July 2016 RPS Home Page   |   Newsletter Home     
Fighting Fraud
The Federal Trade Commission received almost 3.1 million consumer complaints in 2015 — a 17% increase over 2014.
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Preparing to Retire in a Down Market
Market losses on the front end of your retirement could have an outsized effect on the income you might expect from your portfolio. To address the risk of experiencing poor performance at the wrong time, one strategy is allocating a portfolio into three “buckets” to continue having short-term, mid-term, and long-term funds available during retirement.
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Have You Used Mobile Payments?
In 2015, more than half of U.S. consumers say they were extremely aware of the option to use mobile payments, but relatively few had actually used mobile payment technologies.
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The information contained in this newsletter is not intended as tax or legal advice, and it may not be relied on for the purpose of
avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor.
The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed
constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Emerald.
Copyright 2016 Emerald Connect, LLC

THE RETIREMENT PLANNING SPECIALISTS, LLC is a Registered Investment Advisory firm specializing in retirement planning and investment management for individuals committed to a secure financial future. Our objective is to help our clients make educated and informed decisions in order to reduce taxes, increase income, and secure their financial future. If we can be of assistance to you or someone you know, please contact us at the address and phone number below:
The Retirement Planning Specialists, LLC
5460 S. Quebec Street, Suite 333 • Greenwood Village, Colorado 80111 • (303) 771-3088 • (888) 771-5406
www.RPSpecialists.com