Newsletter Issue: Vol 9 Issue 1
January 2020
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January Quote
"Snow and adolescence are the only problems that disappear if you ignore them long enough."
~ Earl Wilson
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SECURE Act and Retirement Saving  
The Setting Every Community Up for Retirement Enhancement (SECURE) Act is now law. With it, l ong-established retirement account rules change. While the new rules don’t amount to a massive upheaval, the SECURE Act will require a change in strategy for many Americans. For others, it may reveal new opportunities.
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Ways to Repair Your Credit Score
We all know the value of a good credit score. However, life can throw us a financial curveball and that score declines. Here are some steps to get your credit rating back up.
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Monthly Economic Update
As 2019 ends, the U.S. and China agree to a phase-one trade deal, and stocks, gold, and oil all advance. The S&P 500 added another 2.86% last month, rising 28.88% for 2019. The Federal Reserve left interest rates alone, and a new law was passed impacting retirement accounts. 
Symphony Financial
Office: 703-865-4092
Fax: 703-865-4096
Registered Representatives. Securities offered
through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representatives, Cambridge Investment Research Advisors, Inc. a Registered Investment Advisor. Cambridge and Symphony are not affiliated.