A Message From Your Investment Management Team

One of the pillars of our process for investment management is to position ourselves to protect capital as much as possible. To put it another way, we are managing risk.

First, we have seen 9 years of a nice run in the market. Your portfolio return last year reflected some of that run up. Frankly, it has been more of a sprint than a marathon. Stock prices have become highly valued. When that happens, it is healthy to see some pullbacks from time to time in order to prepare for future up-trends.

We are committed to protecting on the downside and we have evaluated our positions. That is why we have made some defensive adjustments in your portfolio.  We’re anticipating there will be a buying opportunity down the road.

On a positive note, fundamentally the economy is very strong. Earnings for corporations have come in strong. The unemployment rate is low. And the tax cuts for business will assist for additional growth in the future.

In conclusion, we wanted to communicate to you so you know that your investment managers are watching your accounts. We will continue to update you when additional changes take place. As a reminder, do not let the investment performance deter your perspective on your plan and long term goals. There will always be fluctuations and that’s why you hired us.

Thank you for your trust,

 

PFG Private Wealth Management, LLC

Closing A Retirement Income Gap

retirement

When you determine how much income you’ll need in retirement, you may base your projection on the type of lifestyle you plan to have and when you want to retire. However, as you grow closer to retirement, you may discover that your income won’t be enough to meet your needs. If you find yourself in this situation, you’ll need to adopt a plan to bridge this projected income gap.

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John Teixeira – Certified as an Accredited Estate Planner (AEP)

pfg private wealth management

We are excited to announce that John Teixeira was recently certified as an Accredited Estate Planner by the National Association of Estate Planners & Councils (NAEPC). The Accredited Estate Planner (AEP) designation is a graduate level, multi-disciplinary specialization in estate planning, obtained in addition to already recognized professional credentials within the various disciplines of estate planning.

It is awarded by the National Association of Estate Planners & Councils to recognize estate planning professionals who meet stringent requirements of experience, knowledge, education, professional reputation, and character. An AEP designee must embrace the team concept of estate planning and adhere to the NAEPC Code of Ethics, as well as participate in an annual renewal and re-certification process.

Great job John!

PFG Private Wealth Portal

Did you know that you can manage all of your accounts on-line through our Private Wealth Portal?

The portal offers you the ability to:

*View account holdings and values

*View your asset allocation

*Create and monitor a budget

*Check your progress toward your financial goals

*Store important documents and files in the secure Vault

*And so much more!

If you haven’t logged in, ask your advisor for assistance.

2017 Tax Forms

Financial Institutions generally issue 1099s and other tax forms in mid February of each year. You should expect to recevie your tax forms in the mail at the end of February or early March. For accounts held with TD Ameritrade, you can also access your tax forms on-line through their website: www.advisorclient.com