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Spring client newsletter

Written by AcornWM on .

Greetings and Welcome to the 2nd Quarter and Spring of 2017

We wanted to provide you with some relevant information that you may find interesting regarding Mortgage Rates at historically low levels, an update on the economy as it relates to your financial investments, and the upcoming tax filing deadline of April 18th.

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In 2016, Plan for Success

Written by AcornWM on .

Everyone has financial dreams—like being debt-free, retiring on our own terms, owning a beach house or paying for our kids' education without breaking the bank.

To turn those dreams into reality, financial planning is indispensable. Simply having a plan can instill confidence and erase uncertainties. In a recent survey from polling firm Harris Interactive, 88% of those with comprehensive financial plans reported feeling that they have a clear financial direction. That number is almost 50% higher than those without a professional financial plan.

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Balancing Risk and Reward in the Market

Written by AcornWM on .

Many investors look at investing as a kind of horse race: To "win," the logic goes, you must beat the market.

While measuring performance against a market index such as the S&P 500 may be a simple way to gauge success, in the long run it may be harmful to your investing results. To understand why, let's look at the concept of risk-adjusted return.

Risk-adjusted return can be defined as the measure of how much risk an investor has taken on to achieve their earnings. Let's say two mutual funds post identical 10% returns. The less aggressive, less risky of these funds would be said to have the better risk-adjusted return.

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Social Security Change: What You Should Know

Written by AcornWM on .

Maximizing your Social Security benefits: It's been an increasingly popular topic with those approaching retirement.

With "advanced" claiming strategies, couples have found a number of ways to increase their benefits, all while complying with Social Security rules. But one of these strategies will soon be no more.

Early this month, the "file and suspend" strategy was eliminated, as part of the newly passed budget. If you're not familiar with file and suspend, here are the basics: The strategy allows couples—typically where there is a higher-earning spouse and a lower-earning spouse—to squeeze the greatest benefit amount from the program.

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The Value of Risk-Adjusted Returns

Written by AcornWM on .

Many investors, amateur and professionals alike, treat investing as if it's a contest.

In this approach, the winner is the investor who is beating the market. The rest are losers. But if you're a long-term investor, focusing on the market as a benchmark to beat is a mistake.

That's because successful investors aren't focused on the horse race. Just as important to them as returns is avoiding big losses. It's those big losses, after all, that can shrink your capital base and put your long-term goals out of reach.