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Fine Tuning Your Asset Allocation: 2011 Update

Fine Tuning Your Asset Allocation: 2011 Update

Fine Tuning Your Asset Allocation: 2011 Update

FINE TUNING YOUR ASSET ALLOCATION: 2011 UPDATE

In this issue:

* Fine Tuning Your Asset Allocation: 2011 Update
* When should you start taking Social Security?
* Sound Investing Recent Podcasts
* Advisor Spotlight: Aaron Spencer

Every year, we update an article called “Fine tuning your
asset allocation.” This article and corresponding table
shows the year-by-year hypothetical returns for 11
combinations of investment assets from 1970 through 2010,
as well as the returns for the S&P 500. It has a wealth
of information on it.

One of the most fundamental decisions faced by every
investor is how to allocate a portfolio between equity
funds and bond funds. Just how far should you go in one
direction or the other? That’s what this article is all
about.

You can read more by going to:

Many people want to have a good understanding of how much
they can spend, what type of investment return they need,
and of how these decisions affect their portfolio.

Every retiree has a choice of when to begin taking Social
Security payments. This choice can make a big difference.
Some investors want to start taking Social Security as
soon as they can; however, delaying until at least your
full retirement age offers a wide variety of advantages
that can help maximize your benefit. So which choice is
right for you?

* Ask Merriman: What should I do with my Required
Minimum Distribution if I don’t need it for income?

You can listen to this podcast by going to:

* Special Report: What returns should we expect from
the stock market in the future?

* Interview Series: John Waggoner discusses money
market funds, high yield bond funds, and tech stocks.

Aaron came to us after seven years as a financial
specialist at U.S. Bancorp. He is a CERTIFIED FINANCIAL
PLANNER TM and holds two bachelor’s degrees from the
University of Washington, one in German and one in
economics.

What he likes most about Merriman is the chance to work
with “wonderfully engaging clients” along with a
close-knit group of teammates. “Interacting with clients
every day keeps me sharp, and my co-workers make this a
fun place,” he said.

Aaron does his best to teach the value of patience and
faith in the future, especially during difficult economic
times. “We have found time after time that maintaining
the discipline is the best path, and people who can do
this tend to fare better than those who don’t,” he said.

Aaron’s spare time is dominated by his wife, Dawn, and
their three children, Colin, Sören and Marcella, who are
active in sports and who sometimes lean heavily on their
dad for schoolwork help.

One of the perks of his job, he says, is the challenge
of tackling the wide range situations, concerns, and
questions of his clients. “I find it very rewarding
personally when I can make a significant positive impact
in a client’s financial affairs,” he said.

Read more about Aaron, including articles he has written
Our mailing address is:
800 5th Avenue
Suite 2900
Seattle, WA 98104
What we’re reading Merriman advisor Cheryl Curran just finished what she calls a “big dose of Charles Dickens, A Tale of Two Cities and Great Expectations.” Our Director of Research Larry Katz is reading Cutting for Stone, a novel about a family of Indian doctors living in Ethiopia.
Pick up the latest copy of Paul’s book to learn about Merriman’s approach to investing. While the way we retire has changed significantly over the years, it is just as true as ever that retirement is still about money. If you save and invest wisely today, you’ll have more to spend tomorrow. 
Available at Amazon.com, Barnes and Noble.com or from your local bookstore.Spread the word

Many people want to have a good understanding of how much they can spend, what type of investment return they need, and how these decisions affect their portfolio. Every retiree has a choice of when to begin taking Social Security payments. This choice can make a big difference. Some investors want to start taking Social Security as soon as they can; however, delaying until at least your full retirement age offers a wide variety of advantages that can help maximize your benefit. So which choice is right for you?

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