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  Newsletter Issue: Vol 6 Issue 4
April 2017 
What a Big Tax Refund Really Signals
tax word If you get a large refund from the IRS, you may think that it is an advantage, but it might not be the most effective use of your cash flow. CNBC explains what a big tax refund really signals, and why you may want to avoid one in future years
In This Issue
beach-chairs2.jpg Braces and Relaxing in Retirement
My reason for being a financial advisor began back when I was a kid. I watched my dad take special care of his mother's small pocket of assets so that she could have a comfortable life.  If my dad could use financial strategies for his mom, I could use them for others.
Kristin Rodriguez                       
retireRetirement Planning
CBS MoneyWatch columnist Steve Vernon lists the 7 priorities of retirement planning: Retirement may be the biggest purchase of your life.
Registered Representatives. Securities offered
through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representatives, Cambridge Investment Research Advisors, Inc. a Registered Investment Advisor.  Cambridge and Symphony are not affiliated.
April Quote
"Chains of habit are too light to be felt until they are too heavy to be broken."

~ Warren Buffet  
Monthly Economic Update
Last month, most of the major indicators affirmed the health of the economy. Stocks went sideways rather than north in March, with the S&P 500 losing just 0.04%. On March 15, the Federal Reserve felt confident enough in the economy to raise the benchmark interest rate to the 0.75%-1.00% range.

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