Important News for Our Clients
April Insights


       “ The shortest period of time lies between the minute you put some money away for a rainy day and the unexpected arrival of rain.”   
  Jane Bryant Quinn, Journalist
When we think of the adage “April showers bring May flowers,” we usually think of weather and gardening. But it also applies to investing and planning. While we don’t know when “rainy days” will come, we know they will occur. That’s why the portfolios and plans we put together for our clients anticipate the unexpected.
A well-diversified portfolio built around your comfort with risk can account for and help mitigate some of the impact of market declines. And just as showers can lead to flowers, so down or choppy markets can also lead to strong markets, as we’ve recently seen with the Great Recession yielding to one of the greatest bull markets in history. Rainy days will happen. But the right long-term plan can keep you covered.
The articles below offer timely advice for investors and discuss important retirement topics. The first blog post asks advisors to examine whether their processes meet today’s client standards. The second article offers valuable guidance for women at every stage of their career; for many women, lower pay and longer lifetimes add up to big retirement challenges. Next, we examine how even rich retirees must be mindful of their saving and spending. Finally, the last article lists 20 of the world’s best places to see those beautiful May flowers.

Maureen McShane

Articles of Interest 

Recent research highlights the impact and resulting challenges women face from lower lifetime earnings, along with the fact that women generally live longer than men. It’s important for women to constantly evaluate where they are financially, because they will need to save for a longer retirement. Wherever you are in your career path, this article offers valuable guidance.
It’s not without reason that many retirees are reluctant to dip into their investments. They’ve got a lot of guessing to do when it comes to making their money last. This article has some great ideas for gaining confidence on what you can (and can’t) spend. As always, I’m happy to go over your individual situation and update you on where you stand.
To celebrate the arrival of spring, here are some of the most beautiful and lovely places around the world to see flowers and blossoms. They might be great destinations for your next vacation!
Third-party websites are not created or endorsed by Capital Investment Management, Inc. They are maintained by an unaffiliated third party. Outside third party material may not be regulated under the same standards as Registered Investment Advisors. Capital Investment Management, Inc. makes no representation as to the completeness or accuracy of the information provided, and disclaims any responsibility for or endorsement of, the recommendations made at or content included on the websites referenced herein.
 | Capital Investment Management, Inc. |410-997-6755| |
 Investment Advisory Services Provided By Capital Investment Management, Inc.
Capital Investment Management, Inc., Loring Ward, and Dimensional are unaffiliated entities
Capital Investment Management, Inc. does not specifically endorse any of the web sites listed. They are merely provided as potential resources. Information within this email may change over time based on rules/regulations/data changes and other variables. 
Financial Advisors do not provide specific tax/legal advice & this information shouldn't be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation.
Past performance is not indicative of future results and no investment strategy is free from risk, nor do they guarantee returns