THIRD QUARTER 2017

THIRD QUARTER 2017 – What Inning is It?

Fall is one of my favorite times of the year. The temperatures are mild, the leaves are changing colors and America’s favorite sports are in full swing. This is the only time of year you will see baseball, football, and basketball all playing at the same time. Tis the season of a sports fanatic. Yogi […]

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THIRD QUARTER 2017

THIRD QUARTER 2017 – ADJUSTING THE SAIL

I have never been an avid sailor but I can remember well when we experienced a wicked bear market, the dot com collapse of 2000-2, and our office used an anonymous expression, “We cannot direct the wind, but we can adjust our sails.” We were referring to how we can each make changes to our […]

THIRD QUARTER 2017

Ohio Building

2017 Client Appreciation Banquet

Client Appreciation Event Tuesday, November 14, 2017 Market Review 4:00-5:15 Mary Holland, Fidelity Advisor Funds With Volkers Group Advisors Meet and Greet 5:30-6:00 Dinner 6:00-7:00 7:00-8:00 Matt Iseman Comedian and Host of American Ninja Warrior Matt’s first love and the thing that convinced him to give up a career in medicine to move out to LA […]

THIRD QUARTER 2017

529 Year-End Planning

Do your children or grandchildren need financial help for college expenses? Would you like to help them? 1. A 20% tax credit up to $5,000 per year in contributions can be claimed against Indiana income tax ($1,000 max yearly credit). 2. For your contribution to be eligible for 2017 state tax credit, the funds must […]

2017 - Risk Tolerance

SECOND QUARTER 2017 – RISK TOLERANCE

In the investment world, there are two aspects of risk tolerance: (1) an investor’s capacity for risk, or ability to absorb losses, and (2) how comfortable an investor is with risk. An investor’s capacity for risk is looked at purely from a financial point of view. How much money can the investor afford to lose? […]

2017 - Ten Regrets or Things People Want to Change

Second Quarter 2017 – Ten Regrets or Things People Want to Change

Instead of working efficiently, I am day dreaming. I am remembering the past, looking at the future, and evaluating the present. In the middle of my day dreaming and internet surfing, I landed upon lists of things people regret or want to do differently. It is not too late to change our future and enjoy […]

2017 - A Steady Pace In Life

Second Quarter 2017 – A Steady Pace In Life

Three months ago a seventy year-old lady was making national news by running in the latest Boston Marathon. Her name was Kathrine Switzer, who 50 years earlier had become the first woman to compete in the race, though one official tried to pull her off the track after a few miles. I smiled as I […]

2017 - Playing the Long Game

Second Quarter 2017 – Playing the Long Game

Last night I watched the MLB Home Run Derby contest. I always find it the most entertaining part of the All Star festivities. Last night I saw the rookie, Aaron Judge, crush one home run after another, seemingly for the entire 5 minute time allotment. The 6’ 7” athlete was doing it effortlessly, with 500 […]

2017 - Journey of 100 Days

First Quarter 2017 – Journey of 100 Days

With the election headwinds helping the stock market in the final weeks of 2016, we would not have been surprised to see the markets pause while President Trump began his first “100 days” in office. However, investors were handsomely rewarded for staying invested as the S&P 500 was up over 6% in the first quarter […]

2017 - Taking Income from Your Portfolio

First Quarter 2017 – Taking Income from Your Portfolio

I think one of the most frequently asked questions I get from new (and existing) retired clients is “how much money can I take out of my account without depleting my principle?” Not only is this question frequently asked, the answer to it is often debated. There are a multitude of factors that go into […]

2017 - Ignore the Dirt

First Quarter 2017 – Ignore the Dirt

About twenty five years ago, I was hosting a small group of people from our church for a Bible Study. Oh, these people lived in lovely homes. People who used their designer touch to decorate their homes. People who knew what to do with the items that came from Pottery Barn. People who moved with […]

2016 - Client Appreciation Banquet

2016 – Client Appreciation Banquet

    The following social media links will take you away from our website. Please be aware that neither Investment Planners, Inc. or The Volkers Group, LLC are responsible for the content available on external websites

