Time to Revisit Your Income Oriented Investments

Michael L. Schwartz, RFC, CFS Comprehensive Wealth Management and Retirement Planning Time to Revisit Your Income Oriented Investments

When reviewing the current environment for interest rates, almost all the analysts are in agreement that they will rise. Experts seem to be divided as to whether the Federal Reserve will institute the first rake hike this fall or next year. Since there is agreement that rates will rise, perhaps the question that we should be asking is now when but how? Read more...

OFFICE HAPPENINGS September Client Dinner Time and Location to be determined October Information Session: Women and Social Security Saturday, October 10th starting at 12:00 p.m. Jenkintown Public Library Click here to reserve a seat. 115 Old York Road | Jenkintown, PA 19046 | ph 215.886.2122 | fax 215.886.6144 website | blog | LinkedIn | You Tube

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Michael L. Schwartz, RFC, CWS, CFS, a registered principal offering securities and advisory services through Independent Financial Group, LLC., a registered broker-dealer and investment advisor.  Member FINRA-SIPC. Schwartz Financial and Independent Financial Group are unaffiliated entities. This information is provided for informational purposes only and is not a solicitation or recommendation that any particular investor should purchase or sell any security. The information contained herein is obtained from sources believed to be reliable but its accuracy or completeness is not guaranteed.  Any opinions expressed herein are subject to change without notice.  An Index is a composite of securities that provides a performance benchmark.  Returns are presented for illustrative purposes only and are not intended to project the performance of any specific investment.  Indexes are unmanaged, do not incur management fees, costs and expenses and cannot be invested in directly.  Past performance is not a guarantee of future results. * The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. * The DJ Global ex US is an unmanaged group of non-U.S. securities designed to reflect the performance of the global equity securities that have readily available prices. * The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. * Gold represents the London afternoon gold price fix as reported by the London Bullion Market Association. * The DJ Commodity Index is designed to be a highly liquid and diversified benchmark for the commodity futures market. The Index is composed of futures contracts on 19 physical commodities and was launched on July 14, 1998. * The DJ Equity All REIT TR Index measures the total return performance of the equity subcategory of the Real Estate Investment Trust (REIT) industry as calculated by Dow Jones. * Yahoo! Finance is the source for any reference to the performance of an index between two specific periods. * Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. * Past performance does not guarantee future results. * You cannot invest directly in an index. * Consult your financial professional before making any investment decision.

Special Report - The Market

Michael L. Schwartz, RFC, CFS Comprehensive Wealth Management and Retirement Planning Economic Update: August 24, 2015

Wow—are we on a rollercoaster? If you’ve been feeling like the stock market has been much more volatile lately, guess what?  You’re right!  For the last few quarters we talked about the equity markets getting more volatile and the potential for a market correction, but nothing rattles investors quite like the storm after the calm. If you feel shaken, that is understandable.  Volatility is back. Click Here To read more of our economic update

OFFICE HAPPENINGS September Client Dinner Time and Location to be determined October Information Session: Women and Social Security Saturday, October 10th starting at 12:00 p.m. Jenkintown Public Library Click here to reserve a seat. 115 Old York Road | Jenkintown, PA 19046 | ph 215.886.2122 | fax 215.886.6144 website | blog | LinkedIn | You Tube

To unsubscribe from our Weekly Commentary please reply to this e-mail with "Unsubscribe" in the subject line, or write us at mike@schwartzfinancial.com.

Michael L. Schwartz, RFC, CWS, CFS, a registered principal offering securities and advisory services through Independent Financial Group, LLC., a registered broker-dealer and investment advisor.  Member FINRA-SIPC. Schwartz Financial and Independent Financial Group are unaffiliated entities. This information is provided for informational purposes only and is not a solicitation or recommendation that any particular investor should purchase or sell any security. The information contained herein is obtained from sources believed to be reliable but its accuracy or completeness is not guaranteed.  Any opinions expressed herein are subject to change without notice.  An Index is a composite of securities that provides a performance benchmark.  Returns are presented for illustrative purposes only and are not intended to project the performance of any specific investment.  Indexes are unmanaged, do not incur management fees, costs and expenses and cannot be invested in directly.  Past performance is not a guarantee of future results. * The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. * The DJ Global ex US is an unmanaged group of non-U.S. securities designed to reflect the performance of the global equity securities that have readily available prices. * The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. * Gold represents the London afternoon gold price fix as reported by the London Bullion Market Association. * The DJ Commodity Index is designed to be a highly liquid and diversified benchmark for the commodity futures market. The Index is composed of futures contracts on 19 physical commodities and was launched on July 14, 1998. * The DJ Equity All REIT TR Index measures the total return performance of the equity subcategory of the Real Estate Investment Trust (REIT) industry as calculated by Dow Jones. * Yahoo! Finance is the source for any reference to the performance of an index between two specific periods. * Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. * Past performance does not guarantee future results. * You cannot invest directly in an index. * Consult your financial professional before making any investment decision.

