 2017 estimated taxes due
Apr 18. Last day to open IRA for 2016
Apr 18. Last day to contribute to Coverdell
Education Savings Account for 2016
Apr 18. Last day to contribute to IRA for 2016
Apr 18. Last day to contribute to profit sharing
plans for 2016 (unless extension filed)
Apr 18. Last day to contribute to HSAs for 2016
 
Cause Observances
Alcohol Awareness Month
Financial Literacy Month
Financial Capability Month (FINRA)
Keep America Beautiful Month
 
Apr 2. World Autism Awareness Day
Apr 3-7. Retirement Planning Week
Apr 9-15. Library Week
Apr 16-22. Health Care Decisions Week
Apr 22. Earth Day
Apr 22-29. Money Smart Week
Apr 24. Holocaust Remembrance Day
 
Business & Industry
Apr 6. Army Day
Apr 11. Library Workers Day
Apr 11. Be Kind to Lawyers Day
Apr 23-29. Administrative Professionals Week
Apr 30-May 6. Small Business Week
 
Special Observances
Car Care Month
Garden Month
Jazz Appreciation Month
Poetry Month
Decorating Month
 
Apr 1. April Fool's Day
Apr 1-3. NCAA Men's Final Four
Apr 3. Chocolate Mousse Day
Apr 6-9. The Masters Tournament
Apr 6. Student-Athlete Day
Apr 7. Beer Day
Apr 8. Zoo Lovers Day
Apr 15. World Art Day
Apr 17. Boston Marathon
Apr 18. Golf Day
Apr 19. Bicycle Day
Apr 20. Pot Smokers Day
Apr 20. D.A.R.E. Day
Apr 27. Tell a Story Day

In This Edition
Skittles and more...
Key Dates
Bill's book "It wasn't on my calendar."

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"It wasn't on my calendar. "
 

 


 Most people do not plan for a medical, mental or aging crisis for a parent-or themselves, and if such a crisis is not on your calendar, prepare now. None of us know what we don't know, and when a loved one's health and/or mind are failing, this is no time to have a crash-course in learning. 
 

  • Who do I turn to for advice? 
  • What kind of questions do I ask?
  • Do I plan a loved one's care for this immediate crisis-or make a plan that includes future needs as conditions worsen? 
  • How do I respond to the many needs: place to live (kinds of facilities), care (who provides and what kinds), costs (and how to pay them), and advisors (finding the right people to handle finances and elder planning).  
If you have more questions than answers, this first-hand guidebook, written by a CPA/ financial planner about his dad's situation, will provide answers. Now you will be able to deal with your own situation with more knowledge and focus.

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The information provided in this newsletter is educational in nature and is not intended to be construed as, legal, tax or investment advice and does not necessarily represent the views of the presenting party. Specific federal and state laws relevant to a particular situation may affect the applicability, accuracy or completeness of this information. Material presented is believed to be from reliable sources, but its accuracy is not guaranteed. If additional information is needed, the reader is advised to seek professional services.
 
Registered Representative and Investment Adviser Representative of and securities offered through Signator Investors, Inc. Member FINRA, SIPC, and an SEC Registered Investment Adviser. Concierge Financial Organization is a separate entity of Signator Investors, Inc.
 
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