FOURTH QUARTER 2016

Fourth Quarter 2016 – IRA Contribution Limits for 2016

  2016 Traditional & Roth IRA contribution deadline is 4/15/2017 2016 Simple IRA contribution deadline for Employees was 12/31/2016 2016 Simple IRA contribution deadline for Employers is 4/15/2017 2017 Simple IRA contribution deadline for Employees is 12/31/2017 2017 Simple IRA contribution deadline for Employers is 4/15/2018 2016/2017 401(k) contribution deadline is December 31st for the […]

FOURTH QUARTER 2016

Fourth Quarter 2016 – A Time of Transition

When we opened The Volkers Group in 1996, part of our goal from the very beginning was to provide consistent service to our clients. The people in our office, from advisors to administration staff, work from the same moral compass. We are determined to do what is best for our clients. From day one, Frank […]

FOURTH QUARTER 2016

Fourth Quarter 2016 – 30 IN 30

The year 2017 represents my 30th year in the career of stock broker/investment representative/financial consultant. I left my university career to begin working with clients planning for and experiencing retirement. A popular ESPN series of sports stories, called 30 For 30, led me to writing this article on the 30 most important things I have […]

FOURTH QUARTER 2016

Fourth Quarter 2016 – The Year of 20,000!

We closed the books on 2016 and look forward to what 2017 might offer. Before we try to completely forget about all that 2016 thrust upon us, let’s tally up the final quarter. While October began with a slow negative slant, the November 8th election seemed to make everything reverse course. The markets responding quite […]

2016 CELEBRATING 20 YEARS

Third Quarter 2016 – Celebrating 20 Years

    The following social media links will take you away from our website. Please be aware that neither Investment Planners, Inc. or The Volkers Group, LLC are responsible for the content available on external websites

THIRD QUARTER 2016

Third Quarter 2016 – Required Minimum Distributions

Few things in life are certain—-The Required Minimum Distribution (RMD) is one of them. Below are some things you may not know about RMDs. Dates and Deadline Clients are often confused about the deadlines surrounding RMDs from retirement accounts. The first distribution is required by at least the April 1 that occurs after the account […]

THIRD QUARTER 2016

Third Quarter 2016 – Forms, Forms, and More Forms

You may have heard of the Paperwork Reduction Act (PRA), a United States federal law enacted in 1980 (amended in 1995) designed to reduce the total amount of paperwork burden the federal government imposes on private businesses and citizens. Unfortunately, as many of you may have experienced in recent months, this does not pertain to […]

THIRD QUARTER 2016

Third Quarter 2016 – 20/30 Vision

On a Monday morning in December 1996, Janet, Sonya and I took deep breaths and walked together into our branch manager’s office and resigned. Linda left the firm to join us two weeks later and Kyle, who had just completed his finance degree at Butler, was waiting for us at our new office on the […]

THIRD QUARTER 2016

Ohio Building

2016 Client Appreciation Banquet

Client Appreciation Event Tuesday, November 15, 2016 The Ohio Building 672 Ohio Street Terre Haute, IN 47807   4:00-5:00   Market Review 5:00-6:00   Appetizers at your table 6:00-7:00           Dinner 7:00-8:00 Comedian Greg Warren    To reserve, call (812) 232-5822, or e-mail ashley@volkersgroup.com Comedian Greg Warren              Greg Warren, most recently seen […]

SECOND QUARTER 2016

Second Quarter 2016 – So What’s a Brexit?

So What’s a Brexit? The second quarter of 2016 could have been considered fairly meek if the quarter ended just one week earlier. On June 23rd, the United Kingdom held a vote to determine if they wanted to leave the 28 member European Union. We woke up on June 24th learning that the referendum passed […]

SECOND QUARTER 2016

Second Quarter 2016 – Retirement Plan Considerations at Different Stages of Life

Throughout your career, retirement planning will likely be one of the most important components of your overall financial plan. Whether you have just graduated and taken your first job, are enjoying your peak earning years, or are preparing to retire, your retirement plan can play a key role in your financial strategies. Years ago, one […]

SECOND QUARTER 2016

Second Quarter 2016 – S&P 500 Index Returns In U.S. Presidential Election Years

There are many factors that impact stock market returns, but one common concern of investors is how the stock market will be impacted by a change in America’s President. In past election years, the S&P 500 Index has seen more positive performance than negative. Below we take a look at S&P 500 Index performance during […]

SECOND QUARTER 2016

Second Quarter 2016 – Take Me Out to the Ballgame!