Schwartz Financial Weekly Commentary 8/24/15

Michael L. Schwartz, RFC, CFS Comprehensive Wealth Management and Retirement Planning Weekly Commentary – August 24, 2015
Weekly Market Overview: The Dow Jones Industrial Average lost about 6 percent last week. That puts the benchmark index about 10 percent below its record high on May 19, 2015, according to Barron’s.… read more.		From Abstract to Reality: The potential effects of rising rates: When the economic data align, and the Federal Reserve pulls the trigger on tighter monetary policy, rising interest… read more.		Weekly Focus: Value vs. Growth Investing See our morningstar report… click here.
OFFICE HAPPENINGS September Client Dinner Time and Location to be determined October Information Session: Women and Social Security Saturday, October 10th starting at 12:00 p.m. Jenkintown Public Library Click here to reserve a seat. 115 Old York Road | Jenkintown, PA 19046 | ph 215.886.2122 | fax 215.886.6144 website | blog | LinkedIn | You Tube
To unsubscribe from our Weekly Commentary please reply to this e-mail with "Unsubscribe" in the subject line, or write us at mike@schwartzfinancial.com.
Michael L. Schwartz, RFC, CWS, CFS, a registered principal offering securities and advisory services through Independent Financial Group, LLC., a registered broker-dealer and investment advisor.  Member FINRA-SIPC. Schwartz Financial and Independent Financial Group are unaffiliated entities. This information is provided for informational purposes only and is not a solicitation or recommendation that any particular investor should purchase or sell any security. The information contained herein is obtained from sources believed to be reliable but its accuracy or completeness is not guaranteed.  Any opinions expressed herein are subject to change without notice.  An Index is a composite of securities that provides a performance benchmark.  Returns are presented for illustrative purposes only and are not intended to project the performance of any specific investment.  Indexes are unmanaged, do not incur management fees, costs and expenses and cannot be invested in directly.  Past performance is not a guarantee of future results. * The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. * The DJ Global ex US is an unmanaged group of non-U.S. securities designed to reflect the performance of the global equity securities that have readily available prices. * The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. * Gold represents the London afternoon gold price fix as reported by the London Bullion Market Association. * The DJ Commodity Index is designed to be a highly liquid and diversified benchmark for the commodity futures market. The Index is composed of futures contracts on 19 physical commodities and was launched on July 14, 1998. * The DJ Equity All REIT TR Index measures the total return performance of the equity subcategory of the Real Estate Investment Trust (REIT) industry as calculated by Dow Jones. * Yahoo! Finance is the source for any reference to the performance of an index between two specific periods. * Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. * Past performance does not guarantee future results. * You cannot invest directly in an index. * Consult your financial professional before making any investment decision.

Retirement Planning: The Four Percent Rule May No Longer Apply!

Michael L. Schwartz, RFC, CFS Comprehensive Wealth Management and Retirement Planning
Definition of “Four Percent Rule”: According to Investopedia.com the Four Percent Rule is “the rule of thumb used to determine the amount of funds to withdraw from a… read more.		Considerations for Retirement Income Planning:  You may not want to convert all of your savings into fixed income or CDs. Even when you are at a retirement age… read more.		What is your true goal: When crafting your retirement income plan it is critical that you focus on your true goal. Most of the time, your decisions are based on lifestyle habits… read more.
115 Old York Road | Jenkintown, PA 19046 | ph 215.886.2122 | fax 215.886.6144 website | blog | LinkedIn | You Tube
To unsubscribe from our Weekly Commentary please reply to this e-mail with "Unsubscribe" in the subject line, or write us at mike@schwartzfinancial.com.
Michael L. Schwartz, RFC, CWS, CFS, a registered principal offering securities and advisory services through Independent Financial Group, LLC., a registered broker-dealer and investment advisor.  Member FINRA-SIPC. Schwartz Financial and Independent Financial Group are unaffiliated entities.   This information is provided for informational purposes only and is not a solicitation or recommendation that any particular investor should purchase or sell any security. The information contained herein is obtained from sources believed to be reliable but its accuracy or completeness is not guaranteed.  Any opinions expressed herein are subject to change without notice.  An Index is a composite of securities that provides a performance benchmark.  Returns are presented for illustrative purposes only and are not intended to project the performance of any specific investment.  Indexes are unmanaged, do not incur management fees, costs and expenses and cannot be invested in directly.  Past performance is not a guarantee of future results.   * The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. * The DJ Global ex US is an unmanaged group of non-U.S. securities designed to reflect the performance of the global equity securities that have readily available prices. * The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. * Gold represents the London afternoon gold price fix as reported by the London Bullion Market Association. * The DJ Commodity Index is designed to be a highly liquid and diversified benchmark for the commodity futures market. The Index is composed of futures contracts on 19 physical commodities and was launched on July 14, 1998. * The DJ Equity All REIT TR Index measures the total return performance of the equity subcategory of the Real Estate Investment Trust (REIT) industry as calculated by Dow Jones. * Yahoo! Finance is the source for any reference to the performance of an index between two specific periods. * Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. * Past performance does not guarantee future results. * You cannot invest directly in an index. * Consult your financial professional before making any investment decision.