Retirement Certainty Scorecard™

 
  DISAGREE AGREE
Indicate the degree to which you agree or disagree with the statements below.
1

I have a clear, written and actionable retirement plan that shows my current financial position (Point A) and my ultimate future (Point B) and sets a path to get from A to B.

2

I review my written retirement plan each and every year and adjust it for changes in my life. I stress test my plan's viability by changing variables for the worst case scenario.

3

I know exactly what my personal required rate of return (PRROR) is that will allow me to achieve all of my retirement goals. I plan my investment strategy around and work toward that PRROR.

4

I have an investment plan which focuses an equal amount of time on making money as it does on not losing it, simultaneously advancing and protecting my assets.

5

I know that I am utilizing independent advice and strategies which specifically fit my individual situation.

6

I review all of my investments each and every year based on how the market and economy are responding and make adjustments and/or rebalances at least annually or as needed.

7

I am confident with all of my insurances knowing that the way they are positioned and funded will protect me and my family for any unforeseen negative events.

8

I am confident that my estate planning documents and beneficiary designations are all set up to maximize the benefits that my family receives.

9

I am well qualified or utilizing professionals that are well qualified to give the best possible advice for my retirement, investment, estate and tax planning.

10

My retirement planning is set up (by me or my advisor) in a way that requires little daily, weekly or monthly attention so that I can enjoy life to its fullest.

As I consider everything that will allow me to live most comfortably during my retirement, the thing that keeps me up at night is:

Thank you for completing the Retirement Certainty Scorecard™.

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MARKET COMMENTARY

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April 21, 2014 / The Markets

The Markets

Weekly Market Commentary

April 21, 2014

 

The Markets

 

“Donetsk is a British city! God Save the Queen.” In a parody worthy of The Onion, an online poll suggested citizens of the Ukrainian city of Donetsk would like to secede and join Britain. The city, which was founded by Welsh steel worker John Hughes in the 19th century, has been the site of conflict between pro-government and pro-Russian groups recently.

 

Ignoring the Donetsk poll, which showed 61 percent of citizens favored accession to Britain, the European Union, the United States, Ukraine, and the Russian Federation reached an agreement on Thursday to “Refrain from any violence, intimidation, or provocative actions… All illegal armed groups must be disarmed; all illegally seized buildings must be returned to legitimate owners; all illegally occupied streets, squares, and other public places in Ukrainian cities and towns must be vacated.” Russia’s Micex index closed higher on the news; however, the gains may be short-lived as pro-Russian separatists refused to comply and continued to occupy government buildings in nine cities and towns in eastern Ukraine (including Donetsk).

 

Just across the Asian continent, China missed its government’s target for economic growth (7.5 percent) during the first quarter of 2014, although it exceeded the expectations of economists who had estimated growth at 7.2 percent. The country’s gross domestic product (GDP) grew by 7.4 percent.

 

In America and across the globe, news of conflict in Ukraine and slowing growth in China were trumped by positive economic data and the Federal Reserve’s reassurance it was committed to keeping interest rates low for some time. The majority of indices tracked and reported by Barron’s International Recap showed gains for the week.

 

Data as of 4/17/14

1-Week

Y-T-D

1-Year

3-Year

5-Year

10-Year

Standard &   Poor’s 500 (Domestic Stocks)

2.7%

0.9%

20.2%

12.6%

16.5%

5.1%

10-year Treasury   Note (Yield Only)

2.7

NA

1.7

3.4

2.9

4.4

Gold (per ounce)

-1.4

8.1

-6.7

-4.5

8.3

12.4

DJ-UBS Commodity Index

0.9

9.5

5.7

-6.8

4.7

-0.8

DJ Equity All REIT TR Index

2.1

10.4

2.1

11.1

22.2

9.7

S&P 500, Gold, DJ-UBS Commodity Index returns exclude reinvested dividends (gold does not pay a dividend) and the three-, five-, and 10-year returns are annualized; the DJ Equity All REIT TR Index does include reinvested dividends and the three-, five-, and 10-year returns are annualized; and the 10-year Treasury Note is simply the yield at the close of the day on each of the historical time periods.
Sources: Yahoo! Finance, Barron’s, djindexes.com, London Bullion Market Association.
Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. N/A means not applicable.

