• The Cruel Math of Big Losses
  
  When you suffer a very large loss, you need a gigantic gain to get back to where you started.
• A Historical Look at Recessions and Stock Market Returns
  
• The Cost of Missing A Market Rebound
  
• Avoiding Bear Market Mistakes
  There’s little doubt about it - when financial markets are on the rise, the desire to invest grows. And when markets decline investors tend to do nothing... or worse -  run for cover.
• Bill Gross article
  Bill Gross article tittled: Winning A Different Horse Race.

• About Us - Our Firm's Brochure
  
• St. John Selected as leading Wealth Manager in Southeast
  
  St. John & Associates, Inc. was selected as one of the Leading Wealth Management Firms of the Southeast United States for 2009, and has been published in the July 13th issue of Forbes by Goldline Research. Here is the link to the Forbes publication:
• Forbes Publication

• General Commentary - 2nd Quarter 2010
• General Commentary - 1st Quarter 2010
  
• General Commentary - 4th Quarter 2009 and more
  
  This is our General Commentary that is provided to all our clients each quarter in addition to their personal financial commentary and quarterly management report. This report includes year-end and 2010 comments and observations.

• Economic Revival Shown Less Robust
  
  The U.S. economy's third-quarter rebound was more tepid than originally believed, the government said, though Federal Reserve officials slightly marked up their expectations for growth this year and in 2010.

• Value of Financial Planning study
  A new Financial Planning Association survey sponsored by Ameriprise Financial and conducted by Harris Interactive shows how critical the pairing of a professional financial planner and the creation of a comprehensive financial plan can be to an individual’s long-term financial success.
  
  The Bottom Line: Among the Self Directed, Advice Supported and Comprehensive Planning Participants, those who use a paid financial planner and have a comprehensive written plan feel more confident in their future and their ability to achieve their goals.  Even when most people believe the economy is on the wrong track, Comprehensive Planning Participants feel in control of their financial futures.
  
  
• Sample Personal Financial Plan
  This is a very comprehensive plan. This is posted here to demonstrate the capabilities of our financial planning platform and is not necessarily representative of what each client's Personal Financial Plan will contain.

• Guide to Sample Personal Financial Plan
  This guide explains further how our Personal Financial Goal Plans - what we call a LIfestyle  plan - is developed.
   

• Periodic Client Discussion - ROTH Conversion
  Here are the handouts for the August topic - The Roth Conversion Conundrum.
• Playback of Periodic Client Discussion on the Roth 
• Part 1
  Part 2
  Part 3
  
  
• Periodic Client Discussion - Mortgage Market
  Here are the handouts for June. This one is a discussion about the changes in the mortgage market.
• Periodic Client Discussion
  Here are the handouts for our periodic Monthly client topic. For May it is an overview of the new healthcare reform bill that passed congress.
• Playback of Periodic Client Discussion - HEALTHCARE REFORM
  Here is the recorded playback of our May Healthcare Reform review.
• Periodic Client Discussion - TAX PLANNING
  Here are the handouts for our Monthly client topic. For March it is Tax Planning.
• Playback of Periodic Client DiscussionHere is the recorded playback of our March Tax Planning workshop.
• Peridic Client Discussion - New Portfolio Design
  Here are the handouts for our Monthly client topic. For February it is an introduction to our New Portfolio design.
• Playback of Periodic Client Discussion
• Here is the recorded playback of our February New Portfolio Design workshop
  

• Financial Planning Newsletter
  This is our periodic financial planning newsletter. You may subscribe by going to the Contact Us page and sending us a request and your email address. We try and keep it current and useful.

• Income Tax Key Numbers 2010
  Changes to Key Tax numbers are detailed here in this report.
• Important Tax Changes From the Stimulus Bill
  There are plenty of new tax provisions in the stimulus bill that you need to be on top of. Here we cover the AMT, the newly revised Hope credit, new estimated tax rules, COBRA, the first-time homebuyer credit, energy tax credits, new reverse mortgage limits, and more.

• Tax and Legislative Changes
  Many tax changes went into effect January 1st of last year. More changes are coming this year. We will be updating those changes for this report later. Meanwhile here is where we've been.
  

Financial Items of Interest

• Life Insurance : To Replace or Not?
  Authored by Clark Gould