Market Watch

January 27, 2012 @ 05:06 PM

Dow Jones Industrials 12,660.46- 74.17
Nasdaq Composite 2,816.55+ 11.27
S&P 500 1,316.33- 2.10
10 Year Treasury Note 1.90- 0.03

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Roberto Costa, CFP®, MSFS, AEP, CAP
Retirement Planning Specialist

 

We are the PRISM Group of North Florida, Inc. Welcome to our website.

What's in a name? The PRISM Group name is derived from the optical prism that directs light from one source into many spectral colors. By developing, implementing and monitoring financial strategies focused on our client's success, we provide clarity in the spectrum of one's financial life. The importance of a trusted and professional financial relationship is paramount in today's changing environment.

The PRISM Group serves the business and professional athlete community by providing comprehensive financial services and benefits. Small and private by design, we have experience and expertise in the areas of Risk Management, Investment Planning, Retirement Planning and Estate Planning. These services are provided with the highest level of integrity, excellence and world-class service. We recognize the need for strategic alliance partnerships and work with them in subject matters complimentary to the services we provide. Ultimately, our focus is our client's financial success.

The PRISM Group's managing partner is Roberto (Bert) Costa, CFP®, MSFS, AEP, CAP. Alex Cooper, a financial professional with the PRISM Group, is currently a Certified Financial Planner TM candidate. To get to know us better, please see the biographies in the 'Our Professionals' section. The PRISM Group's registered assistant, Susan Youngblood, manages client service and all administrative concerns as well as meeting scheduling. Thank you for visiting our web site! Stay awhile and browse its many features.

Fee-Based financial plans are offered through AXA Advisors, LLC.

AXA Advisors and its representatives do not offer tax or legal advice. Please consult with your tax and/or legal advisors for your particular circumstance.

CFP® , CERTIFIED FINANCIAL PLANNER™, and CFP (with flame logo)® are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements. Financial Plans are offered through AXA Advisors Estate Planning is funded through the use of life insurance and other financial products.

 

Newsletters

Rising Popularity of Roth IRA as Retirement Vehicle

Investment in the Roth IRA has been growing dramatically. Fueling the growth of this popular investment vehicle are tax-free distributions in retirement and no mandatory withdrawals due to age. Compare the trade-offs of Roth IRAs with traditional IRAs, including eligibility limitations, annual contribution limits, and withdrawal considerations.

Evaluating Life Insurance Needs

It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.

Finding a Good Time to Invest

When a prominent stock market index closes above an important threshold, many investors who have been sitting on the sidelines may see it as good time to invest, but they may have missed a significant part of the rally. Waiting for the "right" moment to invest could prove to be a costly and ineffective strategy.

For Better, For Worse: Communicating About Retirement

A recent study indicates that couples are not communicating clearly about retirement goals and strategies, even as they approach retirement age. This article offers suggestions to open a dialogue and encourages couples to discuss their retirement needs and desires with each other and with their financial advisor.

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