 

It May Not Come As A Surprise To Learn Men and Women have different priorities and worries. A recent survey by U.S. Trust found wealthy women – those with $3 million or more in investable assets – have goals similar to those of wealthy men, but they prioritize differently. The survey reported:

 

“Women create and control an increasing share of wealth and have a powerful economic influence in the workforce and at home – as business owners, executives, investors, philanthropists, consumers, caregivers, and role models for the next generation. They have a distinct perspective and set of behaviors, shaped by their experiences, upbringing, outlook, and goals that uniquely affect their income, financial security, wealth, and wealth planning needs.”

 

For example, when it comes to investing, almost two-thirds of women surveyed think it’s important to consider the social, political, and/or environmental effects of the companies in which they invest (42 percent of men share this belief). In fact, more than half are willing to accept a lower investment return if they believe the company in which they’re investing has a positive social impact. Close to three-fourths simply don’t want to invest in companies that have negative social or environmental influences.

 

On the family front, more than a third of women indicated they devote more time to caring for aging parents and other relatives than do their spouses. In some cases, women said care giving has affected their career advancement and/or income levels; however, relatively few have taken time to calculate the monetary value of the time they’ve spent providing care.

 

A 2013 Congressional Budget Office report estimated the economic value of caregiving for older Americans was about $234 billion in 2011. It arrived at its estimate by multiplying $21 per hour (the average wage of a home health aide in 2011) by 11.2 billion hours of donated care. Despite the cost, or perhaps because they don’t understand it, the vast majority of survey participants had no formal plans in place to provide for family members who might need support.

 

When it comes to taxes, a lot of people – male and female – are perplexed. Three-fourths of women are unclear about the effects of tax law changes on investments and income (as compared to 62 percent of men). Regardless of confusion, high net worth investors of both men and women felt pursuing higher returns was more important than letting tax matters determine their investment choices.

 

Weekly Focus – Think About It

 

“My mother said I must always be intolerant of ignorance but understanding of illiteracy. That some people, unable to go to school, were more educated and more intelligent than college professors.”

–Maya Angelou, American author and poet

 

Best regards,

Kelly P. Campbell, CFP®, CMFC®, ChFC®, AIF®

 

P.S.  Please feel free to forward this commentary to family, friends, or colleagues. If you would like us to add them to the list, please reply to this e-mail with their e-mail address and we will ask for their permission to be added.

 

Securities offered through LPL, Member FINRA/SIPC

 

* This newsletter was prepared by Peak Advisor Alliance. Peak Advisor Alliance is not affiliated with the named broker/dealer.
* The Standard & Poor’s 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. You cannot invest directly in this index.
* The Standard & Poor’s 500 (S&P 500) is an unmanaged index. Unmanaged index returns do not reflect fees, expenses, or sales charges. Index performance is not indicative of the performance of any investment.
* 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. Investing involves risk, including loss of principal.
* Consult your financial professional before making any investment decision.
* Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
* Stock investing involves risk including loss of principal.
* To unsubscribe from the Weekly Market Commentary please reply to this e-mail with “Unsubscribe” in the subject line

 

Sources:

http://www.slate.com/blogs/the_world_/2014/03/25/donetsk_activists_in_eastern_ukrainian_city_hold_mock_poll_to_join_u_k.html

eeas.europa.eu/statements/docs/2014/140417_01_en.pdf (or go to http://peakclassic.peakadvisoralliance.com/app/webroot/custom/editor/04-21-14_EEAS-Geneva_Statement_on_Ukraine-Footnote_2.pdf)

http://www.businessweek.com/news/2014-04-18/russia-s-micex-jumps-most-in-three-weeks-on-ukraine-accord

http://www.bbc.com/news/world-europe-27086511

http://www.theguardian.com/world/2014/apr/16/china-gdp-growth-target-fears-slowest-rate-18-months

http://money.cnn.com/2014/04/16/investing/stocks-markets/

http://online.barrons.com/mdc/public/page/9_3063-economicCalendar.html (go to Resource Center » U.S. & Intl Recaps and choose International Perspective Strong data offset Ukraine)

http://www.ustrust.com/publish/content/application/pdf/GWMOL/ARS7ME57.pdf

http://www.ustrust.com/publish/content/application/pdf/GWMOL/UST-Key-Findings-Report-Insights-on-Wealth-and-Worth-2013.pdf

http://www.cbo.gov/sites/default/files/cbofiles/attachments/44363-LTC.pdf

http://www.brainyquote.com/quotes/quotes/m/mayaangelo148652.html

 

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