Financial Strategies 
Third Quarter 2019
Market Update Third Quarter 2019
U.S. markets had a positive September, which helped offset volatility earlier in the quarterContinue Reading
Diversification: Back and Better Than Everhands_teamwork_puzzle.jpg
Diversification is one of the most commonly used words when describing any type of investment strategy. Continue Reading
New to the Finance Industry? No Problem!seamless_pattern_books.jpg
When Lead Client Service Associate, Valerie Donely started with AFM three years ago, she admittedly did not know much about financial planning or the finance industry in general. Here she shares some of her secrets to learning the ins and outs of our industry. Continue Reading
The SECURE ACT and its Potential Impact on Your Retirement
Some major changes to retirement savings could be coming via legislation in Congress (if it passes). Continue Reading
New Employee Spotlight
We are pleased to announce that Alastair Berry has joined our firm as a Client Service Associate. Meet Alastair
Year-end Gifting gift_box_purple.jpg
Are you planning on making gifts to family or charitable donations from your investments by year-end? If so, please let us know as soon as possible, so that we can help you make these gifts in a timely fashion. The annual limit for non-charitable gifts is $15,000.
Reminder: Medicare Part D Open Enrollment 10/15-12/7 bronze-medicine-symbol.jpg
Medicare Part D plans routinely change their coverage and pricing each year, so it is important to take a fresh look now a your existing coverage, and the options available to you for next year. Before changing plans, be sure to confirm that your drugs are covered, and that your pharmacy of choice works with the new plan. The best tool for shopping Medicare plans is the Medicare Plan Finder, on the official Medicare website.
Required Minimum Distributions due by 12/31/19     cruise-couple-sm.jpg
If you will be age  70 ½ or older this year, you must withdraw the required minimum distribution from your IRAs and qualified retirement plans by 12/31/19, in order to satisfy IRS rules. (If you turned 70 ½ in 2019, you may be able to wait until April 1, 2020, but please discuss this with us before year end). AFM tracks and coordinates RMDs for all accounts held with our firm. However, if you have old 401(k) accounts, employer plans, or "orphaned" IRAs that hold small balances, these need to be considered as well. Please let us know if we can help with any outside accounts and RMDs, and please get in touch with the account custodians sooner rather than later, to avoid the year-end rush.
Have a Child in College? Don't Forget to Fill out the FAFSA   coed-studying.jpg
For the 2020-2021 school year, the FAFSA can be filed as early as October 1, 2019. Whether you have a senior in high school or a returning college student, it's a good idea to file the FAFSA as early as possible to increase your child's chances of getting financial aid, because some aid programs operate on a first-come, first-served basis. (For high school seniors who haven't yet been accepted at a particular college, you can list all the schools your child has applied to on the form.) The 2020-2021 FAFSA relies on your family's current asset information and two-year-old income information from your 2018 tax return. The form is available online at

AFM News & Notes
  • Alex named one of InvestmentNews 20 People Who Helped Shape the Financial Planning Industry
  • Carl is named one of the Forbes Best In-State Next-Gen Advisors for 2019
  • Celebration for Mitch's 10th anniversary
  • Cup of Joe annual charity event
  • Mary Moore & Alex Armstrong attended Commonwealth Financial Network's first annual Summit for Women Advisors
  • Alex is serving on the Investment Committee of the Cosmos Club, as well as Treasurer of the Boys and Girls Club of Sarasota Florida Foundation Board
  • AFM summer event: Crabfest on the rooftop
  • How to Get Help with Anything You Need
    In addition to your financial planner, you have a team supporting you. We have eleven exceptionally talented colleagues ready to assist.

    Financial Planning & 
    Asset Management Team

    Call or email members of the financial planning team if you have questions related to any of the following:
    • The state of the economy or financial markets
    • Your financial plan or to discuss a new planning issue
    • Your portfolio
    • Understanding financial planning, investment, or tax reports
    • Trading issues
    • Email the team
    Operations & Client Service Team

    Call or email members of the client service team if you have questions related to the following:
    • Scheduling appointments
    • Moving money (e.g. deposits, withdrawals, transfers, checks)
    • Account paperwork (e.g. new accounts, beneficiary changes)
    • Questions about accessing your Client360® online portal
    • Changes in contact information (e.g. new address, phone number)
    • Email the team
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