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Client Articles & Reports
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Investment Themes 2013
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Is holding bonds "safe"?
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More common deceptions in the financial services world
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An explanation of the "sequester" budget cuts
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The Federal Reserve is generating profits on its Quantitative Easing (QE3) program?
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Record high for the Dow and the S&P 500, and why it really doesn't matter
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Video Overview of the American Taxpayer Relief Act of 2012
- Summary of Taxpayer Relief Act of 2012
The last-minute fiscal cliff compromise: H.R. 8, is summerized here.
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Opposite Day Investing
Where does the money go when the market tumbles and people experience a loss of wealth, and where does the money come from when the market goes back up?
- The Fiscal Cliff: A Primer
Comprehensive Primer on one of the biggest issues facing the nation.
- The Changing Value of a Dollar
Currency Risk...the impact of currency fluctuations on foreign stocks--which could be an issue if interest rates ever decide to go up and/or the dollar strengthens in the future
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Understanding Market Performance
A look at the equity market over the last 10 years can look depressing. Significant ups and downs have become the norm with huge volatility. As this trend has continued, clients may become discouraged and frustrated. There are a number of your questions we would like to address and answer here.
- Riding the Roller Coaster
- An Analogy on the European Debt Crisis
- A glossary of terms and jargon:
With the debate over the U.S. government debt, the debt woes in the Eurozone, and talk of a double-dip recession--not to mention protestors camping out on Wall Street--suddenly fairly complex economic issues are showing up in the mainstream news. Here are some of the more relevant terms, many of which will be familiar to you, some of which may be new or not understood as well as you would have liked.
- Wall St. Journal:
Companies are rolling out debt funds that aim to prosper even when interest rates start climbing from record lows
- Avoiding Bear Market Mistakes
There’s little doubt about it - when financial markets are on the rise, the desire to invest grows. And when markets decline investors tend to do nothing... or worse - run for cover.
- The Cruel Math of Big Losses
When you suffer a very large loss, you need a gigantic gain to get back to where you started.
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Company Information
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St. John & Associates chosed as one of the best financial advisors for doctors by Medical Economics magazine
Quarterly Commentary
Economic Reports
Financial Planning
- Value of Financial Planning study
A new Financial Planning Association survey sponsored by Ameriprise Financial and conducted by Harris Interactive shows how critical the pairing of a professional financial planner and the creation of a comprehensive financial plan can be to an individual’s long-term financial success.
The Bottom Line: Among the Self Directed, Advice Supported and Comprehensive Planning Participants, those who use a paid financial planner and have a comprehensive written plan feel more confident in their future and their ability to achieve their goals. Even when most people believe the economy is on the wrong track, Comprehensive Planning Participants feel in control of their financial futures.
- Sample Personal Financial Plan
This is a very comprehensive plan. This is posted here to demonstrate the capabilities of our financial planning platform and is not necessarily representative of what each client's Personal Financial Plan will contain.
- Guide to Sample Personal Financial Plan
This guide explains further how our Personal Financial Goal Plans - what we call a LIfestyle plan - is developed.
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Household Balance Sheet
The purpose of the Household Balance Sheet is to provide a concise, easy-to-understand, and powerful planning diagnostic for assessing a client’s ability to achieve their financial goals. The Household Balance Sheet allows us to have meaningful discussions with our client's about goal affordability, goal priorities, and spending vs. savings decisions.
Company Workshops
- Coming soon - Social Security planning for Baby Boomers!
Company Newsletter
- Financial Planning Newsletter
This is our periodic financial planning newsletter. You may subscribe by going to the Contact Us page and sending us a request and your email address. We try and keep it current and useful.
- To Subscribe to our Newsletter and Client Alerts
We also provide client alerts when economic, market or other events warrent a commentary. Give it a try, you can opt-out with one click of your mouse should you change your mind.
Financial Items of Interest
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©2013 St. John & Associates, Inc. All rights reserved.
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©2013 St. John & Associates, Inc. All rights reserved.
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