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About: Frazier Allen




Frazier Allen's Articles:

    Frazier Allen: Five Tips for First-Time Grandparents

     

    F&M Investment Services - Raymond JamesClarksville, TN – Your daughter recently welcomed her first child – your first grandchild – and you’re already in love. You envision festive holidays spent together, bouncing him or her on your knee, and buying heaps of toys and adorable shoes.

    But you may be able to offer so much more. Grandparents like you have historically had a powerful influence in the lives of their grandchildren and have a wealth of experience and knowledge to share.

    So what kind of power are we talking about? Now that you’ve joined the grandparents club, you’re what anthropologists call a “secret benefactor” of humanity.

    Sharpen these skills to excel in your new role.

    Sharpen these skills to excel in your new role.

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    Frazier Allen: Are You Ready for an Encore Career?

     

    F&M Investment Services - Raymond JamesClarksville, TN – Four and a half million. That’s how many retired Americans, over age 50, decided to go back to work or take on part-time volunteer roles after retiring. And there are another 21 million who say they’re ready to join them, according to a 2014 Encore Career survey.

    The reasons vary. Some want to make the most of their talents; some want social interaction; still others seek to keep their minds sharp and their bodies busy. The extra money doesn’t hurt either, especially since there are several unknowns that can cloud your retirement picture (e.g., longevity, inflation and long-term care needs).

    More and more Americans are going back to work or volunteering after retirement.

    More and more Americans are going back to work or volunteering after retirement.

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    Clarksville Weekly Market Snapshot from Frazier Allen for the week of September 18th, 2016

     

    F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – Fed Governor Lael Brainard, a dove, presented her case for why the central bank should delay an increase in short-term interest rates. While her views are her own (not representative of the Fed as a whole), a more hawkish tilt would have raised the odds of a September rate hike.

    The key economic data reports were on the soft side of expectations, but were still consistent with moderate growth in the near term. Retail sales disappointed in August. Industrial production unwound a seasonal quirk that boosted July figures. CPI figures surprise slightly to the upside.

    Frazier Allen

    Frazier Allen

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    Frazier Allen: Five Strategies to Address Concentrated Equity

     

    F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – The risk involved in owning too much (usually defined as 30% or more) of one stock, what’s known as concentrated equity, is pretty apparent – too many eggs in one basket. What’s trickier is why some investors have such difficulty remedying a situation that can pose a real threat to their long-term financial security.

    Concentrated equity can arise in many ways. Investors sometimes inherit large amounts of a single stock.

    Owning too much of a single security can be hazardous to your wealth.

    Owning too much of a single security can be hazardous to your wealth.

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    Frazier Allen: Domestic Stocks Hit All-Time Highs in August

     

    F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – As summer comes to a close, the markets – as represented by the Dow Jones Industrial Average, Nasdaq Composite and the S&P 500 – reached new highs during August, putting all three major indices in uncharted territory.

    Steady economic growth, rising consumer spending and improving corporate earnings coming in better than expected were all key factors in helping drive the market.

    Frazier Allen

    Frazier Allen

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    Frazier Allen: The New Disruptors of Old Age

     

    F&M Investment Services - Raymond JamesNashville, TN – The traditional wisdom among Silicon Valley’s youthful technorati is to design for what you know—texting your friends in Europe for free (WhatsApp), renting out your bedroom to make extra cash (Airbnb), finding a romantic partner without leaving your house (Tinder). But a handful of entrepreneurs are now looking beyond the millennial market to reach a new demographic with their own needs — baby boomers.

    “You’ve got all these 20-something engineering types who are beginning to realize there are older adults who can make use of these products to promote health and well-being,” said Andrew Scharlach, Professor of Aging at the University of California, Berkeley. “What we are beginning to see is the marriage of product developers with the end users that they previously had not been aware of.”

    From smart phones to smart homes, emerging technology is changing the way Americans approach aging — and Baby Boomers welcome the advances.

    From smart phones to smart homes, emerging technology is changing the way Americans approach aging — and Baby Boomers welcome the advances.

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    Frazier Allen: Four Smart Withdrawal Strategies

     

    F&M Investment Services - Raymond JamesClarksville, TN – It’s official. You’re retired. As in, your days are yours alone. No early morning meetings. No deadlines. No paycheck.

    Wait. What?

    Without a job, you’ll no longer receive a salary. Something you’ve likely relied on every couple of weeks for the past 40 to 50 years.

    It’s unlikely that Social Security alone will be enough to replace that flow of income and fully support your standard of living in retirement, which means it’s time to start drawing down the retirement income you’ve saved so diligently over the years.

    Tennessee Department of Commerce and Insurance gives tips to protect you savings.

    Tennessee Department of Commerce and Insurance gives tips to protect you savings.

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    Clarksville Weekly Market Snapshot from Frazier Allen for the week of September 4th, 2016

     

    F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – The August Employment Report was a little light of expectations. Nonfarm payrolls rose by 151,000 (median forecast: +180,000), with a net revision to June and July of only -1,000. Private-sector payrolls rose by 126,000 – a +150,000 average over the last six months (vs. +221,000 in 2015 and +240,000 in 2014).

    The unemployment rate held steady at 4.9% (vs. 5.1% a year ago). Average weekly hours fell (and hours for July were revised lower). Average hourly earnings rose just 0.1%, up 2.4% y/y.

    Frazier Allen

    Frazier Allen

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    Frazier Allen: Social Security Myths and Misconceptions

     

    F&M Investment Services - Raymond JamesClarksville, TN – There’s no doubt about it. Filing for Social Security can be daunting.

    On top of all that, there’s a ton of information – and misinformation – to weed through, as well as the need for some calculations based on several variables. Your benefits depend on your age, how long you’ve worked, what you earned, your marital status and number of dependents.

    Seems like you have to factor in everything but your IQ. So to help, we offer some common misconceptions as well as some guidance on ways to get the most from your hard earned retirement benefits.

    What you don't know you don't know and what you can do about it.

    What you don’t know you don’t know and what you can do about it.

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    Frazier Allen: Can Debt be used to your advantage?

     

    F&M Investment Services - Raymond JamesClarksville, TN – “Debt” tends to call to mind a negative connotation. But, when used strategically, certain kinds can serve as useful financial tools, affording you access to more liquidity and potential growth down the road.

    Before setting out to pay your debt off as quickly as possible, consider the various factors at play. You may find that the long-term advantages of holding certain types of debt can outweigh the benefits of paying it off sooner, so be sure to discuss the benefits and considerations with a knowledgeable financial professional.

    For some, smart borrowing can be a useful tool, but it’s not one-size-fits-all.

    For some, smart borrowing can be a useful tool, but it’s not one-size-fits-all.

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