Publications

  • Keeping client information secure from criminals is a top priority for our firm. To better protect client accounts from cybersecurity threats, we continuously review security procedures to ensure that we are following best practices recommended by the custodians, financial institutions, and industry experts with whom we work.   While we feel we are taking clear and actionable steps in our own firm’s security measures, cyber fraud continues to escalate, is becoming more sophisticated, and is...
    Post date: 11/13/2014 - 7:00pm
    Category: White Papers
  • More and more, people seem to be catching on to the fact that planning their Social Security claiming process can be vitally important to retirement.  However, intuitively, this may not make much sense, given the initial intent of Social Security.  The Social Security program was originally meant to be a government subsidized lifetime annuity for individuals to help supplement other income streams in retirement.  In order to be flexible for different retirement scenarios, the program allowed...
    Post date: 09/10/2014 - 8:00pm
    Category: White Papers
  • For nine days this month, Rochester will host the 13th Xerox Rochester International Jazz Festival. The world-renowned festival runs from June 20-28 and will feature over 1,200 artists playing 312 concerts at 19 venues within walking distance in and around the city’s East End cultural district, right in Howe & Rusling’s backyard! Clients and friends are welcome to catch their breath and rest their legs in our office during the festival. It even serves as a green room for performers!   “...
    Post date: 06/10/2014 - 8:00pm
    Category: General Interest
  • The Memorial Art Gallery’s Art & Treasures Sale is celebrating 20 years this month. The annual event will take place Thursday to Sunday, June 12-15. The Art & Treasures Sale offers gently used antiques, fine art, jewelry, china, porcelain, silver, crystal, fine linen, and small furniture items. “Rochester’s most prestigious garage sale” supports Memorial Art Gallery programs and exhibitions, and last year was the Gallery Council’s biggest fundraiser. Howe & Rusling supports the...
    Post date: 06/10/2014 - 8:00pm
    Category: General Interest
  • The Rochester Contemporary Art Center (RoCo) will hold its famous exhibition and sale, 6x6x2014, from June 7–July 13. Howe & Rusling will sponsor the event that has become an international small art phenomenon in just its seventh year. 6x6 is an exhibition in which every piece must be 6x6 square inches, or mounted on a 6x6 board. The artwork is made and donated by people from all walks of life including celebrities, international and local artists, designers, college students, children,...
    Post date: 06/10/2014 - 8:00pm
    Category: General Interest
  • In the world of retirement planning, the 21st century has been eventful. The tech bubble burst, the housing bubble burst, the Euro fell into crisis, the Fed has helped keep rates in an extraordinarily low holding pattern, and the list goes on. All these issues have made life difficult for those reliant upon their retirement portfolio for income and well being, as we’ve seen several age-old retirement rules fall by the wayside, along with retirees’ standard of living. These issues have also made...
    Post date: 03/10/2014 - 8:00pm
    Category: White Papers
  • After a booming fourth quarter for the stock market, it is difficult to not feel a bit squeamish over how 2014 has begun.  With the S&P 500 Index down over 5% for the year, such a number is hard to ignore. We understand this, and we have been dedicating much time and effort to a temperature check of sorts, in order to assess what the slump means, where it came from, and where we believe it’s headed. First, we are not overly surprised by the market’s behavior thus far. As we described in our...
    Post date: 02/05/2014 - 7:00pm
    Category: Our Perspective
  • On July 18, the city of Detroit filed for Chapter 9 bankruptcy protection and will seek to reorganize and restructure approximately $18-20 billion dollars of debt.  Often times, municipalities and corporations about to enter bankruptcy will try to come to a compromise with their creditors and go through a “pre-packaged” bankruptcy in which they submit a pre-agreed-upon plan for restructuring to speed up the process and cut down the legal fees and proceedings.  The Emergency Financial Manager,...
    Post date: 08/06/2013 - 8:00pm
    Category: Our Perspective
  • With the recent need for income-producing investments, income oriented closed-end funds are one type of investment product that has garnered a lot of attention lately.  While there is nothing inherently bad about closed-end funds, they are complex products that without proper understanding by an investor can be very, very risky investments. Many income oriented closed-end funds have historically been viewed as safe, mostly fixed investment vehicles.  Due to the current economic environment,...
    Post date: 05/14/2013 - 8:00pm
    Category: White Papers
  • Howe & Rusling is very proud to now have a CERTIFIED FINANCIAL PLANNER™ as a member of our team. Tim Hamilton, Howe & Rusling’s Relationship and Planning Manager who has been with us since 2008, received his training through the College of Financial Planning. He passed the Certification course in September of 2012, passed the test in November of 2012, and received the full designation in 2013. The designation comes with extensive training in financial planning, estate planning,...
    Post date: 04/04/2013 - 8:00pm
    Category: Announcements

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