Phone: 301-377-9407


Art Interviewed by Mike Causey on Federal News Radio

Mike Causey interviewed me Wednesday on the Thrift Savings Plan (TSP, the 401k for Federal employees and retirees). You can listen to the podcast by clicking here.

What's the Biggest Financial Risk During Retirement?

Worried about running out of money during retirement? Well, that's a legitimate concern. But "running out of money" isn't a very exact term.
Most retirees will never run out of income. They will always have “permanent income” from Social Security (and maybe a pension). What retirees need to worry about is running out of investments and investment income.

A “Starvation COLA” for FERS Annuitants?

President Trump’s budget proposal, submitted to Congress today, would reduce pay and retirement benefits for Federal employees and retirees. The two biggest reductions result from increasing employees’ FERS contributions and eliminating the Cost of Living Adjustment (COLA) for the FERS annuity (pension).

Art Earns 2016 Constant Contact All Star Award for Top 10 Percent of Constant Contact Emailers

Constant Contact recently named Arthur Stein, CFP(R) a 2016 “All Star Award” winner. The annual award recognizes the most successful 10 percent of Constant Contact’s users, based on their significant achievements using email marketing to engage their clients and prospects during the prior year.

Arthur's Investment Seminar Is Open for Registration

Art is an Adjunct Professor at Montgomery College. He teaches investment classes for adults.
His current class is “Where to Invest: Stocks, Bonds, Mutual Funds and ETFs Explained”
Whether you manage your own investments or someone manages them for you, it is important to understand different types of investments. This seminar discusses the advantages and disadvantages of different investments, risks, historic returns, ways to own investments, asset allocation, tax considerations and more.
For instance, are Exchange Traded Funds (ETFs) more cost effective than mutual funds?

Come for the M&M's®, stay for the advice

At Arthur Stein Financial, LLC, we are always looking to provide new client services. Well, we just found a great one.
Our latest offering is M&M's®, Yes, M&M's! In a cute dispenser! No extra charge!
Sure, Arthur Stein Financial also offers investment management, portfolio reviews and retirement planning. But a little chocolate never hurts.
Whether you come for the M&M's® and stay for the advice or come for the advice and stay for the M&Ms®, you will always be welcome.

InvestmentNews Interviewed Art About the Fiduciary Rule

InvestmentNews interviewed me and other investment managers about rumors that the new administration may postpone the implementation of the Department of Labor's Fiduciary Rule. My part starts about half-way into the video.

You can listen to the interview here. My 2013 blog about the importance of being a fiduciary is here.

I oppose the postponement of the new rule. All investment advisors should be required to meet the Fiduciary standard. Investment advisors and stock brokers should always be required to act in their client's best interests. Doctors, lawyers and CPAs are fiduciaries. All investment managers should meet the same high standard.

The Dow Jones Closed Above 20000 and the Reasons Why You Shouldn’t Care

The Dow Jones Industrial Average (DJIA or the “Dow”) closed above 20000 for the first time on January 25, 2016. It was a page one news story in the Wall Street Journal and many other publications. The S&P 500 Index and the NASDAQ set records the same day but did not receive as much attention.
According to the Wall Street Journal, “Applause, whoops and cheers erupted on the floor of the New York Stock exchange.” So it must be important. Right?
Here are some reasons why Dow 20000 doesn’t matter:

2016 in Review

Keeping my clients invested and maintaining agreed upon portfolio allocations is an important part of investment management. Many investors react emotionally to market fluctuations, buying when markets are at or near their peaks and then panicking and selling after markets begin declining or even hit bottom.
And there were many reasons to panic in 2016:

TSP (for Federal Employees and Retirees): Is there a Problem with the I Fund?

Mike Causey recently interviewed me on Federal News Radio. (You can listen to the interview here). One of the main topics of our discussion was the I Fund, which turns out to have low performance even when compared to many other international funds.

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Arthur Stein Financial, LLC ("ASF") is a registered investment advisor ("RIA"), located in the State of Maryland. ASF provides investment advisory and related services for clients nationally. ASF will maintain all applicable registration and licenses as required by the various states in which ASF conducts business, as applicable. ASF renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.

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