2018 is behind us and we are looking forward to providing you with an enhanced level of investment and financial planning advice and service for 2019. We have calibrated our practice, Socially Responsible Retirement Strategies for optimum service with an increased level of technology supported by LPL Financial and in addition to enhanced staff training implement these new capabilities including the immediate deposit of funds and e-signature.
Congratulations to Allison Mendoza, Client Services Associate for passing the General Securities Licensing Exam in December. She is well on her way to becoming fully licensed to assist in managing investments as well as managing our financial planning department.
We hope you’ve had a wonderful holiday season,
Bill, Allison, and Brenda
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Data Breach
If you have any questions regarding the recent communication about compromised data, LPL Financial has established a number to work directly with the security monitoring service, All Clear. If you have received a letter from LPL Financial but have not enrolled in the free service please call
1-855-683-1166
.
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New Clients
We want to welcome our newer clients that we are serving with our associate Fred Fletcher. Fred has worked hard to maintain your investments, and Allison and I look forward to building on that success as we continue management of your assets.
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My SAM Account Investment Strategies
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Opportunities:
I’m emphasizing a broad value approach to investing in equities, maintaining a small position in emerging markets equities.
Calculating the Risks:
As interest rates rise, and if inflationary pressures increase, the Fed could become more aggressive. Managing fixed income with capital preservation in mind will continue to inform my investment choices. In addition, gold could serve has a safe-haven should investment markets become overwhelmed with volatility if leading indicators weaken significantly. Finally, with interest rates now at a more elevated level, certificates of deposit may become part of the investment mix.
Of course, every investment plan is unique, and I will be discussing your investments in detail at our annual reviews.
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Financial Planning and Annual Reviews
In 2019 we will be scheduling annual reviews beginning in February and continue through the beginning of June. We would like to have as many clients using account view and Wealth Vision as possible leading up to the annual review. Wealth Vision is a powerful tool that reveals how your investments service your long-term goals. Indeed, the best investment plan is an investment strategy within a financial plan.
As the risk of recession eventually confronts us, I believe it is important to measure the impact of a bear market on retirement plans particularly if retirement will take place in the next five years. Our financial planning can also help address some keys concerns clients have regard Federal income taxes including when to take withdrawals from qualified accounts, how to best make charitable contributions in light of the new tax law.
We can easily explore various scenarios in Wealth Vision that are unique to your situation.
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Market and Economic Perspectives
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Here are some excerpts from the recent letter from John Lynch EVP, Chief Investment Strategist at LPL Research:
• At LPL Research, we believe there’s more room to run, thanks to strong corporate profits and continued fiscal stimulus, in the form of government spending, reduced regulation, and lower taxes.
• We expect gross domestic product (GDP) of up to 2.75% for the U.S. economy, supported by increased spending from consumers, businesses, and the federal government.
• We expect 2019 may be another good year for equity investors. Accordingly, LPL Research forecasts total return possibilities within the range of 8–10% for the S&P 500 Index.
• We expect flat returns for bonds in 2019, as measured by the Bloomberg Barclays U.S. Aggregate Bond Index.
• We do expect to see more volatility, and continue to encourage suitable investors to embrace that volatility.”
for its potential opportunities to re-balance portfolios, rather than fear it.
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Retirement Strategies
In these volatile times, the
responsiveness
for a sustainable retirement sits firmly on the shoulders of the individual.
I look forward to supporting your financial plans with these key tenants in mind: Liquid Assets, Dividend Income, Guaranteed Income, Long-term Growth, Community Investment, and Solar Energy.
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Socially Responsible Retirement Strategies
William Neil, AIF
444 Main Street, Suite 207
La Crosse, WI. 54601
888-492-4623
Bill - Advisor: 608-205-5582
Allison - Client Services: 608-433-9730
Brenda - Office Manager: 608-784-9100
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Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual security. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. Indexes are un-managed and cannot be invested into directly. Economic forecasts set forth may not develop as predicted. No strategy assures success or protects against loss.
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