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November 23, 2011 |
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,
 As we enter the holiday season, we hope you’ll join us in giving thanks for the things of lasting value in your life – your family, your health, your community.
On our part, we remain thankful for your faith in us, and our determination to help you invest according to the values you hold dear, which means investing in the steadiness of the years instead of the variant seasons of our markets. To learn more, check out our most recent Applied Investing Series Letter, “Patient Investing in Uncertain Markets.”
Wishing you and yours the happiest Thanksgiving.
Best,
John A. Frisch, CPA/PFS, CFP
President & Founder
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Patient Investing in Uncertain Markets
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Alliant's Applied Investing Series
In the words of 19th century American theologian Elliott Walter, “Perseverance is not a long race. It is many short races one after another.” Hopefully, you’ve scarcely noticed the long course we’ve run throughout most of 2011, as I shared my “Applied Investing Series” to you in six short installments. Beginning in March and culminating in this final letter, we’ve covered a lot of ground, including: goals-based investing (March), the role of market faith (May), the power of diversification (June), elements of sound fund construction (August) and the benefits of rebalancing (September).
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Student Debt Repayment
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On October 26, 2011, President Obama announced a plan that seeks to help college graduates pay back their federal student loans. The plan is an executive order and does not require approval by Congress. It is scheduled to take effect beginning in 2012.
Despite more aggressive debt shedding by American consumers since the recession, student loan debt continues to grow. According to the federal government, 36 million Americans have federal student loan debt.
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2012 Social Security & Medicare Figures
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COLA will be paid in 2012; Medicare costs rise less than predicted.
If you receive Social Security or SSI benefits, here's some good news--the Social Security Administration has announced that for the first time since 2009, a cost-of-living adjustment (COLA) will be paid. Monthly benefits will increase 3.6% starting in January 2012 for Social Security beneficiaries and starting on December 30, 2011, for SSI recipients. According to the Social Security Administration, the average increase in monthly benefits will be approximately $43.
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About Us:
Located in Woodbridge, VA, Alliant Wealth Advisors was founded to help a select group of families
achieve all that is important to them financially. To achieve our mission
we use a consultative wealth management process, which includes both
investment consulting and advanced planning. Our approach assumes that
every client is unique; every client has varying needs and objectives;
and no two clients share the same risk tolerances, time horizons and
dreams. In addition to providing our expertise we work with clients'
existing advisors and, where there is a gap to fill, we use our own
outside experts in the fields of tax, legal and high-end Insurance.
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