Schwartz Financial Associates, Inc


701 Route 73 North Suite 6, Marlton, NJ 08053

Phone: (856) 216-0390



January/February 2019

When Safe May Be Risky

Managing one’s retirement savings is like tending a garden; you nurture it so it grows. Then, in the fall, you may want to preserve that bounty to protect it from the elements. Likewise, you may want to preserve your retirement savings through investments* that are typically considered less risky, such as bond and money market mutual funds.** Investment risk, however, may not be the only risk your retirement accounts face. The following two major financial issues affect everyone, especially in retirement.

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Financial Fitness: Challenge Yourself

This New Year, legions of people will pledge to overhaul their lives by eating right, exercising regularly, learning new job skills and more. What you don’t hear a lot about are people who make the ultimate New Year’s resolution — to organize every aspect of their financial lives.

We’ve organized the steps required to help get your financial life in peak condition. It’s not so hard when you take it one step at a time. We are here to help coach you through each monthly challenge.

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7 Ways to Find More Money to Budget

Ever wish you could find extra money to put toward your child’s college expenses or your own retirement? Maybe you would like to take a bucket list vacation or buy a larger home. Whatever your financial goals, finding the money to help pursue them can be challenging, but not impossible. Here are some ways to find more money:

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Seeing Past Frightening Headlines

If you read or hear dire predictions about how underfunded Medicare and Social Security are, you would think retirees will soon be in desperate financial shape. The truth is these programs have served retirees for years, and will likely continue to do so in the future. But the reality is that these programs cannot fully fund your retirement so it’s up to you to help ensure your own retirement security by taking common sense steps today to prepare for tomorrow.

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Major 2018 Tax Changes

As the New Year begins, tax filing time beckons. This year brings new federal tax regulations, so you’ll want to know what deductions and credits are available to you. Consider these tax features:

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Cut Funeral Expenses

Planning funeral services is the last thing anyone wants to do when grieving. That’s why you may want to spare loved ones this task by planning ahead, saving potentially thousands of dollars in the process. Start by discussing with your family the type of services you want.

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Revisiting Your Business Plan

If you’re an experienced business owner, you may think a business plan is something you need only when starting out. The truth is that an updated plan can help business grow and your employees thrive. Here’s how to handle an updated business plan.

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Are You Adequately Insured?

Despite its increasing cost, health insurance typically covers expenses that far outweigh the cost of premiums.

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Registered Representative offering securities through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker/dealer and a registered investment adviser. Cetera is under separate ownership from any other named entity.
Advisory Services and Financial Planning offered through Vicus Capital, Inc., a Federally Registered Investment Advisor.
For a comprehensive review of your personal situation, always consult with a tax or legal advisor.  Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.
Schwartz Financial Associates, Inc and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.