The Lowry Letter®

The Lowry Letter® - 11/11/19

National Financial Services is making a more comprehensive annual statement available to clients who request one by November 15th. This statement is of greatest value to those of your who use brokerage accounts for cash management and regular banking. For most others, the standard statement is sufficient.

Please let us know by the 15th if you would like one. We hope you enjoy this week’s letter!

The Lowry Letter® - 11/5/19

We love November. The weather finally gets a littler cooler in Gainesville and Thanksgiving brings all the best aspects of a holiday- extra family time and good food, without some of the stress of the other special days.


November is also Men’s Health Awareness month. Since Joe Sr’s successful bout with prostate cancer several years ago, the cause is even nearer to our hearts. As a result, you may spot a little more facial hair than normal during “No-shave November.” We’ll be supporting the Prevent Cancer Foundation this month and invite you to do the same.

The Lowry Letter® - 10/29/19

We do enjoy Halloween, and hope that everyone has a safe and enjoyable experience. Fortunately, we would say that this year has had more treats than tricks (speaking of the market of course).


The fourth quarter is the ideal time to clean up. This includes making sure that required minimum distributions are completed and charitable contributions have been provided for. Please let us know if you have any questions about taking care of any of those items.

The Lowry Letter® - 10/22/19

We’ve ordered our 2020 pocket calendars and would like to know who would like to receive one. More of you have transitioned to electronic calendars, so it is a little harder to gauge demand. Just let us know if you are interested and we will send them along!

The Lowry Letter® - 10/15/19

We're going to shed our normal format this week to hit some quick points and takeaways from our time at Commonwealth's national conference.

The Lowry Letter® - 10/8/19

We continue to hear of various phone and email scams. The persistence of the IRS scam in particular is troubling. Like most criminal endeavors, the goal is to catch us at a bad time, or on a bad day, and take advantage of that to extract the information criminals need.


As a rule, never provide information directly to someone who calls you. If you think the call may be legitimate, request a callback number and then verify that number directly with the actual entity in question. If the matter is actually that important, it can wait for this additional security check.

The Lowry Letter® - 10/2/2019

Fall has arrived, though for some of us little has changed. As we look forward (anxiously) to cooler weather, we will brave the heat to address item #2.

This week we head to Colorado for Commonwealth's annual conference. It's a great opportunity to gather some beneficial information and education and we look forward to sharing some of the highlights.

The Lowry Letter® - 9/25/19

The end of the 3rd Quarter is upon us, and it is hard to believe that so much of 2019 has come and gone! We hope you enjoy this week’s edition.

The Lowry Letter® - 9/18/19

This week finds the Joes® in Gainesville, looking forward to another year of sponsoring the September Membership Lunch of the Builders Association of North Central Florida. The Joes® family was involved in the building industry for several generations, as was Cale’s. We’re proud to support this group of small businesses that play an important role in our community.

In other important news, last week we mentioned our love for the Z-Man sandwich. We are pleased to report that our memory of the blessed creation was accurate. It is among the world’s perfect sandwiches. We also had another memorable experience (see item 4).

The Lowry Letter® - 9/11/19

August was a turbulent month for the markets, and we invite you to read our monthly market recap for more information.


We share the relief of many Floridians that Hurricane Dorian left Florida largely unscathed. As the damage in the Carolinas is assessed, and the dreadful situation in parts of the Bahamas continue, we are reminded of how risk affects our lives. More on this below.