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: Debunking Social Security myths
Clarksville, TN – It’s time to shine some light on common Social Security misconceptions to help you get the most from your hard-earned benefits.
Myth #1 – Social Security won’t be around
FACT – Social Security is replenished by working Americans, interest on its bonds and taxes on some retiree benefits. Should the existing surplus be depleted, future retirees may be paid a portion of the benefits promised, but not zero.
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Frazier Allen: To be or not to be – in debt
Clarksville, TN – Life’s long and winding road generally includes plenty of side trips on the way to a comfortable retirement. There may be homes to buy, children to raise and educate, careers to pursue, a vacation here and there.
When done strategically, borrowing can help you address those needs – like purchasing a home – without derailing long-term goals, such as a comfortable retirement. The key is to consider how the loan will work within your overall financial picture, taking into account each factor including the interest, duration and regular payments.
There are several factors to weigh when considering when to borrow.
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Frazier Allen: Talking about Debt
Clarksville, TN – Most of us have had to deal with debt at some point in our lives, yet it still seems to be one of those taboo subjects no one wants to talk about – whether with friends, family or romantic partners. All the while, it may be more common for couples today to enter into relationships with debt, from student loans, credit cards or loans for large purchases like cars or homes.
Whatever each party’s situation may be, being up front early on can help you avoid unnecessary financial and personal conflict down the road.
Don’t let debt be the elephant in your relationship.
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Clarksville Weekly Market Snapshot from Frazier Allen for the week of August 27th, 2017
Clarksville, TN – Next week, the economic calendar picks up, with the important figures (nonfarm payrolls, ISM manufacturing) arriving as market participants get set for the three-day weekend. Consumer confidence figures will cover the first half of the month and are therefore unlikely to reflect much of an impact from Charlottesville.
Second quarter GDP growth is likely to be revised higher in the 2nd estimate (a 2.6% pace in the advance estimate).
Frazier Allen
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Clarksville Weekly Market Snapshot from Frazier Allen for the week of June 7th, 2017
Clarksville, TN – The May Employment Report was generally disappointing. Nonfarm payrolls rose by 138,000 (median forecast: +185,000), while figures for March and April were revised a net 66,000 lower.
Retail payrolls fell for the fourth consecutive month (down more than 80,000 since January, which is more than the total number of coal miners). The unemployment rate dipped to 4.3%, a 16-year low, partly reflecting a sharp drop in the rate for young adults (which could reflect a seasonal adjustment issue, although the trend is clearly lower).
Frazier Allen
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Frazier Allen: Smart Retirement Withdrawal Strategies
Clarksville, TN – For many, tapping into your retirement principal causes some anxiety.
Whether you’re months or years from retirement, work with your advisor to develop a withdrawal strategy that gives you confidence that your money will last as long as your retirement does.
Fortunately, there are flexible strategies that can be used alone or in combination. With each of these strategies, it’s a good idea to start with a conservative withdrawal rate and increase it as your portfolio grows.
Planning ahead for your retirement withdrawal strategy.
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Frazier Allen: Tune in to levels of control
Clarksville, TN – Know what you can tweak to find your ultimate retirement income mix.
As much as some of us would like to control everything, the truth is we can’t. Many retirees harbor a distant fear that their money may not last as long as they need it to.
When it comes to something as important as your retirement income, knowing what you can control and by how much may help save your energy for the things you can change.
Frazier Allen
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Frazier Allen: Retirement choices go Global
Clarksville, TN – If the prospect of a pleasant retirement in an exotic locale appeals to you, you’re in luck because the options for retiring abroad are expanding. The numbers of expat English-speaking communities are growing in countries that offer safety, low taxes, attractive residency options and excellent healthcare facilities.
Life in a foreign land is not for everyone, of course. There is almost certain to be an element of culture shock. However, the attractions of an adventurous lifestyle tip the scales for many retirees. Retirement experts caution against making hasty decisions to move abroad.
More than ever, retirees are finding exotic locales that complement their monetary needs.
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Frazier Allen: Thriving with Special Needs
With thoughtful planning, you can help ensure the future care of a loved one with a disability.
Clarksville, TN – To live a full life, and attain some measure of security and happiness – this is what all good parents want for their children, including those with sons and daughters who have disabilities.
The difference is that families caring for a child with special needs often require special care to color in the details and make that dream a reality.
Frazier Allen
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Frazier Allen: Famous Estate Blunders and How to Avoid Them
These celebrities’ tales are a strong reminder to review your estate plan before it’s too late.
Clarksville, TN – There’s a calm comfort that comes with estate planning: a sense that your family will be taken care of after you pass away (hopefully at a ripe old age). Sadly, it doesn’t always happen that way.
Skipping regular estate plan reviews can lead to forgotten details, and these can create confusion and havoc for your family – or suck them into a time-consuming court case to iron everything out. Unfortunately, that was the case for these high-profile individuals and their loved ones.
Frazier Allen
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