Join us at the Rex baseball game! 2015 Prospect League Champions, Terre Haute Rex battle the Chillicothe Paints on Tuesday, July 19th. Game starts at 7pm. Tailgating in East Parking Lot (enter along 3rd Street) at 6pm. Look for our tent and join us for a cookout before the game. Spots are limited, so please […]

FIRST QUARTER 2016

First Quarter 2016 – Growing Young

The year 2016 set a record in January for the largest Dow points drop ever for the month, though larger percentage decreases have occurred. The correction bottomed by February 15th, down nearly 15%.(1) By the quarter’s end, most losses had been recovered, except in the NASDAQ, bio techs, and our Top Stocks. For example, IBB, […]

FIRST QUARTER 2016

First Quarter 2016 – Recovering From Identity Theft

The glory days of robbing banks and trains have passed. These days, thieves are stealing identities to get what they want. If you find out that someone is using your identity to open lines of credit or take money from your bank account, what should you do? To minimize your losses, act fast. Contact, in […]

FIRST QUARTER 2016

First Quarter 2016 – In Pursuit of Happiness

Sitting around our conference table, we had a discussion about the newsletter you are reading. It was decided that I would write an article on Social Security and the changes taking place there. As you can tell from the headline, this article isn’t about Social Security. While the changes are substantial, discussing these changes will […]

FIRST QUARTER 2016

First Quarter 2016 – Save the Date

    IMPORTANT DISCLOSURES Securities and investment advice offered through Investment Planners, Inc. (Member FINRA/SIPC) and IPI Wealth Management, Inc. 226 W. Eldorado St., Decatur, IL 62522. 217-425-6340.       The following social media links will take you away from our website. Please be aware that neither Investment Planners, Inc. or The Volkers Group, […]

FOURTH QUARTER 2015

Fourth Quarter 2015 – IRA Contribution Limits for 2015—2016

2015 Traditional & Roth IRA contribution deadline is 4/15/2016 2015 Simple IRA contribution deadline for Employees is 12/31/2015 2015 Simple IRA contribution deadline for Employers is 4/15/2016 2016 Simple IRA contribution deadline for Employees is 12/31/2016 2016 Simple IRA contribution deadline for Employers is 4/15/2017 2015/2016 401(k) contribution deadline is December 31st for the calendar […]

FOURTH QUARTER 2015

Fourth Quarter 2015 – Can Boomers Change Course?

When my parents were 65, I considered them “old”. They were proud and happy to call themselves Senior Citizens. They believed that title carried a certain amount of “I’ve done my part, and it’s time for someone else to work.” They stopped working, and through physical and mental challenges became the average retiree that watched […]

FOURTH QUARTER 2015

Fourth Quarter 2015 – PLANNING FOR LOSS OF LEGAL CAPACITY

Preparing for incapacity is never something we want to think about, and if we are not thinking about it, chances are we are not planning for it either. Many people don’t plan for financial incapacity, because they think “It won’t happen to me” or they just do not want to face the fact that as […]

FOURTH QUARTER 2015

Fourth Quarter 2015 – THE DOWNSIDE IN RETIREMENT

Retirement is to be a time for enjoyment of the fruits of our labor. Granted, it is the last chapter of our life, but it is the ideal time for your skills and interests to be given expanded attention. Many of our clients are retired and from our vantage point we see a variety of […]

THIRD QUARTER 2015

Third Quarter 2015 – The Joys and Financial Challenges of Parenthood

Children are special. There’s nothing like them. They can be our sweetest blessing, as well as our biggest frustration. Most of all, however, they are our greatest responsibility, as well as our most important—and expensive–commitment. Whether you are a first-time parent or a veteran of refereeing sibling squabbles and who-put-the-empty-milk-carton-back-in-the-fridge inquisitions, parenthood can be both […]

THIRD QUARTER 2015

Third Quarter 2015 – Planning For Volatility

It can be unsettling when our portfolio values are damaged by a market correction as experienced this last quarter, especially when this volatility has not been seen for four years. Research studies indicate that a loss has more than twice the emotional response than an equal gain for the average person.1 Consequently, our office tends […]

