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Topic: Raymond James Investment Services

Frazier Allen: Concentrated Positions Can Pose Portfolio Risk

 

F&M Investment Services - Raymond JamesClarksville, TN – It is important for investors to understand that the very asset that helped create significant wealth may also pose the biggest risk to their future financial security. A concentrated equity position is defined as a substantial portion of an investor’s wealth (10% – 15%, or more in some cases) tied in one stock.

These highly concentrated positions can result from employer stock and option incentives, long-term employment at a single company, a large inheritance, etc.

Holding a large, single-stock position creates significant risk and increases portfolio volatility, which can have a catastrophic effect to an investor’s future financial security.

Concentrated positions may create wealth but they may not protect it.

Concentrated positions may create wealth but they may not protect it.

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Clarksville Weekly Market Snapshot from Frazier Allen for the week of May 1st, 2016

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – As expected, the Federal Open Market Committee left short-term interest rates unchanged. In its policy statement, the FOMC noted that “labor market conditions have improved further even as growth in economic activity appears to have slowed.”

The key phrase from the mid-March statement, “global economic and financial developments continue to pose risks,” was removed, although officials promised to closely monitor conditions. Equities rallied on the Fed statement (in part, perhaps, because the meeting was simply out of the way), but global markets weakened after the Bank of Japan failed to stimulate further.

Frazier Allen

Frazier Allen

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Clarksville Weekly Market Snapshot from Frazier Allen for the week of April 24th, 2016

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – The economic data remained consistent with a lackluster to moderate pace of growth in the near term. Building permits and housing starts disappointed in March, reflecting a pullback in multi-family activity (which appears to have been unsustainably strong in 2015).

Single-family permits, the key figure in the report, fell 1.2%, but the first quarter total was 15.2% higher than in 1Q15. Existing home sales rebounded from a soft February (likely reflecting weather effects in the Northeast and Midwest). The Index of Leading Economic Indicators rose 0.2%, following three consecutive monthly declines.

Frazier Allen

Frazier Allen

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Clarksville Weekly Market Snapshot from Frazier Allen for the week of April 21st, 2016

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – The economic data were mixed, but mostly on the soft side of expectations. Retail sales fell in March, reflecting a pullback in auto sales (dealers noted lean inventories of popular models and a lack of dealer incentives). Ex-autos, gasoline and building materials, sales were flat (+3.2% y/y), but February was revised higher (making it about a wash relative to expectations).

Industrial production fell 0.6% in March, reflecting warm temperatures (another drop in the output of utilities) and a further contraction in oil and gas well drilling (down 72% since the end of 2014).

Frazier Allen

Frazier Allen

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Frazier Allen: Beware of Costly Surprises in Retirement

 

F&M Investment Services - Raymond JamesClarksville, TN – Achieving a successful retirement requires not only planning for what you want to go right, but also for what might go wrong.

Many investors have found that retirement can bring on unwelcome surprises, some of them significant enough to derail a retirement plan.

Healthcare Costs: Expert estimates of what a couple spends during retirement for healthcare range from $400,000 to well over $1 million.

Planning ahead can help you get the jump on some of these surprise costs.

Planning ahead can help you get the jump on some of these surprise costs.

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Clarksville Weekly Market Snapshot from Frazier Allen for the week of April 10th, 2016

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – The minutes of the March 15th-16th FOMC meeting showed that most officials did not see much change in their growth outlooks since December, due partly to expectations of a more gradual policy path (recall that most officials had expected four 25-basis-point hikes in 2016, but now see two).

“Several” meeting participants “argued for proceeding cautiously in reducing policy accommodation,” noting the downside risks from the rest of the world and the possibility that inflation expectations could fall.

Frazier Allen

Frazier Allen

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Frazier Allen: One of the Easiest Ways to Save for Retirement

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – There is so much to consider when planning for the retirement you envision, but fortunately one of the most impactful steps you can take is also the easiest: Automating your savings.

Actively moving money into a retirement account each month takes willpower and discipline, and can lead to missed or minimized contributions. By automating your savings directly from your paycheck, you have the opportunity to save for your future in a worry-free way.

Saving early and often can help you reach your retirement saving goals.

Saving early and often can help you reach your retirement saving goals.

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Clarksville Weekly Market Snapshot from Frazier Allen for the week of April 3rd, 2016

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – In her speech, Fed Chair Yellen indicated that “given the risks, I consider it appropriate for the [FOMC] to proceed cautiously in adjusting policy.” This dovish stance was taken well by financial market participants.

Yellen emphasized that the Fed’s projections (such as the dots in the dot plot) are expectations and “not a plan written in stone.” Fed policy decisions will remain data-dependent, but Yellen stressed that the central bank has a limited ability to respond to downside shocks to the economy.

Frazier Allen

Frazier Allen

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Frazier Allen: 12 Ways to Revive Your Retirement Savings

 

If you’re concerned that you haven’t put enough away to retire, you have plenty of company.

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – If you’re concerned that you haven’t put enough away to retire, you have plenty of company – about one in four Americans feel the same way.1 And while there’s no silver bullet solution, you may be able to catch up – if you’re willing to be realistic and take the steps necessary to get on track.

Let’s address the biggest problem first. If – for whatever reason – you’re just getting started on building that retirement nest egg, you’ve lost some of the advantage of time.

Frazier Allen

Frazier Allen

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Frazier Allen: Baby-Proofing Your Finances

 

Review this checklist and prepare for parenthood with open eyes and special financial care.

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – So, you’re going to be a parent. Exciting? Yes. Scary? Certainly. While finances may seem to be a daunting part of your new, more fiscally responsible life, this is just the beginning of navigating all that having a child brings.

No doubt, you want to be debt-free with a solid retirement plan in place and the ability to take care of college costs.

Frazier Allen

Frazier Allen

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