Townsend sends out quarterly newsletters covering many aspects of financial planning. These newsletters provide wealth management and retirement planning information and are available free of charge to both current and prospective clients. The newsletters include a market commentary, the relative strength of the market, financial articles with additional newsworthy items, an article related to the financial industry and retirement planning, and Cayle’s Connections, a local activity- and event-based update.
Click on the links below to view PDF files of our recent newsletter issues.
Summer 2016 Newsletter
Spring 2016 Newsletter
Our Spring Newsletter is filled with some great news for you to read up on. The market has been causing several people to become anxious; however take a moment to read through Jeff Townsend’s market commentary and hopefully you’ll find some comfort in knowing a little more on the economic outlook and finding the US economy has a history of resiliency. As always we encourage our clients to call us whenever they are in doubt or would like to question something they read from the ever trusting internet source. In this issue we also touch on Estate Planning and the benefits of doing it correctly — your future heirs will thank you! Recently we’ve come across the topic of ‘downsizing’ and if that is the right option for you — not only is it the right option, but once you decide to downsize, should you rent or buy? In this article we weight out a lot of variables to help point you in the direction that will best serve you. The daunting task of downsizing is always one to think about; therefore outside of the article we provided you with a few tips and tricks to follow — hopefully you find them helpful.
The beginning of the year always seems to be a little slower than normal with our clients recovering from the holidays and getting back into the swing of their normal routines. But we are starting to pick back up with our events and activities — be sure to check out the client corner! We had a few fun trips snowshoeing with clients, Townsend volunteers helped to celebrate children’s birthdays and the Salvation Army’s Lambeth House and we also had a couple clients win a Zamboni ride prior to the Avalanche Game. We hope that you can participate in some of our upcoming events — be sure to check out the website! However if you happen to miss one of our events, but still hoping for that ‘date night’ or to try something new — check out Cayle’s Connections for different outdoor experiences, foods, festivals, theatre experiences and even free things to do around the city. If you do end up trying one of these events out, be sure to share with us your experience — we’d love to share with more clients what you thought.
Winter 2016 Newsletter
The market has frightened several people this quarter, therefore it’s important to read through the quarterly Market Commentary. As always we have included several Newsworthy items for you to take note of — these cover various topics that you may have interest in learning about; Trust Funds, Employment, Oil Outlooks, Long-Term Care and so much more. Next is the hot topic on Social Security and Medicare — our financial planning team here at Townsend spent some time letting you know about the Bipartisan Budget Act of 2015 which will ultimately affect Social Security and how you file for spousal benefits moving forward, be sure to read this brief article to take advantage of their strategies before filing. In addition to their Social Security strategies, our financial planners inform you on changes to the ever so complicated Medicare Premiums — if after reading you have any questions or concerns, please feel free to contact us.
The holidays were a fun time for Townsend — we had several volunteer opportunities where we worked with the Salvation Army. Our Clients rang the bells one chilly December morning and then Jeff Townsend matched all that was donated for a grand total of $11,715.98 towards The Salvation Army. Thank you to our generous clients for their time! In addition to the bell ringing, we held a Toy Drive at our office and we received an overwhelming amount of toys for The Salvation Army to wrap for children’s Christmas presents – incredibly heartwarming to see our clients giving back to their community.
Moving into a new year can be a tricky transition for some; therefore be sure to read through our “Bright Ideas For a New Year” piece — start the new year off by trying something different! And as always, check out Cayle’s Connections for some fun new finds — outdoors, theatre, foods, upcoming festivals and so much more.
Important Disclosure Information
Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Townsend & Associates, Inc. (“Townsend”), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Townsend. Please remember to contact Townsend, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. Townsend is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting advice. A copy of the Townsend’s current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request.