to stay up to date on LPL Financial's weekly market & economic
commentaries!
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| 5 Surprises About Planning For Retirement Income |
Retirement is a major reward you likely strive for when you've spent the majority of your years working. Choosing to retire is one of many serious decisions you'll face that requires a great deal of thought and planning not only before making the transition, but throughout that stage in your life.
Making a plan to coordinate these decisions to ensure you'll have enough income to pay the bills and prepare for uncertainty is critical. No matter what stage of retirement planning you're in, there may be surprises that can catch you off-guard. The more you educate yourself about retirement, the fewer surprises you'll run into when you're older.
Click here for 5 Surprises About Planning For Retirement Income - many you may not have considered in your planning.
If you come across any financial concerns or questions as you journey through retirement, please don't hesitate to call our office at (518) 584-2555.
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The LPL Research team has put together the Midyear Outlook 2019: Fundamental: How to Focus on What Really M atters in the Markets. The outlook provides LPL's updated views of current fundamentals and the things that should persist as shorter-term concerns fade. It also emphasizes the four primary pillars for fundamental investing - policy, the economy, fixed
income, and equities.
As the headlines change daily, we encourage you to look to these pillars and LPL Research's Midyear Outlook 2019 to help provide perspective on what really matters in the markets.
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Summer Vacation Statistics
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52% of Americans are vacationing this summer.
- The average American is budgeting anywhere from two to three weeks' pay.
- 44% of Americans spent more than they budgeted for on their 2018 summer vacation.
- Costs you may not consider include airport meals, resort staff tips, rideshare fares, airline baggage charges and resort fees.
Start your planning early and create a separate travel fund to help lessen your financial burden for next summer's vacation!
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Opening Day at Saratoga Race Course
Get ready for another exciting season of horse racing! The 2019 annual summer meet will kick off on Thursday, July 11th and run through Labor Day on Monday, September 2nd. Keep in mind the Saratoga Race Course is dark on all Mondays and Tuesdays throughout the season this year.
Congress Park Summer Concert Series
Don't miss out on free concerts at Congress Park during the months of July and August! Concerts are held from 7 to 8:30pm every Sunday in July and every Tuesday in August. Grab snacks and a blanket and enjoy an evening of relaxing and free fun!
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Robert Schermerhorn, CFP®
Jamie Usas, CFP®,
Operations Manager
Amanda Friedman,
Wealth Consultant
 Saratoga Financial Services
18 Division Street, Suite 305
Saratoga Springs, NY 12866
Phone: 518-584-2555
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| Stay Connected!  
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We're already halfway through 2019! Though summer is a great time to relax and enjoy the warm weather, it's also a good time to take a look at your to-date financial progress. How are you tracking against those goals you set in January?
A mid-year financial check-up is often overlooked, yet, reviewing the past six months' worth of activity can do wonders for managing your financial goals by year-end. It's important not only to review your accounts, but also take care of important paperwork that needs to be established or updated, like beneficiaries or power of attorney.
We encourage you to click here for 5 things to do in a mid-year review to help you stay on track for the remainder of 2019.
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