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Joel Grams CRPC, CLTC

Financial Planner
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Blog Posts

Living

Do You Need to Catch Up on Retirement? (in Avon-Avon Lake Patch)

What's the best thing about hitting the big 5-0? Retirement is getting closer. What's the next best thing? You can save more money!

Patch's House & Home

Federal Austerity May Trickle Down (in Avon-Avon Lake Patch)

While the impact is not likely to be immediate or particularly widespread, federal austerity—sequester-related and otherwise—could affect state and local governments.

Patch's House & Home

Understanding the Slip in Savings (in Avon-Avon Lake Patch)

The savings rate in January declined to 2.4%, its lowest level since 2007 and the 9th lowest savings rate recorded since 1946.

Real Estate

Will Housing Highs Continue? (in Avon-Avon Lake Patch)

Housing starts surged in December to their highest level since the middle of 2008.

Living

Sandwiched Between Financial Burdens (in Avon-Avon Lake Patch)

You may be familiar with Generation X or Y, but have you heard of the Sandwich Generation?

Funding Treasuries (in Avon-Avon Lake Patch)

The US Federal Reserve is still buying $45 billion worth of Treasuries each month and will likely continue to do so at least through the middle of this year.

GDP Report Doesn't Completely Disappoint (in Avon-Avon Lake Patch)

Though the headlines surrounding the negative GDP number have seemed frightening, the report also had some positive points.

Business

Encore! What Do you Mean "Retirement"? (in Avon-Avon Lake Patch)

The number of workers age 50 and over is soaring—from 20% of the workforce in 1996 to 31% today.

Fear of the Uncontrollable (in Avon-Avon Lake Patch)

Investors these days are hesitant. It's an uncertain world, and they're cautious with their hard-earned money.

Business

#1 in 2012 - Balanced Portfolios Still Correlated Strongly to Stocks (in Avon-Avon Lake Patch)

Understand the sources of risk and return in your portfolio: it's crucial to a strong investment strategy.