The Investment Advisor newsletter, created by Financial Communications Associates over the past 10 years.

Newsletter Samples

The following files include the The Thoughtful Investor newsletter and the newsletter's predecessor, The Investment Advisor newsletter, created by Financial Communications Associates over the past 10 years. To view complete issues of the newsletters, click the issue names below. You will need Adobe Acrobat Reader to view the newsletters.

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Second Quarter 2008 - Articles Include:

Financial News and a Grain of Salt
A Guaranteed Gain
Window Opens to Capture Long-term Gains with 0% Capital Gains Taxes
Contrarian Indicators Can Signal Market Turning Points
Did You Miss America Saves Week ?
Raiding Retirement Plans Costly Source of Cash

First Quarter 2008 - Articles Include:

Emotion and the Investor
2007 Tax Reminder
Health Insurance Options for the Retiree
Appealing Property Taxes
Lessons from the Sub-Prime Crisis

4th Quarter 2007 - Articles Include:

When Good Stocks Go Bad
October through April Historically the Best Time to Invest
Hyman Minsky was Right
Two Vital Documents - A Living Will and Power of Attorney
Is Buy and Hold Really the Answer to Successful Investing?
Make Annual Credit Reports a Priority

3rd Quarter 2007 - Articles Include:

Is Performance the Reason to Go Passive?
Summer Jobs Can Pay Off with a Roth IRA for Youth
Time to Consolidate Your IRAs?
Buy a New Home Or Invest Your Money?
When Ownership Form Matters

2nd Quarter 2007- Articles Include:

Are You the Millionaire Next Door?
More Money to Invest
The Bright Side of Volatility
Anatomy of a Bubble
A New File for Estate Planning
Faulty Logic - Counting on the Lottery

1st Quarter 2007 - Articles Include:

IRA Rollovers Complement a Change of Employment
It Isn’t That Simple - Flaws to Market Predictions
Direct Deposit Your Tax Refund into an IRA
401(k) Retirement Plans Gain Greater Beneficiary Flexibility
Giving It Away Is Easier in 2007
Those Pesky Mutual Fund Taxes

4th Quarter 2006 - Articles Include:

Balancing Risk for Older Investors
The Curious Case of the Changing Frontier
Don't Overlook Roth Benefits
Is Early Retirement in Your Future?
Time and Compounding ar the Investor's Best Friends

3rd Quarter 2006 - Articles Include:

Actively Managed Funds Are Proving Their Value
Who Are Your Beneficiaries?
Summer and the Presidential Cycle
Logarithms and the Financial Market
The Changing Nature of Retirement

2nd Quarter 2006 - Articles Include:

What to Do Before You Retire
10 Reasons to Invest in a Roth
Investing Requires Structure
Contingency Planning in Financial Planning
Documents You Should Have on File
Lower Your Energy Bills and Your Taxes
Become Truly Wealthy
Spotting Fraud and Corporate Misconduct

1st Quarter 2006 - Articles Include:

How Much Are You Worth Today?
Fat Tails and Probability Statistics
Make Your 2006 Retirement Contributions Now
Lessons from Katrina: Minimizing the Financial Impact of a Disaster
How Much Are You Willing to Lose?

4th Quarter 2005 - Articles Include:

Bad Math and Bad Investment Advice
Savings? What Savings?
15 Ways to Cut Your Expenses and Save More
Retirement Accounts Protect Assets from Creditors
Cautions When Investing in Real Estate

3rd Quarter 2005 - Articles Include:

Opportunities for Profit in Difficult Markets
Stay Healthy, You May be Working a Bit Longer
For Graduation, Consider the Gift of Retirement
Take Advantage of Annual Free Credit Reports
The Sector Opportunity
Remind Recipients to Cash In Mature Savings Bonds

2nd Quarter 2005 - Articles Include:

Are You Saving Enough?
Forecasts are Fun, But Unreliable
Market Forces at Work
How to Live a Long, Healthy Life
Pay Long-Term Care Insurance Premiums through Your Business
Why Those Incredibly Good Credit Card Offers Can Be Incredibly Bad

1st Quarter 2005 - Articles Include:

Financial Resolutions for the New Year
Anticipating the Holiday Effect
Why Total Return Matters
Cutting through Market Noise
Do You Have the Humility to Be A Good Investor?
One More Reason to Max Out Tax Deferred Investments

4th Quarter 2004 - Articles Include:

Active Investing Offers Sources of Profits in Sideways Markets
AMT Impacts More Taxpayers
Pity the Children
Mathematics and Investing - Fibonacci Numbers
Health Savings Accounts Are a Must for Investors
Indices Don't Tell the Whole Story

3rd Quarter 2004 - Articles Include:

Will the Election Year Cycle Play Out Once Again

Don't Take the Phisher's Bait

Taxes Are Only One Consideration When It Comes to Investing Lump-Sum Distributions

To Accummulate Wealth, Pay Yourself First

When Variable Annuities Make Sense

For a Richer Retirement, Invest in Your Health

2nd Quarter 2004 - Articles Include:

Removing Emotion From the Investment Decision
Redemption Fee Dangers
Sticking with Cash in Uncertain Markets
Lose those Regrets
Match Loan Terms and Asset Life
Capitalizing on Low Capital Gains Taxes
Did You Miss Opportunities to Lower Your Taxes?

1st Quarter 2004 - Articles Include:

What History Tells Us to Expect in 2004
Problems with Proposed Mutual Fund Reform Solutions
Optimize Tax-Deferred Investments Before April 15
A Will Can Make All the Difference
New Protection Against Identity Fraud

4th Quarter 2003 - Articles Include:

Active Management is Risk Management
Is the Bear Market Over? Experts Differ
Peter Bernstein's Shocking Words
Want to Retire a Millionaire?
Why September and October are Sometimes Tough on the Financial Markets
Do You Know Your Federal Capital Gains Tax Rate?
Eliot Spitzer and Canary Capital

3rd Quarter 2003 - Articles Include:

The Importance of Compounding
Passive Asset Allocations Fall Short
Nobel Laureate Discovers Investors are Irrational
529 College Savings Plan Cautions
Behind the Small Cap Rally
Estate Taxes and IRAs

2nd Quarter 2003 - Articles Include:

Opening Doors
Can Consumers Afford to Fuel the Economy's Recovery?
Strategies for a Secular Bear Market
Why Investors Need Advisors
Tips to Prevent Credit Fraud
When Death is Billable

1st Quarter 2003 - Articles Include:

Patience is the Watchword of Successful Investing
A Question of Trust
Welcome to 2003!
Twisted Thinking - The Downside of Refinancing
Pension Plan Perils
The AMT Trap

4th Quarter 2002 - Articles Include:

The Cause is Found
Asking the "What If" Question
Beyond Bathtub Bubbles
To Lend or Not to Lend
Charity Gone Astray
Use Automatic Payments to Save
Was 1987 a Tipping Point?

3rd Quarter 2002 - Articles include:

Desperately Seeking the Bottom
401(k) Options to Protect Retirement Savings
Move Over for the Econophysicists
Estate Taxes and Ownership
Fixed Income Investing Comes with its Own Risks
Tax Deferred Can Mean More Growth

2nd Quarter 2002 - Articles include:

Cycles and the Investor
Retirement Contribution Limits Are Up
Creating an Investment Plan
For After-tax Investing, Variable Annuities Offer Benefits
Tough Markets Leave Investors Vulnerable to Scams
Fund Expenses, Tax Inefficiency Can Drag Down Returns in Slow Markets
When Savings Bonds Turn Bad

1st Quarter 2002 - Articles include:

Get Ready for the Bull
The Technology Sale of the Decade is On
Enron Corp. Illustrates Risks 401(k) Investors Face
Make Your Retirement Fund Contributions Early
Social Security Adjustments in 2002
Losses May Add Up to Advantageous Roth IRA Conversions
Hedge Funds Are Hot, But Potentially Hazardous
Making the Right Investment Decisions

4th Quarter 2001 - Articles include:

Investors Face Uncertainty, Added Risk as Markets Move Forward
Market Shocks from the Past
Guidelines for Financial Stress
Taxpayers Get a Break
Saving for College - Know the Options
Retirement Record-Keeping
Keep or Toss?