THIRD QUARTER 2015

Ohio Building

2015 Client Appreciation Banquet

Client Appreciation Event Thursday, December 3, 2015 The Ohio Building 672 Ohio Street Terre Haute, IN 47807   4:00-5:00 Market Review 5:00-6:00 Hors D’oeuvres 6:00-7:00           Dinner 7:00-8:00 Comedian Karen Mills    To reserve, call (812) 232-5822, or e-mail ashley@volkersgroup.com     Comedian Karen Mills               This southern girl combines her deep south heritage with her […]

THIRD QUARTER 2015

Volkers Group Open House

Thank you for celebrating with us! We hosted an Open House and Ribbon Cutting for our new office on October 6th. Now located at 2963 Erie Canal Road, Terre Haute, IN, we are pleased to have our new space to serve you better. You will notice the lack of stairs, the wide open spaces and […]

SECOND QUARTER 2015

Second Quarter 2015 – New Office Location!

Moving to a New Office…….. No More Stairs! We have heard the battle cry for the past several years and the time has arrived. After almost nineteen years in our current building and a wonderful relationship with our landlord, Tom Roberts,  The Volkers Group will be moving late summer or early fall into Elk […]

SECOND QUARTER 2015

Second Quarter 2015 – Independence Day

Click here for the full pdf version of our newsletter! July 4th was a beautiful day at Lake Winona in northern Indiana as forty-five members of our family came together to celebrate our country’s founding. The day began with twenty-two of us running in a 5k race. Next came the annual Winona Lake parade, where […]

FIRST QUARTER 2015

Never Again!

In 1995, Janet and I were vacationing in Hong Kong. Entering downtown to register in the hotel overlooking the bay, we noticed a stench that made the odor of “old” Terre Haute seem pleasant. Touring the city we noticed something else. The lifestyle of the Hong Kong people, even then, was to walk the streets […]

FIRST QUARTER 2015

The Idea of Retirement

Retirement is the tradeoff between labor and leisure. If you are not working, you are in leisure. The question of when to retire (or how to retire) is really about leisure time over work and how you want that to look. During the early 20th century, age 65 was chosen because it represented the age […]

FIRST QUARTER 2015

Understanding the 60-Day IRA Rollover Rule

Retirement plans are a beneficial way to save money for your future because they allow you to make pre-tax contributions and they provide tax deferred growth on your investments. There are many different types of retirement plans including employer sponsored plans, such as the 401k, 403b, and Simple IRA as well as the very popular, […]

FIRST QUARTER 2015

First Quarter 2015 – New Staff Member

Ashley Baughman (pronounced Boffman) joined The Volkers Group on April 14th. Ashley brings her previous office experience to the team, and is a very welcome addition. A Shakamak High School graduate and IVTC student, she now lives in northern Vigo County. When not working, she and her family enjoy baseball games, basketball, dance, and going […]

FOURTH QUARTER 2014

LOOK UP!

As many of you did, I watched the last several days’ television coverage of the recent free-climb of El Capitan’s 3,000 foot Dawn Wall. The two climbers were the first to climb the wall using only their hands and feet, although ropes were used to break their falls. The climb took 19 days and they […]

FOURTH QUARTER 2014

Out with the Old, In with the Familiar

I thought about making a New Year’s Resolution, but I don’t think I want to resolve to do anything differently in my life. Yes, I want to exercise more, eat better, be kind to everyone, and pray for world peace. But, do I really want a resolution to do that? I think not. The past […]

FOURTH QUARTER 2014

A Lackluster 2014

If I could sum up the stock market for last year, I would have to say that 2014 brought us a year of quiet stock growth mixed with a few volatile tantrums. We actually saw a small tantrum in January 2014 as the S&P 500 started the year in negative territory. By the end of […]

FOURTH QUARTER 2014

IRA Reminders

IRA Contribution limits for 2014-2015 All IRA contributions must be postmarked on or before April 15, 2015 for a 2014 contribution. In order to qualify for the “catch-up” contribution, you must turn age 50 by the end of the year in which you are making the contribution. Give yourself a raise for retirement. Systematic Contributions […]

