About: Frazier Allen 
Frazier Allen, WMS, CRPS, Financial Advisor with F&M Bank
50 Franklin Street | Clarksville, TN 37040 | 931-553-2048
Web Site: http://www.raymondjames.com/frazierallen
Email:
frazier.allen@raymondjames.com
Frazier Allen's Articles:
Clarksville Weekly Market Snapshot from Frazier Allen for the week of May 29th, 2017
Clarksville, TN – Next week, a number of important economic data reports will arrive, but the focus is expected to be on the May employment figures. Recent labor market data suggest that the tight job market has grown tighter still.
Over the next several months, the pace of job growth is expected to be restrained by a lack of qualified workers. The unemployment rate is likely to remain low (it was 3.9% in April).
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Frazier Allen: Eight Estate Planning Essentials
Clarksville, TN – Here is an overview of eight different documents you may need to prepare for yourself and your family. Talk to your advisor about navigating this process.
1. Last Will and Testament
A legal document used to distribute property to heirs, specify last wishes, name guardians for minors and identify who is responsible for managing the estate and implementing your wishes. Every adult needs one. If you don’t specify who will take care of your children and who gets your possessions, the state will specify.
Frazier Allen
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Frazier Allen: Eight moves to whip your Tax Strategy into shape
Get Financially Fit
Clarksville, TN – Tax season isn’t the only time you should be mindful of your taxes. Challenge yourself to tone up your tax strategy and help you keep your taxes in top form year-round. Of course, also be sure to consult your tax professional and financial advisor.
1. Find A Trainer
You’ll want a heavyweight tax professional in your corner. Don’t have one? Ask your financial advisor, other professionals, friends and family for a recommendation and get interviewing. You’ll need a tax trainer to keep you focused.
Frazier Allen
Frazier Allen: Dealing with Divorce
Clarksville, TN – Parting ways with a spouse can be stressful and challenging, and navigating the process requires careful planning to answer questions like: Where will you live? How will this affect your children? How will the divorce impact your financial future?
These questions may lead to difficult conversations, but they’re worth having, no matter how overwhelming the prospect of life on your own may be. The answers will help you better navigate the legal, financial and emotional issues to come.
Start by building a team that will see you through the emotional aspects and keep your best interests top of mind.
Frazier Allen
Clarksville Weekly Market Snapshot from Frazier Allen for the week of December 31st, 2017
Clarksville, TN – Next week, the ISM surveys have some market-moving potential and we should receive anecdotal information on the strength of holiday sales, but the focus is expected to be on the employment figures.
Seasonal adjustment is a bit quirky in December and can easily magnify the normal statistical noise in the job market figures (as a reminder, the monthly change in nonfarm payrolls is reported accurate to ±120,000 and the unemployment rate is reported accurate to ±0.2%). Market participants are likely to focus on average hourly earnings, which can be noisy.
Frazier Allen
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Clarksville Weekly Market Snapshot from Frazier Allen for the week of December 17th, 2017
Clarksville, TN – As expected, the Fed raised short-term interest rates for the third time in 2017 (market participants were more focused on the progress of tax legislation).
The dots in the dot plot did not shift much from where they were in September and were all over the place for the end of 2018 and 2019 – meaning that there is no clear consensus on the pace of policy action (and bear in mind that personnel changes mean that many of these dots will be replaced in 2018).
Frazier Allen
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Frazier Allen: Do Risk and Retirement Mix?
Clarksville, TN – Adding more stocks to your income plan may help offset low interest rates and inflation.
We live in unusual times, with interest rates at historical lows but likely to rise in the not-too-distant future, stocks trading at what some consider elevated levels driven by a years-long bull market, and investors scouring the pronouncements of central banks for clues to what may happen next.
However, one thing remains unchanged – those in or near retirement still have to map out a prudent strategy for generating income in the years ahead.
Frazier Allen
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Clarksville Weekly Market Snapshot from Frazier Allen for the week of November 28th, 2017
Clarksville, TN – Next week, the economic calendar picks back up and the Senate returns to work on its version of a tax-cut bill.
However, the focus is expected to be on Jay Powell’s Fed chair nomination hearing. Powell is unlikely to speak about the near-term policy outlook (what the Fed will do in December), but lawmakers will ask about his broader approach to monetary policy and banking regulation (expect vigorous questioning from Senator Warren, but he should eventually receive approval in a full Senate vote).
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Frazier Allen: Where Medicare Falls Short
Clarksville, TN – Medicare provides a lot of coverage, but it doesn’t cover everything.
It’s never too early to start thinking and planning for retirement, especially when it comes to the top three expenses: housing, transportation and healthcare.
Even with Medicare, quality healthcare can come with a hefty price tag with premiums, copayments, deductibles and other out-of-pocket expenses to account for.
Frazier Allen
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Frazier Allen: Help your money last with these 7 tips to generate a retirement paycheck
Clarksville, TN – With retirement within sight, now’s the time to figure out how to turn your savings and investments into a paycheck – so you can live comfortably and still achieve your goals.
For many, the challenge is easier said than done, and comes alongside fears of spending too much now and not having enough later or the worry of denying yourself if you don’t spend enough.
Here are seven ways to help you get and stay on the right track.
Frazier Allen
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