Market Watch

January 28, 2012 @ 01:40 AM

Dow Jones Industrials 12,660.46- 74.17
Nasdaq Composite 2,816.55+ 11.27
S&P 500 1,316.33- 2.10

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        We the members of The RWC FINANCIAL Group realize that your goals and dreams are unique to you, requiring hands-on individual attention and guidance. Working as a team The RWC Financial Group will help you assess your financial dreams and aspirations, and help identify and prioritize your short and long-term goals.  We are here to provide you with the necessary information you need to make important decisions and address the most intricate of financial concerns.

 

 With your goals in mind, we can help you meet your personal and family needs for asset accumulation, distribution and protection.  If your objectives are providing meaningful, cost-effective benefits for employees and key executives and optimizing tax advantages, we offer an expansive array of innovative services.

 

RWC FINANCIAL takes a hands-on approach, working together with our clients to prepare a plan that considers their own special needs, goals, time frame and risk tolerance.  The combined experience of our members and their knowledge of a wide-range of products and services allow us the unique ability to provide top-quality financial strategies to enhance, protect and preserve client wealth.

Newsletters

Are Consumers Holding the Keys to a Better Economy?

Consumer spending still accounts for about 70% of gross domestic product, but some government statistics suggest that consumers may have reduced spending drastically in recent years, especially on discretionary items. High unemployment, household debt, and a general lack of confidence can affect consumers' ability and willingness to spend.

What Do Price/Earnings Ratios Really Have to Offer?

It's not hard to find the price/earnings ratios of publicly traded companies or even the market as a whole reported in the news. Unfortunately, it may be difficult to understand what the numbers mean without the ability to make meaningful comparisons.

Deciding When to Begin

Waiting until full retirement age (or up to age 70) to claim Social Security may result in significantly higher monthly benefits. At age 62, the earliest age to claim Social Security, the amount received could be only 70% of the benefit received at "full retirement age" (which ranges from age 65 to 67 depending on year of birth).

Rising Popularity of Roth IRA as Retirement Vehicle

Investment in the Roth IRA has been growing dramatically. Fueling the growth of this popular investment vehicle are tax-free distributions in retirement and no mandatory withdrawals due to age. Compare the trade-offs of Roth IRAs with traditional IRAs, including eligibility limitations, annual contribution limits, and withdrawal considerations.

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Lifetime Earnings

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