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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. |
While we've recently received a bit of a break, the last quarter of 2018 was a challenging one to say the least. Though i
t can be difficult to remain focused on the long-term through periods of volatility, we find opportunities in the downside fluctuations.
Marc Labadie
, RTD Chief Investment Officer, outlines how we take advantage of market downturns by rebalancing, buying low and banking tax losses to offset future gains.
Click here
to read the article.
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The Loss of Our Dear Friend
and Colleague, John Hochschwender
On February 23, 2019,
John Hochschwender, passed away while cross country skiing in Colorado. John was an integral part of our lives. He was a friend, mentor, leader, trusted advisor, and so much more.
John's contributions to his clients' lives, our firm and the advancement of the financial planning profession is immeasurable. As a Shareholder, CFO and Senior Financial Planner, John helped build RTD into what it is today: an ensemble organization where everyone works collectively toward the realization of the same goal - our clients' success. We are grateful for the precious time we had to work and grow with John. He made a significant impact in all our lives and will be deeply missed.
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Retirement Communities Guide
As we and those we love age, it is important to understand the available options for housing. However, the amount of information about various housing options can be overwhelming.
The attached
guide
delves deeper into the offerings and important differences between 55+ communities.
You may also wish to revisit our recorded webinar on "Housing Options for an Aging Population" by clicking
here
. You can reach out to your financial planner for further discussion on this important matter.
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Watch out Against Impostor IRS Agents
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With tax season well under way it's important to protect yourself against fraudulent callers. The Consumer Financial Protection Bureau wrote up a great
article explaining how impostors are attacking. do you know the best ways to defend yourself? Please share with anyone you think might fall prey to these schemes.
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Relaxed Hardship Rules for 401(k) and 403(b) Plans
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Beth Davies, Vice President of Retirement Plan Services, outlines changes to hardship rules brought about by the Bipartisian Budget Act of 2018. While the effect of the rules is to make more funds available to participants experincing financial hardship, there is concern this could lead to "leakage" of retirement plan savings.
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The RTD Financial Charitable Fund
In 2018, RTD Financial established a Donor Advised Fund, contributing a percentage of profits to the fund each year. These funds are used to match employee donations and make quarterly grants. Employees submit grant proposals which are reviewed by our internal Corporate Social Responsibility Committee. This quarter, we granted $1,500 to The Penn Memory Center.
The Penn Memory Center is the patient care and research component of the Penn Alzheimer's Disease Center. Individuals age 50 and older have access to state-of-the-science diagnosis, treatment and research, focusing on individuals with Alzheimer's disease, mild cognitive impairment (MCI) and other age-related progressive memory disorders. The Center is supported in part by the National Institute on Aging.
Additionally, in memory of our dear colleague, John Hochschwender, we made a $1,250 grant to the West Chester Salvation Army and a $1,250 grant to the Brandywine Valley SPCA.
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The RTD Discovery Process
Richard Durso
, Senior Financial Planner, was recently interviewed by the RIA Channel. In this
short video
he explains how we seek "to identify what [our client's] vision statement is and then build a financial plan to get them closer to that vision of what a balanced and fulfilled life means to them."
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Atlanta Office
Two Ravinia Drive,
Suite 1360
Atlanta, GA 30346
Johnstown Office
1 Pasquerilla Plaza,
Suite 127
Johnstown, PA 15901
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Headquarters
30 S. 17th Street,
Suite 1620
Philadelphia, PA 19103
Bala Cynwyd Office
Two Bala Plaza,
Suite 300
Bala Cynwyd, PA 19004
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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
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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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