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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. |
The Fiduciary Rule, in its simplest form, was intended to require every financial advisor to act in their clients' best interest. While this sounds simple and logical, there has been much push back from lobbyists representing major firms who do not espouse this basic tenet. Apparently, the push back was effective. Earlier this month, the Fifth Circuit Court of Appeals issued a 2-1 decision "vacating" the DOL Fiduciary Rule. At RTD, we believe that the requirement that an advisor put their clients' interests first should be the
minimum
standard. We will continue to serve as fiduciaries, differentiating
ourselves by providing
objective advice to our clients.
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Is a Roth IRA Right
For You?
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Roth Individual Retirement Accounts (IRAs) can be a great solution for saving for retirement. Roth IRAs often make sense if you are anticipating higher tax rates in retirement. With a Roth IRA, contributions are made after-tax, and withdrawals in retirement are tax-free.
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RTD Named to Advisory HQ's "8 Best Financial Advisors"
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For a third year in a row, RTD Financial was listed as one of the 8 Best Financial Advisors in Philadelphia!
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Should I Opt for an HSA?
A Health Savings Account (HSA) is a tax-
advantaged medical savings account. Unlike a Flexible Spending Account (FSA) which is "use it
or lose it," an HSA allows you to save and invest your balance for current and future medical expenses.
An HSA must be coupled with a High Deductible Health Plan (HDHP). Typically, HSAs and HDHPs make sense for healthy people who are
willing to be subjected to a higher deductible in exchange for lower premiums.
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You can deposit checks on your smart phone or tablet by downloading either the TD Ameritrade or the Charles Schwab mobile app.
Learn More About Schwab Here and TD
Here
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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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