Thoughts on spending in retirement

From: Jack, Mike and Kayla
Re: Thoughts on spending in retirement
Date: July 14, 2014
Happy Summer one and all. We are all back in our places for July – Kayla returned from her honeymoon, Mike completed the inaugural Corporate Challenge and I came back from playing with my granddaughters in Nashville. There is nothing like seven and an eleven year-old granddaughters to make you appreciate naps.

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Dimensional Fund Advisors, DFA

To: All clients
From: Jack, Mike and Kayla
Re: August newsletter
Happy summer to all! By now we have survived some triple digit days and we are only weeks away from College Football kickoff, so the end is in sight.
Earlier this year Mike and I became familiar with Dimensional Fund Advisors, DFA – a mutual fund family managing more than $356 billion with 11 offices around the globe. After a series of telephone interviews, surveys and a two day seminar at their campus in Austin, the reps came to Ardmore for an office visit. Only then were we allowed to join the exclusive network of independent advisors who are registered to purchase Dimensional funds for our clients.

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Lunch & Learn Topic Review

To: All FMI clients
From: Jack, Mike and Kayla
September News Letter
For those who attended our last “Lunch and Learn”, presented by Bryan McClune, on September 11th this may serve as a review; and for those who could not attend this will be a worthwhile primer for his topic of Alternative Investment Advice:

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Market Volatility

October 15, 2014
To all FMI clients:
Re: Market Volatility
It looks like we are in for another round of volatility fueled by many geo-political and health-care factors:
 Ebola has the entire planet concerned that what was an epidemic contained in West Africa may become pandemic. Health care workers, scientists and epidemiologists are racing to perfect the protocol for treatment.

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Student Loan Forgiveness

November 19, 2014
To: All FMI Clients
Subject: Student Loan Forgiveness
College graduates are in for a rude awakening, the class of 2013 averaged $35,200 in total college related debt. From government loans and private loans to personal/family loans and credit card debt, college graduates are having a hard time keeping their heads above water after graduation.

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Student Loan Forgiveness

November 19, 2014
To: All FMI Clients
Subject: Student Loan Forgiveness
College graduates are in for a rude awakening, the class of 2013 averaged $35,200 in total college related debt. From government loans and private loans to personal/family loans and credit card debt, college graduates are having a hard time keeping their heads above water after graduation.

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Joe Dougherty Lunch & Learn Power Point Presentation

To: All FMI Clients
FAMILY FINANCIAL PLANNING
Do you have a plan? That was the question posed by Joe Dougherty at our Lunch and Learn program on March 26. For those who were able to attend that day I’m sure it began a process of trying to answer that question and hopefully has resulted in some type of action. We have heard from a number of you, and it is great to hear about action steps you are taking.

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Family Financial Planning

To: All FMI Clients
FAMILY FINANCIAL PLANNING
Do you have a plan? That was the question posed by Joe Dougherty at our Lunch and Learn program on March 26. For those who were able to attend that day I’m sure it began a process of trying to answer that question and hopefully has resulted in some type of action. We have heard from a number of you, and it is great to hear about action steps you are taking.

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Suggestions For Whose Financial Skills May Be Slipping

May 2015
To all FMI Clients:
Re: Suggestions for support of those whose financial skills may be slipping
Let’s all consider this as advice for those we know who are older than us – family, friends or co-workers – but surely not ourselves.

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Defining Risk and A note from Kayla

To all FMI Clients:
June 2015 Newsletter
Re: Defining Risk
During our initial conversation with new clients Mike and I discuss investment risk and then try to determine an investor’s risk tolerance, or degree to which market corrections become distressful and keep an individual awake at night. We do this to determine which investments would be appropriate for each client, and then customize that client’s portfolio. For many this may be the first time to consider risk and analyze the willingness to accept it, or not, for an expected gain. This month and the next we want to readdress the definition of risk and the resulting expectation of investment return.

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