THIRD QUARTER 2014

North of 70

Interstate 70, with its east to northeast slant, is used by our local weathermen to track storms which typically move at the same angle. Today, I heard the WTWO weatherman, Dan Reynolds,state “The rain should stay south of I-70 while north of 70 will be dry.” The statement prompted me to reflect on my recent […]

THIRD QUARTER 2014

Being Unique-Not Just a Title for Investors

If you have ever looked at our brochure, visited our web-site, and/or attended one of our seminars you have probably seen, or heard us speak about, our investment philosophy which includes the belief that “Every Investor is Unique”. What we haven’t printed until now, is that we believe The Volkers Group is unique as well. […]

THIRD QUARTER 2014

Are You Smarter Than A 5th Grader?

We can all probably remember when this program aired on television. Of course, we all knew we were smarter, but there were times when some of the answers surprised us. We were certain our answers were correct, only to find out we were mistaken and we laughed at ourselves for forgetting facts we had once […]

THIRD QUARTER 2014

The Roth Redo

With the tax filing season officially over on October 15th, I wanted to highlight a tax strategy that could help turn your IRA into a more tax friendly investment. I am talking about a Roth conversion… and, if necessary, a Roth redo as well. Some investors who find themselves in a low tax bracket will […]

THIRD QUARTER 2014

The Volkers Group Client Appreciation Event 2014

Our 2014 Client Appreciation Event will be held at the Ohio Building on Tuesday, November 18th. This year our entertainment will be Comedian Dennis Regan.   Dennis Regan is an accomplished stand-up comedian specializing in clean, corporate comedy. His television credits include multiple appearances on both the “Late Show with David Letterman” and “The Tonight […]

THIRD QUARTER 2014

Feeding the Hungry of the Wabash Valley

Picture the setting. It’s Thanksgiving Day. Your family arrived early and stayed late. You laughed yourself silly, cheered at football on TV, and discussed Black Friday shopping. And some time during the day, you let out a sigh and said, “I ate too much.” Picture this setting instead. It’s Thanksgiving Day. Your family arrived early […]

SECOND QUARTER 2014

A Tale of Two Economies

Stocks added 5% to their 2014 gains during the second quarter. After negative GDP growth in the first quarter, the markets rallied as it became evident that weather alone had provided this glitch. We are now in the midst of corporate second quarter earnings announcements and they are expected to continue to be strong. As […]

SECOND QUARTER 2014

About IPI

Investment Planners’ leadership has a combined 50 plus years in the broker dealer and the RIA industries. Operating a traditional broker dealer (Investment Planners, Inc.) and Registered Investment Adviser (IPI Wealth Management, Inc.), the firm’s leaders understand what it takes to manage investments for individuals. This experience is invaluable in communicating and assisting the advisors […]

SECOND QUARTER 2014

Color Run

Inside of each person and each family is a story in the making. It doesn’t end, it just weaves through our lives and is carried forward by the next generation. Our family, like your family, have stories to be told, and much of the time, our stories become public, mostly by our own choice. We […]

SECOND QUARTER 2014

Meet Dave Koshinski

President of Investment Planners, Inc. When David P. Koshinski, President of Investment Planners, laid out his vision more than 20 years ago, he planned to grow IPI using Integrity, Performance, and Innovation. As IPI references Integrity, Performance, and Innovation, Mr. Koshinski states, “This foundation is more than just a name. It is how we do […]

SECOND QUARTER 2014

College Savings Plans

Back to school … time to think about a 529 college savings plan. With college expenses skyrocketing, it is never too early to start saving. Anyone — including friends, grandparents, and other family members — may contribute to the plan. All that is needed is a valid Social Security number or Taxpayer Identification number. Features […]

FIRST QUARTER 2014

First Quarter 2014 – Life After the Rally

In 2013, we benefitted from a 30% rally in the Standard & Poor (S&P) Industrial index.  Over the last one hundred years that has happened only 13 times.  After the first quarter, we have seen a more volatile market with a lot of “excess” gains taken back from many of the momentum stocks of the […]

