June 2023 | Issue #127

Hello Marion!


One of the most interesting things about the month of June is how it can act similarly to a rest stop. Stick with us. In the same way that a rest stop will be near the middle of your journey to provide a location for rest on a long journey, June can provide a similar space as you arrive at the middle of the year. They both provide not only a place to appreciate how far you have come, but it also gives an opportunity to prepare and evaluate what is needed for the rest of the journey ahead of you.


So, during this rest-stop of a month, we encourage you to revisit the goals you set for yourself at the beginning of the year. Take note and celebrate your progress thus far! Evaluate your budget, savings, debt, credit report and insurance to be sure that everything is current and accurate. Of course, if you have any questions or concerns along the way, give us a call and we will be happy to help out. 


Until next time,


The Financial Steward Associates Team

"Much of the stress that people feel doesn’t come from having too much to do. It comes from not finishing what they’ve started." - David Allen


News and Events


Important Updates:


Account View - Statement Update: If you receive paper statements in the mail today, beginning this summer, you’ll receive quarterly statements only. This change is automatic, so you don’t need to take any action.


If you’d like to continue receiving monthly paper statements, please let us know and we’ll keep your preference set to monthly delivery.


In Account View, you can view all of your statements and additional up-to-date account details when it’s convenient for you, 24/7. Simply follow the prompts on the sign-up page. The guide Account View: The Access Point for Investors can help answer your questions. Or, simply call us and we can help walk you through setting up your profile.


If you’ve already opted for paperless in Account View, you’re all set! Your experience will not change and there’s nothing for you to do. 



Important Dates:


June 19th: Office & Market Closed for Juneteenth


July 4th: Office & Market Closed for Independence Day


July 18th: Volunteer Day! Join us as we volunteer at Boulder's own Emergency Family Assistance Association (EFAA) from 8:45 am - 12:00 pm on Tuesday July 18th. We will be helping with seasonal clean-up projects and general landscaping.


If you are interested in joining us,

please email mariana.moosavi@lpl.com to RSVP.



Weekly Commentary

Weekly Market Commentary


Closing Out Our Equities Overweight



LPL Market Signals Podcast


 Neutral Is Not Bearish: LPL Research Downgrades Equities to Neutral



Street View



U.S. Debt Deal with a Twist—Details of the Fiscal Responsibility Act

FSA Scholarship 2023 Winner

Read Olivia's Essay Here!

Congratulations to our 2023 FSA Scholarship Winner, Olivia Fox!


Olivia is a graduate of Steamboat Springs Highschool and is planning to start at the University of Denver in the fall. Olivia's essay demonstrates the importance of understanding and utilizing a budget, the trial and error of learning personal fiscal accountability, and how to plan for the future. Bringing along her extensive volunteer experience, Olivia plans to continue being a positive influence and leader as she begins to pursue her undergrad of International Business through the University of Denver's own Daniels College of Business. We are honored to support her first year of university!

Happy Pride Month!


We are proud to serve and work alongside all our LGBTQ+ clients; this month, and all year long!


When it comes to financial planning, LGBTQ+ individuals and couples may encounter unique complexities. For many couples, purchasing a home can seem like a large undertaking. This article, "Five LGBTQ+ Home Ownership Tips", helps by breaking it down into five main points to carefully consider prior to taking that next big step forward. Check out the full article below!


As with all our clients, when it comes to navigating your financial planning, Financial Steward Associates is happy to walk alongside your respective needs with your best interests at heart.

Read "5 LGBTQ+ Home Ownership Tips" Here
Not sure who to contact?

If you have questions or requests and aren't quite sure who to reach out to, here is an updated list of who can be of service to you. 


Just click on our name to send us an email!

Marion Steward, CFP®

with questions about your investments and Financial Planning requests


Heather Williams, CFP®

with questions about your investments and Financial Planning requests


Mariana Moosavi

to get answers on general information or answers about our special events 


Sid Smith

to pass on Financial Planning requests and meeting follow ups with an advisor


Harmony Dunnick 

for opening new accounts and facilitating account transfers, coordinating contributions and withdrawals, and scheduling Financial Reviews


Stephanie Deon

for opening new accounts and facilitating account transfers, coordinating contributions and withdrawals, and scheduling Financial Reviews


Alex Dunnick

for opening new accounts and facilitating account transfers, coordinating contributions and withdrawals, and scheduling Financial Reviews


Don't forget we also have a general email box.

financial.steward@lpl.com

Lessons in Money

How to help kids develop financial awareness

Children are like wells waiting to be filled with information—and information about money

can be a helpful topic to begin exploring at a young age. Behavioral scientists at Cambridge

University have encouraged parents to start teaching their kids about money as early

as 3 years old1, when they’re starting to learn their numbers and discover the difference

between wants and needs.


Your kids see you buying things, but does your preschooler understand where money

comes from—and the different ways it’s used or saved? Does your 10-year-old know how to

compare prices on that toy he’s saving for? Does your teenager have a savings account to

earn interest on earnings from parttime work—and upcoming graduation gifts?


If not, it might be time to have a conversation. The earlier kids understand how and why

money is earned, saved, and spent—the better their own money skills are likely to be.

Read More Here



Important Disclosures

This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. This material was prepared by LPL Financial.

Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).

Insurance products are offered through LPL or its licensed affiliates. To the extent you are receiving investment advice from a separately registered independent investment advisor that is not an LPL Financial affiliate, please note LPL Financial makes no representation with respect to such entity.

Not Insured by FDIC/NCUA or Any Other Government Agency Not Bank/Credit Union Guaranteed Not Bank/Credit Union Deposits or Obligations May Lose Value

Financial Steward Associates

303-444-5440

fax 303-444-6049

www.financialstewardassociates.com

financial.steward@lpl.com


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Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Financial Steward Associates, a registered investment advisor and separate entity from LPL Financial.


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