MONTH-2-MONTH is intended to provide you with updates on AFP and timely financial planning and investment information on a variety of topics. 

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Autumn's Arrival

Autumn seems to start a little bit later every year. With hot, humid days now the norm until well past the midpoint of September. This year’s autumnal equinox quite literally brought the start of the fall season to Ohio, as we were treated to one more blistering 90 degree day on the last official day of summer. However, cool fall weather has finally arrived and with it comes shorter days and fall activities. Why not treat yourself to something pumpkin spiced and some evenings sitting around a roaring fire with loved ones? 


  • Covid Policy Update We are hosting in-person meetings with clients that have been fully vaccinated with a booster shot. We will continue to conduct meetings via Zoom as well for those clients that prefer it. Please make sure to indicate your preference for either a Zoom or an in-person meeting when scheduling.

  • Mail Issues – We have been getting our mail with more consistency recently, however delivery is still somewhat sporadic. Please keep this in mind going forward when sending us mail, as it may take a while for us to receive it.

  • AFP Webinars – There will be no webinar for September. October's webinar will cover Long Term Care with Natalie Murch and will be the last AFP webinar for 2022. We will be sending out an invite for next month's webinar in the coming weeks.

  • AFP Website Webinars Page – Visit our website to view all of our previous webinars. All future webinars will be posted here as well. Click here to view.

  • 25 Year Celebration Update – Thank you to all those that attended our 25th Anniversary Celebration! It was great seeing all of you and we hope you had as good a time as we did. We also want to thank everyone that called, sent cards, and gifts!


  • Orion Portal Update – For those clients with Orion Portal access, the Orion Portal will be updated effective the night of September, 23rd. If you have existing access to the portal, your credentials will not be effected. The portal now has a streamlined look and a document vault. We will be providing some reference information to assist with navigation. Expect this in your inbox soon.

  • Agreement Updates – In April/June we sent out a number of revisions to our agreements. We have received most of them back, however a few of them are still outstanding. If you have a contract update from AFP that you have not returned, please make sure you get it sent to us as soon as possible.

  • Beneficiary Updates – Now is a good time to check that your beneficiaries are up to date. We have been contacting clients to get theirs updated, with mixed success. Please double check to make sure your beneficiaries are current.

  • Tour of Homes – GHMC Historical Society will have their Tour of Homes on October 2, 2022. Teri is a board member and serves as a trustee for the organization. For more information, visit

Click below to read our September 2022 Blog edition.

Women's Financial Security is Still Under Control

We would enjoy receiving your feedback on our Blog. Please share any comments or suggestions for future topics with us via email.

+ Teri's World

Training for the Nationwide Children’s Hospital Half Marathon ramped up this month with long runs on Saturday mornings. My goal every year is to simply finish. I am not really where I should be, according to the training schedule, but quite frankly, in years past that has never stopped me from trying. The cause is worth a little pain. You’re welcome to come downtown to cheer on the runners on October 15th. I hope to be one of them! A friend of mine and I went to see Gordon Lightfoot at the Riffe Center. It was great to see him perform songs I’ve listened to for years. Another fun development this month is the preparation for new puppies for Gene and I. We are picking up 2 sisters out of a litter of 10 on October 1st and we were able to meet them for the first time last week. Tucker is anxiously awaiting his new playmate. He had surgery earlier this month to remove several skin tags.  

+ Nathan's Notes

This month we took a trip down to the Lynchburg, Virginia area to visit with my wife Lisa’s family. We spent some time at Smith Mountain Lake, where the girls loved the swimming pools and the beach, and we also spent some time in the Appomattox area. Lisa’s parents bought a new boat the week after we were there, so we’ll have something new to look forward to next time! We also took a visit to the zoo last week, where we enjoyed watching the cheetah run!

+ Tracey's Time

Our Labor Day camping trip was a rain out. We went to Salt Fork State Park but came home a day early after having a tire issue and plenty of rain. We did get in one round of golf and a Friday evening campfire before the wet weather’s arrival. Salt Fork is the largest State Park in Ohio and offers many activities for visitors including camping, hiking, boating, and golf to name a few. There are historic sites plus lodge and cabin accommodations in the park. If you have never visited Salt Fork, it is worth the trip. Just be sure to go in fair weather conditions. 

Cayleigh is settling into the school routine and golf season will be wrapping up soon. She attended the homecoming dance with friends. The dance venue was the track in the high school football stadium. High heels were not permitted, so she chose to wear combat boots!

