Rogé Report

A Long Term Financial Plan Anchors us to a Solid Foundation

 2nd Quarter-2013 Review & Outlook    The second quarter of 2013 turned out to be relatively flat with stocks up about 2.9%, largely offset by a 2.3% decline in bonds. For the quarter, large-cap stocks rose about 3% while smaller company stocks fared slightly better. International stocks didn’t participate in the quarter and lost about 1%. ...
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Credit Card Strategies for Retirees | By: Rosanne Rogé

One of the essential tasks of a financial advisor is to help prepare an adult for their individual path to retirement. The most important part of this preparation is creating a budget that will enable them to enjoy the fruits of their retirement, while staying within the boundaries of their regular income (pensions, Social Security) and investment...
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The Times They are a-Changin’ | By: Ron Rogé

“Come gather ’round people Wherever you roam And admit that the waters Around you have grown And accept it that soon You’ll be drenched to the bone If your time to you Is worth savin’ Then you better start swimmin’ Or you’ll sink like a stone For the times they are a-changin’.” These lyrics, by...
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With Stocks Soaring, Is it safe to Return to the Market? | By: Ron Rogé

SOME STRATEGIES TO EASE ‘EQUITY ANXIETY’ I have a good friend who lives in Great Britain who is also a financial adviser. I was speaking with him several weeks ago and asked how his business was doing. “Ever since the FTSE [the British equivalent of the Dow Jones Industrial Average] went over 4,000, business has...
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2013 First Quarter Review

By: Ron and Steven Rogé It was a very good quarter for our portfolios. Investors brushed aside worries about Europe’s recession, China’s slowdown, and political stagnation to bid-up the price of stocks and high yield bonds. Having positions in stocks was well rewarded. The S&P 500 increased 11% while smaller company stocks returned 12%. We...
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MicroFinancial’s Potential Is Anything But Micro | By: Steven Roge

February 25, 2013 MicroFinancial, Inc. (MFI) Current Price: $7.42 Target Price: $9.50  Why MFI? Runway for new business remains long and robust Best in-class collections agency within MFI remains hidden gem Conservative management team (leverage only 1:1.1 times) Margins are impressive and sustainable Reasonable competitive moat Proprietary credit software and database gold standard in industry...
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A PARABLE FOR PEOPLE OUR AGE–AND THESE TIMES | By: Ron Roge

February 1, 2013       REMEMBER THE MOVIE, “The French Connection”? It was on TV the other day and I noticed it came out in 1971. I did some quick math and realized that was over 40 years ago. I mentioned it to my wife, Rosanne, and she said I had to be wrong....
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2012 Annual Review and Outlook | By: Ron and Steven Rogé

January 23, 2013 In spite of all the volatility, 2012 turned out to be a very good year. If you were too pessimistic or too cautious, you missed a good market rally. If you are a long time reader of this report, you probably remember us stating time and again that markets climb a wall...
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Important Figures for 2013 | By: Rosanne Rogé

December 28, 2012 An integral part of our planning for clients is our continuous monitoring of new thresholds that affect retirement plan contributions, Social Security taxation and Medicare premiums. Listed below are the figures for 2013. There have been a few changes in pension plan contributions for the 2013 tax year due to cost of...
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