The RPG  Planner

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Dear <<First Name>>:

We hope that you are enjoying the start of spring although we recognize that our accountant friends, if they even have time to read this, are still a few weeks away from really enjoying the season.  We also hope that you find this month's issue of The RPG Planner to be useful and we continue to welcome any feedback or suggestions to make it better.     

Plan Right                      

Around the Web


Investment Commentary       

Saddam Hussein was on trial, the original Cars movie making its debut, and Jerry Rice was still playing football when the Federal Reserve last raised interest rates.  Nearly nine years have passed since the last rate hike but that streak seems likely to end before the end of the year.  The Fed deliberately removed the word 'patient' from its March statement and indicated that it would consider rate increases at each future meeting.  However, to leave investment markets in a continued state of ambiguity, Fed chairwoman Janet Yellen added that the removal of patience from the statement did not necessarily imply impatience.    

Global stocks bounced around before and after the important Fed meeting, ending the month with a loss of nearly 2%.  Markets in Japan and Europe outperformed domestic stocks as investors seemed to favor the aggressive monetary easing outside the US.  High quality bonds posted gains in March as interest rates declined in spite of the Fed's change in language.  Regardless of whether the Fed raises short term rates, long-term rates that impact bond prices will remain driven largely by market expectations of inflation pressures.  Such inflationary pressures are still subdued by a stronger dollar, negative interest rates in Europe, domestic labor market slack, and dramatically lower energy prices.    

We implemented modest changes in our portfolio construction this month that we anticipate will create greater long-term tax efficiency and reduced transaction costs in the future.  You can reference the RPG Monthly Market Snapshot by clicking here for some key economic data points and index returns.  We welcome any comments, questions, or suggestions.


  • April 15th is also the deadline for making 2014 IRA contributions.  Limits are $5,500 for those under age 50 and $6,500 if 50 or over.  Make too much to contribute to a Roth IRA?  Consider the backdoor Roth conversion.  
  • Use the tax filing period as an opportunity to shred what you no longer need.  This one page document provides a helpful guide of what to save or shred.  

Fun Stuff and Free Resources

  • One of our favorite articles of the month described 22 ways to be more productive.  It was written for small business owners but the lessons can be applied by anyone.  You may be surprised by some of the suggestions which include lemons, plants, bananas, and chewing gum.

RPG News and Notes 

  • A team from RPG is participating in the Volunteer for a Better Sandy Springs Day on Saturday, April 25th.  Last year, we built and planted a flower bed for the local recycling center.  The annual event is a great opportunity for all ages to give back to the community at over 20 sites around Sandy Springs.  You can volunteer on your own or let us know if you want to join us at the volunteer site where we will be working. 
  • Our Sixth Annual RPG Open House is scheduled for Thursday, April 30th, from 4:30 - 8:00 pm.  We welcome you to join us and even bring a friend, family member, or colleague with you.  Please let us know if you would like to attend by replying to this email or calling us at 770-671-9500.
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