+ Erik's Exploits

September has proven to be something of a mixed bag for me. I was able to kick off Labor Day weekend by attending the OSU v. Notre Dame game with my dad. The atmosphere was electric and the teams treated everyone to a great game. I was able to spend some time with friends that Sunday and Monday. However the fun more or less stopped there as I caught a cold soon after. I was fortunate not to miss any work, but it was a miserable couple weeks. While I’m not contagious any more, I’m dealing with the after effects as I still have a bit of a cough.

Current Economic and Investment Information

ZOMBIES – It’s estimated that 17% of companies based in industrialized economies have been able to stay in business during the pandemic (and avoid bankruptcy) largely because of access to low interest rate debt. (source: Committee on the Global Financial System)  

PRESCRIPTION DRUGS – The Inflation Reduction Act allows Medicare to negotiate directly with drug companies to lower prices on 10 prescription drugs beginning in 2026. This also includes inflation caps on the drugs it purchases. These changes are estimated to produce $288 billion in savings over the next decade. (source: Senate)

IT STARTS OUT WEST – In 2021, California had 563,070 registered electric vehicles (EV). This accounts for 39% of the total number of EVs in the US. No other state had even 100,000 registered EVs. (source: National Renewable Energy Laboratory).

MADE ALOT OF MONEY – The split of 'up' and 'down' trading days in the US stock market over the last 50 years (1972-2021) was a 53/47 split, respectively. In other words, despite the "every-other-day" volatility, the S&P 500 still generated an +11.1% per year return (source: BTN Research).

THIS WILL CHANGE IN THE FUTURE – Of the 128 million households in the USA, 91% own at least one vehicle, a total of 250 million. Of that total, 2 million of those vehicles are electric cars and trucks. (source: Census Bureau).

MAYBE, MAYBE NOT – There are currently 37 states that do not levy taxes on Social Security benefits. The remaining 13 states may or may not tax these benefits, depending on factors like total income. (source: USA Today)

Inflation and the Economy

Since Russia’s invasion of Ukraine, the effects of energy supply

disruptions are cascading across everything from food prices to

electricity to consumer sentiment.

Click here to view the source.


Riding Out the Solo Tsunami

Eight Planning Considerations for Clients Aging Alone

Who will help make critical financial and health decisions?

By Cynthia F. Tolan & Shannon M. James


The aging population of baby boomers has been forced to confront myriad medical and financial issues in planning for the last decades of their lives. One of the most striking obstacles is the issue of aging alone. These individuals are referred to by various names: “elder orphan,” “senior orphan” or “solo ager.” Regardless of the moniker, these terms all describe someone without a spouse or life partner (widow or widower) or children (none living) on whom they can depend. Helping senior orphan clients with their critical planning opens opportunities for your business; it also helps ensure they’re taken care of when they’re unable to make decisions for themselves. Here are eight considerations when planning for this demographic.

Click here to continue reading this article.

Adjusting Benchmarks

How to Beat the Stock Market Without Even Lying

Stock funds have been pulling a switcheroo to make their returns look better:

When they don't measure up, they change how they measure.

By Jason Zweig

Source: The Wall Street Journal

You know all that stuff you’ve been hearing for so long about how fund managers can’t beat the market?

It isn’t true. Fund managers can easily beat the market. All they have to do is change which market they’re trying to beat.

Hundreds of them have been doing just that for years. Such maneuvers are perfectly legal—and investors need to fend for themselves, because regulators have so far been paying little attention.

A new study by finance professors Kevin Mullally of the University of Central Florida and Andrea Rossi of the University of Arizona finds that between 2006 and 2018, 37% of all U.S. stock mutual funds pulled this kind of switcheroo.

Click here to continue reading this article.


“Every leaf speaks bliss to me, fluttering from

the autumn tree.”

- Emily Bronte

Alexander Financial Planning
1621 W. First Avenue
Grandview Heights, OH 43212

Registered Investment Advisor
This material is distributed by Alexander Financial Planning, Inc., (AFPI) and is for information purposes only. Although information has been obtained from sources we believe to be reliable, we do not guarantee its accuracy. It is provided with the understanding that no fiduciary relationship exists because of this report. Opinions expressed in this report are not necessarily the opinions of AFPI and are subject to change without notice. AFPI assumes no liability for the interpretation or use of this report. Financial planning, investment conclusions, and strategies suggested in this report may not be suitable for all investors and consultation with a qualified advisor is recommended prior to executing any investment strategy. No portion of this writing should be construed as legal or accounting advice. All rights reserved.
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