With unrelenting passion, RTD's mission is to help our clients achieve
financial freedom so they may experience balanced and fulfilling lives. 
Year End Gifting - Educational Saving Accounts Can Carry Your Gift Further

The year is quickly coming to a close; have you utilized your annual gift tax exclusion? 529 Plan Educational Saving Accounts offer several tax benefits, including the ability to use funds for K-12 private education. There are however, many considerations in funding these accounts. What is a qualified expense? Who should be the account owner? What is the impact on financial aid?  It's fitting that as the newest parent on the RTD Team,  Chris Vassallo,  decided to tackle this topic. As always, please reach out to us with any questions.

Click here to read the article. 
Your Financial Planning Team is Growing:
Announcing Additions to the RTD Family

Diana Yanez is our newest Associate Financial Planner. Her passion for personal finances led her to change careers into Financial Planning from Business Analysis. A southern California native Diana is enjoying settling into her new home in South Philly. 

B ill Love is a Senior Financial Planner with more than 20 years of experience. He is passionate about bringing together the emotional and logical side of a family's financial picture.  Bill lives in Yardley, PA with 3 generations of what he refers to as his "girls" (wife, Lauren, daughter, Jocelyn, Mother-In-Law, Annette) and the star of the family, their Dachshund, Lilly.

         
Recognition for our Retirement Plan Services
Once again, RTD has been recognized as a Financial Times 401 Top Retirement Plan Adviser.   Click here  for the announcement.

End 2018 with Your Finances in Order!
As a Malay proverb reminds us, "Prepare the umbrella before it rains." To make sure that you've got all your financial ducks in a row check out the following article. 

In a Predominantly Male Profession, 
InvestmentNews Recognizes Women Making a Difference

Rachel Moran, Senior Financial Planner and  RTD's newest Shareholder, was named a Rising Star by   InvestmentNews  -  Women to Watch !  

Rachel's dedication to her client's well-being and to Financial Life Planning is evident to everyone who knows her.  Moreover, her passion for this profession led her to leadership positions where she has advocated for young women in the field.

Please join us in congratulating Rachel on her well-deserved recognition!

With holiday shopping in full force, ask yourself, 
"Are you really  getting a deal?"
A recent Consumer Reports article reminds us of the old saying "If it sounds too good to be true, it probably is." This is particularly relevant when it comes to holiday sales. Before you step in the doors of your favorite retail establishment b e sure to be armed with facts. 
Contact Us
RTD Financial | 800-893-4725 | www.rtdfinancial.com | info@rtdfinancial.com

Atlanta Office
Two Ravinia Drive, 
Suite 1360
Atlanta, GA 30346


Johnstown Office
1 Pasquerilla Plaza, 
Suite 127
Johnstown, PA 15901
Headquarters
30 S. 17th Street, 
Suite 1620
Philadelphia, PA 19103


Bala Cynwyd Office
Two Bala Plaza, 
Suite 300 
Bala Cynwyd, PA 19004
West Chester Office
121 N. Walnut Street, 
Suite 190
 West Chester, PA 19380

Cherry Hill Office
1820 Chapel Avenue,
Suite 160
Cherry Hill, NJ 08002

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.