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| Services Learn more about the many services we provide: Full Investment Management Coordinated Financial Planning Insurance Coverage Retirement Planning Accounting and Tax Services Payroll Services First Choice Financial Services 4812 State Highway 30 Amsterdam, NY 12010 Phone: (518) 842-2575 Fax: (518) 843-8245 |
| News Engaged? Time to Talk Money By David P. Olsen, CFP If you’re planning to become engaged this holiday season, you are not alone. According to a Modern Bride survey, more than 25% of all couples initiate their plans to tie the knot in November and December. If you’re among the couples who soon will begin wedding planning, it’s important to remember that while your engagement is your first step toward sharing a life together, it’s also the beginning of sharing your finances with someone else. » Read more Dynamics of Energy Usage is Changing By David P. Olsen, CFP The world of energy is undergoing dramatic change. Throughout the 1990s, crude oil prices in the United States averaged $20 a barrel, with highs of $35 during the 1990-91 Persian Gulf War and lows of $11 after the 1998 emerging market crises, according to the Energy Information Administration. Since then, petroleum prices have skyrocketed. » Read more Economic & Market Commentary By Lincoln Anderson, LPL Chief Investment Officer As we approach Thanksgiving, I want to wish you happy holidays and offer my best wishes for you and your family. This is a time when many take some time to think about what they have to be thankful for over the last year. My list is certainly shorter than last year, with all the economic turmoil and fi nancial losses. We all know it has been a very troubled time for the economy and fi nancial markets, so I am fervently hoping to add their recovery to my list next year. » Read more Economic & Market Commentary By Lincoln Anderson, LPL Chief Investment Officer As we wait for indications that the bottoming process is working through, we had another bad week. » Read more Introducing Municipal Securities By David P. Olsen, CFP If you’re interested in keeping more of what you earn out of Uncle Sam’s pockets, you might consider investing in munis. Munis, or municipal bonds, are debt securities issued by states, cities, counties, and other governmental entities to raise money to build schools, highways, hospitals, sewer systems, and other public projects. » Read more Credit Rating Agencies Failed Us By David P. Olsen, CFP The financial industry is getting a wake-up call for a change. Money Magazine once characterized Fannie Mae as “America's safest stock,” with a bullet-proof business model that was “as clean as you'll get to an invincible earnings machine.” In a matter of days, shareholders saw their shares plunge into the penny stock category. » Read more Act Now to Avoid Surprises at Retirement By David P. Olsen, CFP With the future always clouded by uncertainty, planning for retirement is difficult. By understanding and preparing to deal with uncertainty, however, we can still look forward to a future where anything is possible. » Read more Avoiding the Money Pit: Tips for First-Time Homebu By David P. Olsen, CFP Remember the movie The Money Pit where a young couple struggles to repair a hopelessly dilapidated house that literally falls in around them? That 1980s slapstick comedy may not be funny for many first-time homebuyers dealing with unexpected bills that squelch the joys of home ownership. To avoid surprises that could move you from your dream house into the poor house, follow these suggestions: » Read more If Your Debt’s Getting Scary, These Five Steps Can By David P. Olsen, CFP Whether you’re buying coffee and the morning paper at the convenience store, paying for a getaway vacation cruise, or settling your tax bill with Uncle Sam, it’s all too easy to pull out your plastic. For many of us, credit cards have become a little too convenient. In fact, many Americans spend 1.25 times what they make in a year, trapping them in an ever-widening spiral of massive debt. » Read more Can’t Make a Budget Work? Try Filling Your Buckets By David P. Olsen, CFP Whether you are trying to save money or lose weight, there is no one-size-fits-all solution. However, as with dieting, sometimes the financial strategies that work the best are a little bit offbeat, even fun. » Read more
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