Stout Bowman Quarterly
Q2: 2016

Welcome to Stout Bowman Quarterly, a newsletter created for our clients, friends, and industry partners. As your financial advisors, we take great pride in keeping you up to date with the most relevant financial news and information. We are excited to bring this first issue to you!
We hope you enjoy. Thanks for making the journey with us!

Stout Bowman Proudly Announces a Charity Golf Event to Benefit the Susquehanna Service Dogs  
  • Scramble tournament
  • Light breakfast refreshments
  • Lunch with prizes to follow
Saturday, September 24th, 8am Shotgun Start

Manada Golf Club
609 Golf Lane
Grantville, PA 17028 

RSVP to Stout Bowman:

*Invitations to follow for current clients of Stout Bowman

Like Exercise, Long-Term Investing Requires Persistence and Patience
Dave Rowan, a CFP from Rowan Financial reflects on the parallels between financial and physical wellness.

"As a lifelong exerciser, I know how important consistent physical activity is to one's health. And as a financial advisor, I see how this concept parallels the benefits of developing and committing to a long-term investing strategy." Click here to continue.
Proposed Department Of Labor Rules: How They'll Impact Advisors and Investors
Paul Vollmar, an advisor at Stout Bowman, highlights new legislative changes to the financial industry and their impact to advisors and investors.

Recently, the U. S. Department of Labor (DOL) issued a new rule requiring just about every professional who deals with retail investors to adhere to a fiduciary standard of practice. A fiduciary standard requires the professional to only provide advice that is in the best interest of the investor, regardless of how the person giving the advice may be compensated. While you would think advisors would already be adhering to such a rule, the reality before this rule was that securities brokers and representatives of products for which a sales commission was paid to the advisor only had to use a "suitability" standard for their advice -- in other words, the sale could be justified based upon a less stringent evaluation of the investor's needs or desires.

This new DOL rule requires no real change to your relationship with Stout Bowman, as we are Registered Investment Advisors, not brokers, and have therefore adhered to the fiduciary standard from Day One. Therefore, if you hear on the news about any turmoil in the financial service industry as a result of this new DOL ruling, rest assured that we don't need a rule to tell us to put your best interest first: we've been doing that all along.
For more information regarding the ruling, Click here.

Where Does the Economy Go from Here?
Chief Economist Brian Wesbury of First Trust shares his insights on the state of the U.S. economy.

He cuts through the "mediated hype" and looks at things from an objective point of view and not a sensational one. He often talks about the "four pillars of economic strength or weakness - monetary policy, tax policy, trade policy, spending or regulatory policy."
Click here to read on.
Quarterly Business Highlight
*These featured businesses are friends or clients of Stout Bowman & Associates. To have your business featured in a future edition of Stout Bowman Quarterly, please email us at
KLOCK ENTERTAINMENT specializes in providing a unique, memorable, and customizable entertainment experience for your special event. When implementing the top DJ talent, multi-media, HD photobooths and lighting, Klock Entertainment is able to take your event to the next level. Click here to visit Klock Entertainment's website today!

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As always, it is a pleasure to work with you, and we thank you for your continued trust and support. We look forward to seeing each of you and your families soon!


Stout Bowman & Associates

In This Issue
Quick Links
2016 IRS Contribution Limits for Common Retirement Accounts

Those 49 and younger in 2016 can contribute up to $5,500 to their IRAs, while those 50 and older will be able to contribute $6,500.

Savers will be able to defer up to $18,000 into these plans in 2016 with an additional catch-up contribution of up to $6,000 permitted for those 50 and older.

SIMPLE IRA The base contribution limit for a SIMPLE IRA stays at $12,500 next year, the catch-up contribution limit at $3,000.

SEP IRA & Solo 401k 
Small business owners have a maximum deferral amount of $53,000 for 2016. As for the compensation limit factored into the savings calculation, that limit will remain at $265,000. The compensation threshold for an employee to be included in a SEP plan stays at $600 (i.e., that worker has to receive $600 or more in compensation from your business in 2016).

Six Things Every College Graduate Needs to Know About Money
Just getting started? Beyond the relative safety of college sits the stressful and sometimes messy world of adulthood. Fortunately, your life can be as prosperous as you want it to be - that is, as long as you put in the work and make good decisions when it counts.

What lessons are the most important for new college graduates to know and understand? Click here to see what they said.

Upcoming Events

9/24 @ 8am
Stout Bowman Charity Golf Event 

This newsletter has links to other web sites as a convenience to our clients. These include links to web sites operated by other government agencies, nonprofit organizations and private businesses. When you link to another web site, you are subject to the privacy policy of that new site.

Matthew A. Stout
Managing Partner
Marc E. Bowman
Managing Partner