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White papers

The following white papers were developed by the Fragasso team to explain or provide valuable information about investment topics and ideas. We will periodically add new white papers for your use so please check back.

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Preparing for Emergencies

It is often said that there is no excuse for being ill prepared. If you or a family member encountered a sudden situation that posed immediate risk, would you be ready and able to take the appropriate course of action? It is vital to have a comprehensive list of information for you and your family available in the event that an emergency situation arises. This data will provide the critical details to any first responder so that an informed decision can be made to contact the proper parties. The emergency data should contain information on who to contact in the event of medical, household and financial emergencies. Since this list may contain personal and financial information, it should be kept in a safe and secure location that you, your family and those you trust can locate in a time of need. Taking time to ensure that up to date resources are available for unforeseen situations is imperative. Your financial advisor can help provide guidance on items that should be considered. Having this emergency list in place will give you and your loved ones peace of mind knowing that you have information on file for unexpected situations.

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Five Tips to Help You Set and Achieve Your Financial Goals

Everyone has financial goals. The problem is that, most times, achievement of these financial goals can present itself as a daunting and overwhelming task. All it takes is a bit of initiative and proper guidance. The initiative is in your court, but the guidance is something with which a financial advisor can assist. Outlined in this whitepaper are five basic steps that will aid you in your journey. By following all five, you will quickly find that those insurmountable goals are actually quite achievable.

 

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Five Steps on the Road to Retirement

Financial success in retirement is not guaranteed, but it is attainable. Retirees can raise the odds for success by following sensible procedures and adhering to textbook principles of financial planning and management. Bob Fragasso tells you the 5 steps to help you get to a secure retirement.

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Quality of Advice

Do you know the difference between a broker and an advisor? You’re not alone. Many people don’t.
When trusting someone with your financial future, it’s important to know what they can and can’t do for you. Read Bob Fragasso’s white paper that helps outline the difference.

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Pension Underfunding: Why Should You Care

Are you concerned about the pension crisis? Don’t think this crisis can affect you? Bob Fragasso explains how pension underfunding effects every tax-payer. What is the difference between what happened to corporate pension and municipal ones? Can this crisis be averted? Read Bob Fragasso’s insightful thoughts on this topic.

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Nonprofits: A Roadmap for Effective Board of Directors Governance

Nonprofits are an integral part of the community, so it’s critical as a board of directors to recognize and address the challenges they face on a regular basis. Such challenges can jeopardize their existence.
This checklist will help boards of directors to more effectively accomplish their mission and goals and ensure it can meet the challenges, including financial, it will face.

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Being Tax-Wise

Do you know how to be tax-wise? There are many opportunities to harvest money for yourself that otherwise would have gone for taxes by being aware of tactics to employ and opportunities to seize. Learn how in Bob Fragasso’s white paper.

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Investing Like Yale University

Yale’s endowment fund grew from $1 billion in 1981 to $22.9 billion in 2008. Yet, David Swenson, CEO for the portfolio, is equally assured that individuals should not and cannot invest the way he has with Yale’s endowment fund. Do you know how you should be investing?

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There is a Great Future in Oil

Shale is a big industry right in our backyard. Do you know the impact of shale on the U.S. economy? Do you understand the impact that natural gas has on the manufacturing industry? What kind of infrastructure do we need to sustain the growth of this industry? Download our white paper, Great Future in Oil, to help answer some of these questions.

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The Cost of Your Retirement

We work hard all our lives and hope to one day retire and enjoy these years. Do you know if you are saving enough for retirement? Our “Cost of Retirement” analysis will help you answer that question.

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Funding Your Education

We understand that you want the best for your children and grandchildren and having the best college education is part of that path. With college tuition so high, saving for college has never been more challenging.

Do you know if you are saving enough for your children’s education? Are you including inflation in your calculations? At Fragasso, we understand how important it is for you to get the most out of your investments. Download this education expense schedule to see if you are on track.

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Estate Planning: Leaving a Legacy

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Reasons for Optimism: Why Investors Should Believe in the U.S. Economy Again

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Understanding Annuities: Uses, Benefits and Cautions

Annuities can be a valuable wealth accumulation tool, but they are often misunderstood and improperly sold. Download our offer to view a simple breakdown of the uses, benefits and cautions to bear in mind with annuities.

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