11/2/2015
https://ojmgroup.createsend.com/t/ViewEmail/r/6238CC3C1E64D88F2540EF23F30FEDED/C67FD2F38AC4859C/?tx=0&previewAll=1&print=1
Web Version | Update preferences | Unsubscribe
Tweet
Forward
TABLE OF CONTENTS
• Flexibility: The Most
Important Element of
Your Financial Plan
Flexibility: The Most Important Element of
Your Financial Plan
• Cybersecurity: Are
You Doing Enough?
As authors of seven books for
• OJM Investment
Commentary: March
2015
• Access OJM Content
on LinkedIn!
physicians, we have
consulted with thousands of
doctors of all specialties
during our combined 35-plus
years in practice. From this
experience, we have become
intimately familiar with how
OJM Group Bookstore
If you enjoy the
information OJM Group
provides through our
monthly newsletter, we
encourage you to visit our
online bookstore to
download a
complimentary ebook for
your iPad, Kindle or other
e-reader.
To receive a free copy,
please use promotional
code NEWS0315 at
checkout. Print and PDF
versions are also
available.
For Doctors Only: A
Guide to Working Less
and Building More
most physicians build their financial plans (what we call “wealth
plans”). Too often, they have ignored the most important factor in a
sophisticated long term plan; flexibility.
Because so much of life doesn’t work out exactly to plan, it would
seem obvious that flexibility should be fundamental to a wealth plan. This is especially so in the financial arena, since many factors that
may make the difference between hitting your financial goals or not
are beyond your control.
In the first part of this two-part article, we looked at two key elements
around which any plan should build flexibility; changes in your cash
flow/income and fluid tax rates. Here in Part II, we will examine three
additional elements; changes in the “market,” in your liability situation,
and in your health.
Continue reading this article...
Cybersecurity: Are You Doing Enough?
Cybersecurity continues to
make headlines. On
February 3, 2015, the SEC’s
Office of Investor Education
Wealth Protection
Planning for
Orthopaedic Surgeons
& Sports Medicine
Specialists
and Advocacy issued an
Investor Bulletin with the
purpose of providing
information to “help investors
protect their online brokerage accounts from fraud.” The SEC advises
https://ojmgroup.createsend.com/t/ViewEmail/r/6238CC3C1E64D88F2540EF23F30FEDED/C67FD2F38AC4859C/?tx=0&previewAll=1&print=1
1/3
11/2/2015
https://ojmgroup.createsend.com/t/ViewEmail/r/6238CC3C1E64D88F2540EF23F30FEDED/C67FD2F38AC4859C/?tx=0&previewAll=1&print=1
investors to take the following precautions to help ensure that their
online brokerage and financial accounts remain secure. Use a Strong Password: According to the SEC, a strong password
generally uses eight or more characters and includes symbols,
numbers, and both capital and lowercase letters. A strong password
should not be based on common words, phrases, or personal
information such as a name or birthday. It should also not be easy to
For Doctors Only,
Highlights Edition
guess—names and birthdays of spouses and children are common.
Hackers often use information found on social media sites like
Facebook to assist in cracking passwords (favorite athletic teams,
pets’ names, vacation spots, street names, etc.)—so be mindful of
publishing the sources of your passwords.
Continue reading this article recently published in LinkedIn's
Pulse Magazine...
OJM Investment Commentary: March 2015
U.S. stocks rebounded from
January’s losses with large-cap
stocks rising 5.7 percent and
smaller-cap stocks gaining 5.9
percent for the month. During a
mid-month testimony before
Congress, Federal Reserve Board
Chair Janet Yellen indicated that
the Fed is on track to potentially
raise rates later this year,
depending on the economic data.
She cited positive trends in the
labor market, noting (among other
measures) the improvement in
jobs creation over the past year.
New jobs data for January (released in February) came in at a robust
227,000, and wages rose slightly after their decline in January. While
lower oil prices have depressed many inflation measures (another key
variable in the Fed’s assessment of the economy’s health), Yellen
suggested this factor is transitory.
Continue reading this article...
Access OJM Content on LinkedIn!
Become a follower of OJM's
LinkedIn Company Page to gain
access to new articles, webcasts
and books that focus on
important topics such as investment planning, tax, asset protection
and insurance and benefits planning. Follow OJM Group today!
https://ojmgroup.createsend.com/t/ViewEmail/r/6238CC3C1E64D88F2540EF23F30FEDED/C67FD2F38AC4859C/?tx=0&previewAll=1&print=1
2/3
11/2/2015
https://ojmgroup.createsend.com/t/ViewEmail/r/6238CC3C1E64D88F2540EF23F30FEDED/C67FD2F38AC4859C/?tx=0&previewAll=1&print=1
© 2014 OJM Group. Jason M. O'Dell and David Mandell are Investment Advisor
Representatives offering Investment Advisory Services through OJM Group, LLC/The
O'Dell Group, LLC, a Registered Investment Advisor.
This electronic newsletter contains general information that is not suitable for
everyone. The information contained herein should not be construed as personalized
investment advice. Past performance is no guarantee of future results. There is no
guarantee that the views and opinions expressed in this newsletter will come to pass.
Investing in the stock market involves gains and losses and may not be suitable for
all investors. Information presented herein is subject to change without notice and
should not be considered as a solicitation to buy or sell any security. Some of the
content for this commentary is developed by third parties and is provided for
informational purposes only. While OJM Group deems such content to be reliable,
OJM Group cannot guarantee its accuracy and disclaims any liability for reliance on
any third party content.
OJM Group, LLC. (“OJM”) is an SEC registered investment adviser with its principal
place of business in the State of Ohio. OJM and its representatives are in compliance
with the current registration and notice filing requirements imposed upon registered
investment advisers by those states in which OJM maintains clients. OJM may only
transact business in those states in which it is notice filed, or qualifies for an
exemption or exclusion from notice filing requirements. This brochure is limited to the
dissemination of general information pertaining to its investment advisory services.
Any subsequent, direct communication by OJM with a prospective client shall be
conducted by a representative that is either registered or qualifies for an exemption
or exclusion from registration in the state where the prospective client resides. For
information pertaining to the registration status of OJM, please contact OJM or refer
to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov).
For additional information about OJM, including fees and services, send for our
disclosure brochure as set forth on Form ADV from OJM using the contact
information herein. Please read the disclosure brochure carefully before you invest or
send money.
Legal Disclosure
Edit your subscription | Unsubscribe
OJM Group
8044 Montgomery Road.
Suite 440
Cincinnati, Ohio 45236
(877) 656-4362
https://ojmgroup.createsend.com/t/ViewEmail/r/6238CC3C1E64D88F2540EF23F30FEDED/C67FD2F38AC4859C/?tx=0&previewAll=1&print=1
3/3