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Here is our latest Financial Perspective Newsletter

Ron Kelemen - Tuesday, February 21, 2017

We are pleased to publish our latest issue of The H Group, Inc.|Salem Financial Perspective newsletter.  In this issue we discuss whether or not the stock market is overvalued and why some might say that it is and why others may disagree.  We also explore six ways to financially help adult children and grandchildren and the upcoming “Fiduciary Rule” for retirement plans.  And as always, our popular Team Update.  Click here for a PDF version.  Click here for a web-based version.   Enjoy! Read Entire Article Here

We Are Already Fiduciaries; No Big Deal with the New DOL Rule

Ron Kelemen - Saturday, February 11, 2017
Last June we wrote about the Department of Labor’s (DOL) new Fiduciary Rule.  At that time, it had been in the works for many months, but it finally takes effect on April 10 this year, and a few remaining details take effect in January 2018.
 Read Entire Article Here

Our Periodic Table of Asset Class Performance

Ron Kelemen - Tuesday, January 10, 2017
No single asset class is the best performing year after year. They rotate over time, sometimes dramatically in just one year. Every year we update our "Periodic Table of Asset Classes" or as we sometimes call it, our "Skittles Chart." We also include a balanced portfolio of various asset classes, as indicated by the yellow. As you can see, it will never be the top performer, nor at the bottom because it is a weighted average. To view this fun chart in PDF format,  Read Entire Article Here

Our 4th Quarter and 2016 Portfolio Review

Ron Kelemen - Friday, January 06, 2017

Every quarter we send a report to our clients with our commentary on the economy, financial markets, and changes we have made in most portfolios.  Our 4th quarter report for 2016 includes an overview of the year and our investment outlook for the year ahead.  Of particular interest is our "Periodic Table of Asset Classes" in which we show the performance of the various asset classes over the past 20 years.  Enjoy! Read Entire Article Here

With the leading Indexes doing so well, why is my portfolio not doing as well?

Ron Kelemen - Wednesday, December 28, 2016

We get this question a lot in up markets, but seldom in down or very volatile markets when our client portfolios are more stable and decline less.  If your portfolio were invested 100% in the top performing index, its results might closely track the index.  However, we never construct a portfolio with just one asset class because we believe in diversification.  Individual portfolio performance is a weighted average of the different asset classes. With two equally divided asset classes, an 8% gain in one and a 2% gain in the other results in an average gain of 5%. Read Entire Article Here

Given All the Political and Financial Uncertainties, How Should You Invest?

Ron Kelemen - Thursday, December 15, 2016

While the general direction of the new administration may be known, what it will accomplish is not.  We can also depend on things occurring around the globe that no one anticipates today.  We are sure to have surprises in the next 12 months. Y Read Entire Article Here

Our December Newsletter is Here

Ron Kelemen - Wednesday, December 07, 2016

This issue is different than many over the past 25 years because instead of focusing on relatively timeless planning topics, we focus on recent top client questions.  Plus, we have a little about Mary's retirement reception and our always popular Team Update.  You can access a PDF by clicking here, or you can find a web version at the News Tab of The H Group, Inc.-Salem website.  Enjoy! Read Entire Article Here

Thoughts About Risk and Gratitude

Ron Kelemen - Thursday, November 17, 2016

Life is full of risks.  We can avoid some of them by, say, careful driving and healthy living.  We can transfer the costs of other risks via insurance.  But some risks just can’t be known in advance, avoided, or transferred.  As I approach my fourth week of recovery from emergency surgery and extended hospitalization for a twisted bowel, I’ve been thinking a lot about how random risk can be.  Friends, clients, and relatives can’t believe that something like this could happen to someone as obsessed with fitness and healthy eating as I am.  But it did, and things like this happen to other people all the time. Many have it far worse without the resources I have. The lesson here is to prepare for it if you can (I have good health insurance, and being in good physical shape prevented things from being worse).  More importantly, be grateful for every single day, your blessings, and the people in your life.  I know it’s a cliché, but it only takes something like this to drive the point home.  Finally, even though it seems like the world is falling apart, it’s great to be alive in the 21st Century with its modern medicine.  By the way, I’m getting better every day and have resumed modest walks and work part time.   Thanks to all of you for your well wishes and inquiries, and an extra special thanks to go to my wife, Kathy, and to my amazing coworkers at “Team Salem” who make me proud.  For more of my commentary, please check out Ron and Kathy's Mid-Life Adventures Blog.   Read Entire Article Here

2016 Presidental Election

Brenna Baucum - Friday, November 11, 2016

We know many of you have spent the last couple of days reading. Reading headlines. Reading email forwards. Reading posts and shares on your social media accounts. We wanted to give you our take on the election results this week, and appreciate you making this one of the many things you will read today. Read Entire Article Here

Get Ready for Medicare Open Enrollment October 15

Ron Kelemen - Friday, October 07, 2016

It's that time of year again--the Medicare open enrollment period.  This is the time during which people with Medicare can make new choices and pick plans that work best for them. Each year, Medicare plans typically change what they cost and cover. In addition, your health-care needs may have changed over the past year. The open enrollment period is your opportunity to switch Medicare health and prescription drug plans to better suit your needs.  Given all the changes going on in the health insurance market and with Medicare, it is especially important that you take this enrollment period seriously.  Here are a few key points about open enrollment:  Read Entire Article Here


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