At FSA, we are so grateful to be getting back to a "new normal" at the office. 
We miss getting to see all of you in person but are thankful for the various 
ways we've still been able to connect.

We could all use some good news, and there is some. We've hopefully all 
read and seen stories about the kindness of strangers and the goodness of humanity on the news. Many organizations are coming up with ways to give back to their local community, industry and workforce. These 30 major companies are giving back in big ways. 

One of the ways that we enjoy giving back is finding a way to impact our community, especially during this uncertain time. COVID-19 has had a devastating effect on families that have lost jobs and have struggled with providing basic needs. This month we are offering ways that we can 
give back and help provide basic needs for families in our communities. 

We hope you are staying safe and positive during these times.

The Financial Steward Associates Team:
Marion, Heather, Drew, Lindsay, Harmony, and Santiago
"We should certainly count our blessings, but we should also make our blessings count." Neal A. Maxwell

News and Events
September 2020
Issue #97

Please note that our office hours continue to be 8 am - 4:30 pm daily. We are limiting our in-person meetings but someone is in the office every day monitoring mail and here if you need to drop anything off.

Important Dates:

Our office will be closed on Monday, September 7th for Labor Day. 

Join us for our contactless and virtual food drives from September 14th - 18th. See details below

Weekly Commentary:

The Most Powerful Force In US Politics
The Most Powerful Force In US Politics

Welcome, Harmony!
It is our pleasure to welcome Harmony Dunnick to the team as our new Client Service Associate! Although we aren't sure when you'll be able to meet Harmony in person, she is available to assist in researching your questions or issues, retrieving information for reviews, and supporting you in any of your client service needs. You are sure to be hearing from Harmony sometime soon, so be certain to add to your list of trusted email contacts.

Harmony is new to Colorado and just moved from Minnesota with her husband, 3 daughters, and lab retriever, DeNiro.  Harmony enjoys hunting, fishing, music, and all things outdoors. Harmony has over 18 years of client service experience and is eager to make a difference in our clients' lives at FSA.

Contactless and Virtual Food Drives!

We invite you to join us in our CONTACTLESS Food Drive to support Boulder's Emergency Family Assistance Association (EFAA) or our VIRTUAL Food Drives to support Second Harvest of Silicon Valley and Feeding America.

When: Monday, September 14th through Friday, September 18th
8:30 AM - 4:30 PM daily

Where: Financial Steward Associates parking lot, online, or at your local food bank (see below for details)

How: If you stop by the office, please give us a call at 303-444-5440 to let us know you are here. We will come out to your car and collect your donations from your back seat or trunk.

EFAA's Most-Needed Items:
- spaghetti and pasta
- hearty canned stews and chili
- canned vegetables
- condiments
- shelf-stable proteins (canned tuna and meat, peanut butter)
- dish soap
- toilet paper

Can't make it to our office that week?
EFAA accepts donations online through their Amazon Wish List.

Second Harvest Food Drive information:

Visit our fundraising page to take part in our virtual food drive: 

Every $1 raised helps provide 2 healthy meals for the communities in the Santa Clara and San Mateo counties.

Give to a food bank in YOUR community:

 Feeding America is a nationwide network of 200 food banks and 60,000 food pantries and meal programs that provides food and services to people each year. Find your local food bank.

Or, click here to donate online: Feeding America online donations

Please give us a call or email us at
Resource of the Month
We all know the stock market can be unpredictable. We all want to know, "What's next for the financial markets?"

Variety Pack
Maintaining a diversified portfolio can help you feel more in control during uncertain economic times

The COVID-19 pandemic has certainly tested the resolve of even the most seasoned investors. To help regain some confidence and sense of empowerment, it may be helpful to review a fundamental principle of investing: diversification. Diversification is spreading your retirement savings and contributions among a variety of investments (e.g., stocks, bonds and cash) to help manage your risk of over-concentration in a specific investment or asset class.

Diversification opportunities in your workplace retirement plan
Although diversification doesn't ensure a profit or prevent a loss in a declining market, taking advantage of the range of investment options offered by your workplace retirement plan may help guard your account against major market swings. You don't need to invest in a whole lot of options; just enough to ensure you have a good mix of different investment types.

Many retirement plans offer investment options that include built-in diversification opportunities. We have summarized a few of these below.

Mutual funds
Think of a mutual fund as a basket that contains many different investments - that all have something in common - be it companies that together make up a market index, a particular asset class (such as stocks or bonds, international or domestic) or a specific sector (such as companies in the energy, construction, manufacturing, transportation or technology industries). There are also mutual funds that invest solely in companies that adhere to certain ethical or environmental principles (also known as socially responsible funds). You should be aware that most mutual funds are diversified for one purpose or objective, and are not considered a diversified portfolio.

What's nice about mutual funds is that investors are able to purchase collection of investments that are professionally managed. It's instant, easy diversification that lets you avoid researching and buying stocks or other types of investments one by one.

Asset allocation funds
Asset allocation funds also offer diversification, professional management and monitoring within a single basket of investments. Within this category are risk-based funds (also known as lifestyle funds) that allocate the money in your retirement account among investment options aligned to your comfort with risk. Age-based funds (also known as target-date or lifecycle funds) correspond with the year you expect to retire and automatically invest more conservatively over time as the date approaches.

Managed account or advice services
Some plans offer a professionally managed investment advice service that is personalized for each participant. This may appeal to some participants, especially those who would prefer that someone make investment decisions and selections for them. Most investment advice services provide a customized investment strategy, based on your own unique time horizon, risk tolerance and other financial goals. In addition, they automatically rebalance your investments on a regular basis so that your asset allocation strategy (the percentage of your money that's divided up among stock, bonds and cash asset classes) remains in place according to your wishes - especially important during either a market downturn or rebound.

This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

Kmotion, Inc., 412 Beavercreek Road, Suite 611, Oregon City, OR 97045;

©2020 Kmotion, Inc. This newsletter is a publication of Kmotion, Inc., whose role is solely that of publisher. The articles and opinions in this newsletter are those of Kmotion. The articles and opinions are for general information only and are not intended to provide specific advice or recommendations for any individual. Nothing in this publication shall be construed as providing investment counseling or directing employees to participate in any investment program in any way. Please consult your financial advisor or other appropriate professional for further assistance with regard to your individual situation.

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