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| Asset Location and Your Investment Goals |
Clients who have both taxable and non-taxable accounts can benefit from paying close attention to where different investment vehicles are held. At RTD we take advantage of the opportunity presented by this situation by placing less tax efficient vehicles, such as income producing stocks, in non-taxable accounts.
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Summer Additions to the RTD Team
Kevin Cremi joined RTD full-time as our Associate Operations Analyst after interning during the school year. He is passionate about operations and making processes as smooth as possible.
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Andrew Zarilli interned with us this summer and is beginning his senior year at Temple University. Aside from his love of financial planning, Andrew closely follows Philly sports.
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Molly Wentz is our newest Associate Financial Planner who recently graduated from Virginia Tech, where she majored in finance and played Division I lacrosse for the Hokies.
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Retirement Plan Fiduciaries:
3(38) vs. 3(21) - Confused?
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In spite of all the regulatory and media attention to fiduciary rules, there remains much confusion over which type of investment advisor you, the Plan Sponsor, should engage to service your company retirement plan.
Do you want recommendations or advice? Do you want to assume or delegate responsibility for investment management decisions? Your personal fiduciary liability exposure is mitigated when you choose an ERISA 3(38) Investment Manager, such as RTD Financial. Click
here to read more about the differences between advisory service arrangements typical of 401(k) and 403(b) plans.
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Protecting Ourselves & Our Loved Ones Against Fraud
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We've all heard of horror stories were a relative or friend was targeted by fraudsters. NPR's Marketplace
created a series of episodes on how we may become more susceptible to financial attacks
as we age
. NPR's
website
includes the audio episodes and suggestions on how to address this with loved ones.
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Celebrating Our Newest CFP
®!
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We would like to congratulate Brent Zackon for earning the CERTIFIED FINANCIAL PLANNER
™ designation!
Brent has been a part of RTD Financial for four years. His dedication to our client's well being and his easy going nature make him a pleasure to work with.
Once again, congratulations on your well deserved recognition!
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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. |
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Atlanta Office
Two Ravinia Drive,
Suite 960
Atlanta, GA 30346
Bala Cynwyd Office
Two Bala Plaza,
Suite 300
Bala Cynwyd, PA 19004
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Headquarters
30 S. 17th Street,
Suite 1620
Philadelphia, PA 19103
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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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