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April Newsletter

April 2020


Tax Refund: Spend or Save

About 72% of taxpayers received a refund in 2018 and 2019. Here's how consumers spent the tax refunds they received in 2018 and what they planned to do with their 2019 refunds.


Keeping Cool: Investment Strategy vs. Reaction

It can be tough to keep cool when you see the market dropping or to control your exuberance when you see it shooting upward. But overreacting to market movements or trying to "time the market" by guessing at future direction may create additional risk.


Social Security May Offer a Lifetime of Protection

Social Security is much more than a retirement program. Most Americans are protected by the Old-Age, Survivors, and Disability Insurance (OASDI) program — the official name of Social Security — from birth through old age.


How Long Should You Keep Financial Records?

Now that tax season is over, you may want to file your most recent records and discard older records to make room for the new ones. Here are some guidelines.




Financial Advisor

Reynolds Financial Advisors

169 Midway Drive • DuBois, PA 15801

Office: 814-371-5300 • Cell: fax: 814-371-5440



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Robert Javens, CPFA

814-372-4840 902 Beaver Drive DuBois PA 15801 US 41.11936300 -78.73483890