FIRST QUARTER 2014

First Quarter 2014 – Spending For College

I was recently talking with a client who had saved diligently for his son’s college in a 529 college savings account only to find out that his son qualified for a “free ride” in scholarships and financial aid.  He was quick to point out that he felt blessed with his son’s achievement, but was left […]

FIRST QUARTER 2014

First Quarter 2014 – Protecting Your Data Online

A new website virus called Heartbleed has been in the news quite a bit lately.  This is a bug that has been hidden as part of the OpenSSL encryption software on certain websites.  The software is used to keep information that is shared between your computer and the web server private.  The Heartbleed bug can […]

FIRST QUARTER 2014

First Quarter 2014 – New Staff Member

Lisa Kehrt, a life-long resident of Terre Haute, has joined our staff.  Lisa enjoys photography and Face Timing with her grand nieces and nephews. Lisa will be working two days per week in the primary role of document preservation and storage.  She will also be answering the phone, so you may be speaking with her […]

FOURTH QUARTER 2013

Fourth Quarter 2013 – Welcome Mel Krueger

If you stop by our office, you might notice an additional name on the front door. Mel Krueger is the latest addition to the Volkers Group and is now a registered representative with Investment Planners, Inc. Mel is a 1969 graduate of Indiana State University and longtime Terre Haute resident along with his wife Debbie. […]

FOURTH QUARTER 2013

Fourth Quarter 2013 – The Price Is Right

Stock prices are up over 150% from the lows hit in 20091. As the barometer shows below, the S&P Composite added another 32.4% in 2013 alone. Last January, our newsletter front page was titled, “Happy New Era!” We believed then that we were on the verge of entering a mega-bull market; a cycle that could […]

FOURTH QUARTER 2013

Fourth Quarter 2013 – A Check List For the New Year

Like many people, I used to start the New Year off with a resolution (or five – lose weight, eat healthier, exercise more, spend less, save more), but by the end of January they were usually long forgotten. This year, I decided that instead of creating a particular resolution, I would create a check list […]

FOURTH QUARTER 2013

Fourth Quarter 2013 – Just Below the Surface

In our last newsletter, we shared the story of our travels to the top of Pike’s Peak and the emotional journey we travel as we continue to deal with the loss of our granddaughter, Hannah Crist, in September. The out-pouring of love, support, and kindness to every member of our family has been overwhelming. We […]

THIRD QUARTER 2013

Third Quarter 2013 – Special Newsletter

We spend much time in these newsletters explaining market losses and gains, past, present and future. This quarter is easier than many others because stocks were up nearly five percent based on most market indexes while bonds were flat. So, most portfolios made progress. Meanwhile,  investor concerns have been directed towards our politicians. By the […]

THIRD QUARTER 2013

Third Quarter 2013 – Above The Clouds

I have spent most of my life being a couch potato. Frank is the athletic one in the family. I do things like clean house, help in the yard, and play with the kids and grandkids. I have never been structured in trying to get into better physical shape. I knew  it was important and that […]

THIRD QUARTER 2013

Third Quarter 2013 – Babies, Babies, Everywhere!

When I found out on Christmas Day, last year, that I was going to be a “first time” Nana, I was very excited, but had no idea the amount of joy this little boy would bring me. I also had no idea that it was going to be such a busy year for babies at […]

SECOND QUARTER 2013

Second Quarter 2013 – The Fed Still Says Up!

The Federal Reserve recently put fear into the bond market as they implied they would reduce their buying of debt. This form of quantitative easing was initiated to stimulate the economy. The result of the Fed’s recent comments was an immediate jump in treasury rates from 3% to above 3.5%, leading to a significant loss […]

SECOND QUARTER 2013

Second Quarter 2013 – Top Six Questions Asked by Clients

The investment questions rattling around in your head are probably the same questions other clients are thinking about. While we love speaking with all of our clients, we thought we would try to answer some of the questions that we hear the most. Again, always feel free to contact your consultant, but we hope this […]

SECOND QUARTER 2013

Second Quarter 2013 – Shhhhhhhh . . . Don’t Tell Frank

The things we hear in our office can be enlightening. I did not know there is a “dog hotel” near Indianapolis, that there are eagle nests near Hoosier Prairie Elementary School, or that some clients like to zip-line and snorkel while on cruises. I also did not know about the mayonnaise jar under the bed. […]