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:
Frazier Allen: One of the Easiest Ways to Save for Retirement
Clarksville, TN – There is so much to consider when planning for the retirement you envision, but fortunately one of the most impactful steps you can take is also the easiest: Automating your savings.
Actively moving money into a retirement account each month takes willpower and discipline, and can lead to missed or minimized contributions. By automating your savings directly from your paycheck, you have the opportunity to save for your future in a worry-free way.
Saving early and often can help you reach your retirement saving goals.
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Clarksville Weekly Market Snapshot from Frazier Allen for the week of April 3rd, 2016
Clarksville, TN – In her speech, Fed Chair Yellen indicated that “given the risks, I consider it appropriate for the [FOMC] to proceed cautiously in adjusting policy.” This dovish stance was taken well by financial market participants.
Yellen emphasized that the Fed’s projections (such as the dots in the dot plot) are expectations and “not a plan written in stone.” Fed policy decisions will remain data-dependent, but Yellen stressed that the central bank has a limited ability to respond to downside shocks to the economy.
Frazier Allen
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Frazier Allen: 12 Ways to Revive Your Retirement Savings
If you’re concerned that you haven’t put enough away to retire, you have plenty of company.
Clarksville, TN – If you’re concerned that you haven’t put enough away to retire, you have plenty of company – about one in four Americans feel the same way.1 And while there’s no silver bullet solution, you may be able to catch up – if you’re willing to be realistic and take the steps necessary to get on track.
Let’s address the biggest problem first. If – for whatever reason – you’re just getting started on building that retirement nest egg, you’ve lost some of the advantage of time.
Frazier Allen
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Frazier Allen: Baby-Proofing Your Finances
Review this checklist and prepare for parenthood with open eyes and special financial care.
Clarksville, TN – So, you’re going to be a parent. Exciting? Yes. Scary? Certainly. While finances may seem to be a daunting part of your new, more fiscally responsible life, this is just the beginning of navigating all that having a child brings.
No doubt, you want to be debt-free with a solid retirement plan in place and the ability to take care of college costs.
Frazier Allen
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Clarksville Weekly Market Snapshot from Frazier Allen for the week of March 13th, 2016
Clarksville, TN – The economic calendar was thin. Jobless claims fell more than expected (not too unusual), while the four-week average remained very low (about as low as it can go given the normal labor market frictions). Small business optimism fell in February. The Quarterly Services Survey pointed to an upward revision to the estimate of consumer spending growth for 4Q15.
The European Central Bank surprised the markets by doing much more than expected (lowering interest rates, expanding QE, and making other efforts to boost growth).
Frazier Allen
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Frazier Allen: Double-Check Before Filing Your IRS Return
It may seem like common sense, but going back over the information you enter may be the most important part of your tax filing duties.
Clarksville, TN – It’s tax time. And as you work with your advisor or tax preparer to maximize your refund, or at least minimize what you owe, keep in mind that one of the most important things taxpayers can do to limit errors is to double-check the information they input into software or a printed form.
It may seem like common sense, but going back over the information you enter may be the most important part of your tax filing duties.
Frazier Allen
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Frazier Allen: When Will the Market Make a New High?
Clarksville, TN – The equity market remains mired in a troubled spot. Trading over the past 30 days saw a meager counter-trend rally of +4.3% on a closing basis. A decline of just under 6% quickly ensued and pushed the S&P 500 to new closing (1829) and intra-day (1810) lows.
Lower highs and lower lows are not a good outcome for the bulls. For the very near term, a counter-trend rally is possible due to oversold internals. However, with plentiful amounts of overhead resistance, a new high for the market does not seem plausible any time soon.
Frazier Allen
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Clarksville Weekly Market Snapshot from Frazier Allen for the week of March 6th, 2016
Clarksville, TN – Nonfarm payrolls rose more than expected in February, while figures for the two previous months were revised higher. At 228,000, the three-month average has remained strong. The unemployment rate held steady at 4.9%, but labor force participation continued to pick up and the employment/population ratio is trending higher.
Hours fell, likely reflecting bad weather (weakness in hours was concentrated in mining, which includes energy exploration, and construction). Average hourly earnings fell 0.1% (following a 0.5% rise in January), bringing the year-over-year gain down to 2.2% (from 2.5%), but the three-month average was up nearly 2.5% y/y.
Frazier Allen
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Clarksville Weekly Market Snapshot from Frazier Allen for the week of February 7th, 2016
Clarksville, TN – The economic data were mixed. The ISM Manufacturing Index remained below the break even level in January, with a pickup in new orders and a softening in employment.
The ISM’s Non-Manufacturing Index slowed more than anticipated. The January Employment Report seemed to have something for everybody. Nonfarm payrolls rose less than forecast.
However, the unemployment rate edged lower, hours moved higher and average hourly earnings advanced – all likely to catch the attention of Fed policymakers.
Frazier Allen
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Clarksville Weekly Market Snapshot from Frazier Allen for the week of January 27th, 2016
Clarksville, TN – Global worries continued, but the U.S. stock market rebounded somewhat after a sharp slide on Wednesday, lending hope to the view that the worst is behind us. Oil prices also improved, but it’s not clear whether the global outlook was helped by higher oil prices or the other way around.
Yields on long-term Treasuries fell on the flight to safety, but that was partly unwound as global worries eased at the end of the week. Investors also took encouragement from European Central Bank President Draghi’s comments that the ECB will review and reconsider its policy outlook in March.
Frazier Allen
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