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 June 12th, 2016
Clarksville, TN – Fed Chair Janet Yellen said she was “cautiously optimistic” in her speech on the economy and monetary policy. She expects that further gradual increases in the federal funds target rate will be warranted, but she also stressed a number of near-term uncertainties.
This week, the mid-month economic data releases will be important, especially Tuesday’s retail sales figures, but the focus will be on the Fed.
Frazier Allen
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Frazier Allen: Caring for Your Loved One – The Three Stages of Decline
Clarksville, TN – If you suspect a loved one is experiencing cognitive decline, it’s critical to discuss financial, legal and caregiving plans immediately.
Alzheimer’s is a progressive disease that includes three basic stages: mild, moderate, and severe.
Denial is one serious challenge families often face with Alzheimer’s. Due to the progressive nature of the disease, people with Alzheimer’s and other forms of dementia have a limited window in which they will be able to articulate their wishes for future care, living arrangements, finances, and legal matters.
For this reason, it’s important for families to discuss their concerns and work through this denial phase in the mild stage of cognitive decline.
Start the conversation – Talk with your loved one about financial, legal, and caregiving plans. The earlier planning begins, the more involved your loved one will be in the process.
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Frazier Allen: 10 Early Signs of Alzheimer’s
Clarksville, TN – Early detection of Alzheimer’s disease and other dementias is vital to helping protect the financial future of those affected and their families.
Research shows declining financial skills are among the first symptoms to appear in people with Alzheimer’s, the most common form of dementia. More than 5 million Americans — including 1 in 9 people over age 65 — are living with Alzheimer’s and someone in the U.S. develops the disease every 67 seconds (source: The Alzheimer’s Association®).
Alzheimer’s disease
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Frazier Allen: 10 Symptoms of Caregiver Stress
Clarksville, TN – It’s important to be aware of caregiver burnout. You cannot provide effective care if you neglect your own physical and mental well-being.
Caring for a loved one with dementia can take a physical and emotional toll. As demands grow, caregivers often report feelings of sadness, stress, guilt, anger, isolation, and depression. The Alzheimer’s Association® has prepared a list of ten signs of caregiver stress. A strained caregiver is unlikely to provide quality care to a friend or loved one with dementia.
Caring for a loved one can take it’s toll on the Caregiver.
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Frazier Allen: Multigenerational Memory-Making
Clarksville, TN – With the help of multigenerational vacations, two or three generations of a family – perhaps those spread across the country in today’s mobile society – have a chance to develop special bonds as they share traveling experiences.
A 2014 poll by the American Automobile Association found that 36% of American families planned holiday trips involving at least three generations in 2015, up 4% from the previous year. Also, a network of high-end travel agencies last year named mutigenerational travel the industry’s leading trend for the fourth year running.
The idea of spending vacation time bonding across layers of one’s multigenerational family may not appeal to everyone, but a growing number of families have made the concept increasingly popular.
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Clarksville Weekly Market Snapshot from Frazier Allen for the week of June 5th, 2016
Clarksville, TN – The economic data reports were mixed, but mostly on the soft side of expectations. The ISM Manufacturing Index surprised (modestly) to the upside, boosted by a lengthening in supplier delivery times (anecdotally, many firms had trimmed inventories in anticipation of softer demand, but sales surprised and they are now scrambling a bit to restock).
The Conference Board’s Consumer Confidence Index slid. Unit auto sales were strong, but were supported by an increase in fleet sales (rental cars, etc.). The ADP estimate of private-sector payrolls was moderate strong, with continued hiring at small and medium-sized firms.
Frazier Allen
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Frazier Allen: Will Retirement Require a Passport?
Clarksville, TN – Retirement means different things to different people. Some envision their next chapter taking place abroad. Some want to stay at home for as long as possible. Others worry they may not have saved enough, so retiring elsewhere represents a way to stretch their dollars in areas with lower costs of living, as well as a way to experience other cultures.
Still others may see a retirement move as a new adventure. Whatever the reason, there are many things to consider when deciding whether to unwind in another country or right here in the States.
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Clarksville Weekly Market Snapshot from Frazier Allen for the week of May 22nd, 2016
Clarksville, TN – The FOMC minutes from the April 26th-27th policy meeting showed that “most [meeting] participants judged that if incoming data were consistent with economic growth picking up in the second quarter, labor market conditions continuing to strengthen, and inflation making progress toward the Committee’s 2 percent objective, then it likely would be appropriate for the Committee to increase the target range for the federal funds rate in June.”
However, “participants expressed a range of views about the likelihood that incoming information would make it appropriate to adjust the stance of policy at the time of the next meeting.”
Frazier Allen
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Frazier Allen: The new Social Security claiming rules
Clarksville, TN – Growing up, many of us viewed Social Security as a continuation of our work income, something we’d automatically receive upon retirement. Then reality struck, and we learned there’s more to claiming and receiving Social Security benefits.
So much more. And the strategies to maximize this important source of retirement income can be complicated.
One strategy, known as “file and suspend,” became popular among married couples. The higher earning spouse would file for Social Security benefits once he or she reached full retirement age (FRA) – and immediately suspend them.
Goodbye, File and Suspend. Now What? New rules eliminated this Social Security claiming strategy, but there are other options.
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Clarksville Weekly Market Snapshot from Frazier Allen for the week of May 15th, 2016
Clarksville, TN – The economic calendar was quiet until the end of the week. April retail sales results surprised to upside, with upward revisions to February and March. This ran counter to generally weak monthly sales reports from a number of individual retailers.
March sales were likely distorted (and depressed) by the early Easter. Results reflected strong trends in nonstore retailers (which includes Internet retailers), restaurants (helped by low gasoline prices, but also reflecting a long-term trend of households taking more meals outside the home), and drug stores (which likely reflects runaway prices of pharmaceuticals).
Frazier Allen
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