Non-Personal Information Collected
R.S. Davis Financial Group is committed to the privacy of its web site visitors. Please note that we may provide aggregate statistics about our customers, traffic patterns, and related site information to reputable third-parties, but these statistics will include no personally identifying information.

Personal Information
In order to respond to your questions or fulfill your requests, it may be necessary to ask for personal information such as your name, address, e-mail address and telephone number. We may use this information to respond to your requests, or to contact you via mail, e-mail or phone. We will not provide this information to a third party without your permission, except as necessary to fulfill your request.

Browser Cookies
From time to time, we may place information on your computer to allow us to identify you. This information is commonly known as “cookies”. By showing how and when our visitors use this Site, this information can help us to improve our Site on a continual basis. We will only use cookies to view information that was put there by a cookie from this Site. The use of cookies is an industry standard and many Web sites use them. If you do not wish to receive cookies, or want to be notified of when they are placed, you may set your web browser to do so, if your browser so permits.

Changes
We may without notice change, modify or withdraw access to this Site, or the content of these pages at any time.

External Site Links
The rsdavisfinancial.com web site may link to other web sites on the internet. Content and Privacy Policies are the responsibility of their respective owners.

IP Addresses and Logging
Our server logs information about visitors, including IP addresses, date/time visited, referring web site, length of stay, etc. This information is used for site statistics only.

• • Options decrease with age
  • Less chance for savings to grow
  • Inability to fully recover from economic conditions
  • Unable to bounce back from life events
  • No such thing as planning or saving for retirement too early.

• Company retirement benefits won’t be enough for the continuously rising costs and inflation.
• Social Security is a cushion for retirement but doesn’t fit the bill for all costs now. Currently, the social security is proceeds are dwindling and predictions continue of its pending failure.
• Medicare is not enough to cover rising health care costs.
• Planning allows you to assess your situation and identify potential problems.

Ownership of a corporation represented by shares that are a claim on the corporation’s earnings and assets. Stockholders share a portion of the profit the company may make as well as the loss. As the company grows the stock price rises will benefit the shareholders. Also the company may issue dividends to disperse revenue. In short, the better the company does, the better the investor does.

Common Stock : Usually entitles the shareholder to vote in the election of directors and other matters taken up at shareholders meetings or by proxy.

Proxy: a power of attorney authorizing a specified person to vote corporate stock.

Preferred Stock: Usually does not grant voting rights, but have a prior claim on assets and earnings. Dividends must be paid on preferred stock before being paid on common stock. The value of a stock will fluctuate with the company’s performance and the stock market in general.

Blue Chips: The high-quality stocks of major corporations with long records of uninterrupted earnings and dividends, capable management, and good growth prospects.

Growth Stock: the stock of a corporation whose sales and earnings are expanding faster than the general economy.

Market risk is an overall decline in the stock market will have a negative impact on the securities you own. All though your company is doing well a general decline in stock prices may decline your share’s value.

A Portfolio is an individual’s total investment holding.

Capital gain (loss) is the profit (loss) from the sale of securities or other capital assets.

Bonds: A certificate of debt (interest-bearing or discounted) issued by a government or corporation in order to raise money. The issuer is required to pay a fixed sum annually until maturity and then the principal at maturity.

• A bond (debenture) is a debt instrument (essentially an I.O.U. contract.)
• Usually issued in multiples of $1,000 or $5,000.
• Bondholder, unlike stockholder, has no corporate ownership privileges.
• Interest on corporate bonds is fully taxable, while government bond interest yield may be exempt.

Junk bonds: Below investment-grade bonds that provide high yields with high risk.

Treasuries: Negotiable debt obligation issued by the U.S. government at various schedules and maturities (Treasury bills, Treasury bonds, Treasury note)

U.S. Savings bond: A nontransferable, registered bond issued by the U.S. government in the denominations of $50 to $10,000.

Corporate bond: A bond issued by a corporation.

Convertible Bonds: a feature that allows the bondholder to convert the par amount of the bond for common stock.

Zero-Coupon Bonds : Don not pay interest during the term but is sold at a discount of face value. The bond generally increase in value as it approaches maturity and the return comes solely form its appreciation.