Richard R. Tourville & Kelly Spencer Financial Professionals

Financial Services Representatives

Richard R. Tourville

I have been involved in the insurance-investment industry for approximately twenty-two years. Fourteen years of that time I was the divisional insurance manager for a major corporation. For the last ten years I have been in my own business as a Financial Professional, presently with MetLife. I am licenced in the State of Florida, for life, health, and variable annuities and hold Series 6 license. I have lived in South Florida since 1958 except for the six years I spent in military service. I am a member of the Palm Beach County Association of Insurance and Finanial Advisors and a board of director for the Lake Worth Chamber of Commerce. I live in unincorporated Palm Beach County west of Lake Worth/Boynton Beach and having been a life long resident of Palm Beach County, I have a vested interest in the community. My wife and I  have three grown married daughters, one of whom is working with me, and seven grandchildren all living in Palm Beach County.

Kelly A. Spencer

 

I have been involved in the insurance-investment  industry for approximately nine years, two of which I worked in group benefits and one year in claims. The last few years I have been in my own business as a Financial Professional with MetLife. I have a license in the state of Florida for Life, Health and Variable Annuities and hold a Series 7 license. I have lived in South Florida all my life and presently live in West Palm Beach with my husband and two sons. I am a member of the Lake Worth Chamber of Commerce and am also a member of the Palm Beach County Association of Insurance and Financial Advisors. My husband and I are third generation South Floridians with deep roots in the community.

 

 

I am licensed and registered to offer products and services in [FL]. Licenses and registrations will vary by representative and some representatives may be licensed and registered in additional states. Please contact this office for further information.

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Newsletters

Another Economic Stimulus

Temporary incentives could affect businesses of all sizes. Although Congress was unable to tackle the controversial issue of future income tax rates before the 2010 midterms, it quietly passed a little-noticed tax package, the Small Business Jobs Act of 2009 (H.R. 5297), that may benefit small businesses and even individual taxpayers.

Favorable Dividend and Capital Gains Tax Rates Extended—for Now

The 2010 Tax Relief Act extended the 15% maximum tax rates on qualified dividends and long-term capital gains through December 31, 2012. But without further legislation, dividends will be taxed at ordinary income tax rates and capital gains tax rates will return to 20% (23.8% for investors in the two highest tax brackets) in 2013.

Exchange-Traded Funds: In a Class by Themselves

In 2010, the combined assets of the nation's ETFs topped more than $800 billion. ETFs are unique investments that share some similarities with mutual funds but trade like stocks. ETFs have some appealing characteristics, including trading flexibility, potentially lower expense ratios, tax efficiency, and diversification.

Finding a Good Time to Invest

When a prominent stock market index closes above an important threshold, many investors who have been sitting on the sidelines may see it as good time to invest, but they may have missed a significant part of the rally. Waiting for the "right" moment to invest could prove to be a costly and ineffective strategy.

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