Latest Spring 2017 Quarterly Newsletter In this issue, Tracey Baker, CFP, reflects on current markets as we head into the summer months. Kevin Donovan, CFA, compares performance of "Actively" vs. "Passively" managed funds. Parker Trasborg, CFP, discusses the implications of several common estate planning pitfalls. Read about the tax related benefits that can arise from making Qualified Charitable Distributions. Jessica Ness, CFP, talks about our Day of Service when we partnered with one of our favorite local service organizations for the second year in a row. See how our clients have two different programs to track their CJM portfolios. January 2017 Audio Update Join Tracey, Brian, Kevin and Tim as they discuss CJMs expectations for the markets in 2017, a discussion on small cap equities as well as Tims thoughts on income distributions in retirement. Newsletter & Podcast Archive

The Situation

Ann, a successful government executive, was considering retirement. As a transplant to the DC area, Ann envisioned spending her retirement with her children and grandchildren, but would need to relocate from the DC area in order to do so. Ann was concerned that she would not be able to replicate her pre-retirement income in retirement and was unsure as to how she would generate the income from her portfolio to do so. After attending a retirement seminar and leaving with more questions than answers, she turned to CJM for a second opinion.

The Solution

The first step was to create a balance sheet which included a comprehensive list of assets and liabilities. From there, it was determined that a rental property that was previously thought to be underwater could be sold at a small profit. Compiling pension projections and Social Security benefits, we determined how much income Ann would need to generate from her investment portfolio. CJM then created a customized income plan that would provide Ann with the cash distributions from her portfolio to meet her income needs.

Value To The Client

CJMs analysis provided Ann with the critical information she needed to move on to the next phase of her life. With CJMs experience and guidance, Ann was able to feel confident in her financial ability to retire and to live the life she had always dreamed.

More Solutions

At CJM we understand that no two clients are alike and real world problems require practical and timely solutions. The CJM team brings together the best and the brightest in the areas of investment, tax, insurance, financial planning & wealth management to resolve each clients particular issue(s).