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Preston Galarneau
Deborah Galarneau

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Q3 2015 Newsletter



Second Quarter Newsletter

                As we write this, summer market activity has brought most year-to-date domestic market indices to flat or slightly negative levels. We have seen significant economic weakness in China and Greece finally reached the crisis point which had long been anticipated, putting much pressure on the euro.

Spring Newsletter, First Quarter 2015

Quarter 1, 2015

Year End 2014 Newsletter

Quarter 4, 2014

Newsletter Third Quarter 2014

This Fall, the stock market decided to celebrate Halloween early. For several days, it seemed that witches had taken over Wall Street.

Newsletter Second Quarter 2014

We hope you are enjoying your summer with friends and family. As we look back on the second quarter we continue to see mixed signals from the economy and the markets. The stock market overall turned in a strong performance for the second quarter. Economic news from the Fed released on July 30, showed an annualized growth rate of 4%.

Is a Fixed annuity Right For You?

One of the principal tenets of investing is that no one single investment is right for everyone. Every investment has certain characteristics, risks, and objectives that must match those of the investor, and fixed annuities are no different.

Retirement Income Planning Requires Realistic Spending Assumptions

If you have read any literature on retirement planning or have received advice from a financial professional, chances are you were presented with the 70% rule, the one that suggests that retirees will need between 70 and 80% of their pre-retirement income in order to maintain their standard of living.

Understanding Your True Risk Tolerance is Vital to Portfolio Performance

As anyone would have expected, the extraordinary convergence of extreme stock market volatility, low interest rates, declining home values, diminished retirement savings accounts, and chronic economic sluggishness has taken a severe toll on the American psyche. For many investors, it may have forever altered the way in which risk is perceived and managed.

Finance Lessons for Your Teen

The current economic environment has caused most everyone to reconsider their personal finances with many people having to drastically change their spending and savings habits. Out of this economic malaise may come an opportunity to finally instill the right habits in your teens that can carry them into adulthood on the right financial footing.

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