Past Articles:

Identity Theft Checklist

Important Message about IRA Conversion Opportunities

Can You Afford Long-term Care Insurance?

About SC&H Financial Advisors, Inc.

Personal Financial Planning is not a one-time event—it is a critical, ongoing process that, if managed well, leads to financial freedom.

At SC&H, we develop complete and flexible plans that are designed to meet your ongoing needs. They are complete, because you need a fully integrated and comprehensive financial strategy that incorporates all of the most important wealth care issues. They are flexible, because milestones in your life such as a marriage, a career change, the birth of a child, a divorce, or a death in the family will require adjustments to your overall financial plan.

To learn more about these services, visit www.scandh.com/fa.

In This Issue:

Message from Greg Horning

Surviving the Zero Interest Rate Environment

Welcome

This month’s issue of Financial Perspectives focuses on the current low-interest rate environment.  As interest rates have declined, many people have expressed frustration and confusion, and wonder how they can maximize their cash investments. While we don’t have a crystal ball, we try to answer some of the questions that have recently been asked by our clients.

As always, feel free to give any of us a call with questions. We are happy to help.

Regards,

Greg Horning
President, SC&H Financial Advisors, Inc.
(410) 403-1512
GHorning@SCandH.com

Surviving the Zero Interest Rate Environment

Take a look at your most recent bank or brokerage statement and examine the rate of interest you are being paid on your cash. If it's not zero, it's likely close to it.

Many of today's investors - especially retirees - are becoming increasingly worried about the low rates of interest being offered on cash deposits, including CDs (certificates of deposit). Since late summer 2006, interest rates have been steadily declining, with the most rapid decline occurring over the past 24 months. Prior to that time it was not uncommon for banks and other financial institutions to offer interest on cash deposits of as much as five percent. Many investors are now asking such questions as:

• Why does this happen?
• When will rates increase?
• How can I get a higher rate on my cash?

Click here to read more

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