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(240) 329-3333 / (800) 453‑2105

1380 Dual Highway, Hagerstown, MD 21740 [Map]
97 Thomas Johnson Dr, Suite 201, Frederick, MD 21702 [Map]

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Client Appreciation Picnic

On Saturday, September 22nd, we had our client appreciation picnic at Martin Snook Park.  Leiter's  catered a wonderful spread.  Clients enjoyed the many games of corn-hole, that at times turned very competitive.  We even had a ice cream truck from South Mountain Creamery on hand to dish out their butter pecan, black raspberry and vanilla ice cream flavors.  As part of the event a total of $300 was donated to Breast Cancer Awareness.  Good times were had by all and we thank all those clients...

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Retirement Risks: Excessive Withdraw Risk

Withdraw rates may be excessive, not enough or just about right. One common question for retirees is: How much can we withdraw from our investments for living expenses throughout our retirement?

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Second Quarter Newsletter - Every four years

Every four years the Summer Olympics rolls around and it’s hard to believe that the Summer Games are upon us once again. It seems like just yesterday when Michael Phelps won a record eight gold medals in a single Olympics in Beijing. No matter what the storyline is heading into the Olympic Games, I can't help but stay glued to the television and watch the athletes awe us with their extraordinary feats of athleticism, agility, speed, and calculated recklessness.

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Retirement Risks: What you should know about Longevity Risk

We all dream of a long and healthy life.  Seeing our grandkids graduate from college, marrying, and having children of their own.  Ahh, the family legacy is passed on…longevity. In our last blog we discussed inflation risk but what about longevity risk? Longevity risk is the possibility of outliving retirement assets.  The reality is that people are living longer lives, and placing more demands on our assets to produce a sustained retirement income.

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Retirement Risks: What you should know about inflation risk

Not surprisingly, we all seem to be infatuated with Market Risk, the potential losses of your investments due to those investments losing value. How could you not?  After all, at the very least you get a quarterly statement that clearly states the changes in the value of your investments. But in this instantaneous world we live in more than likely you get 24/7 online access of your investments.  Many in "real time".  To be sure, we are active asset managers and we too spend a large amount of...

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Health Care Costs in Retirement: Some need to know facts

If you are planning to retire soon or are already retired, the 2012 Fidelity Investments estimate of retiree health care costs has some valuable information. For instance, a 65 year old couple retiring this year will need $240,000 to cover medical expenses. According to the annual survey, the costs are allocated as follows:

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News on Social Security and Medicare

The Social Security and Medicare Trustees released their annual report on the status of these important safety nets for the American public. Unlike wine, these programs do not get better with age.  In fact, the report states, “The long-run actuarial deficits of the Social Security and Medicare programs worsened in 2012, though in each case for different reasons." Sobering, but nothing new, because the Trustees have been warning us that the current programs are unsustainable without...

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First Quarter Newsletter - America's Favorite Pastime

The first quarter of 2012 has come to a close and we recently ushered in the beginning of spring. There are many events to look forward to this time of year -- new blossoms on flowers, seasonal cookouts, warm weather, and the official beginning of the baseball season. Now that college basketball’s March Madness has concluded, it is time to pull out the baseball mitt and turn more attention to America’s favorite pastime. Much has transpired in the off season as some wily veterans have decided to...

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Bowers Advisory Group Launches New Website

Bowers Advisory Group, LLC is pleased to announce that their new website is now live on the web at The new website, developed by LeftBrain Website Design, was designed with an emphasis on regularly updated content, useful information and features, and a more user-friendly interface.

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