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Thanks for the warm welcome I received as a guest speaker at the Alaska Men’s Ministry conference. Although, you could have warmed it up.
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The Supreme Court ruling confirms the right of religious institutions to hire, fire at will. All Justices upheld the “ministerial exception”
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If you are still thinking about gold & silver, gold is down about 20% since September. Make sure it really fits your strategy.
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Awards
San Diego Magazine: "Best Personal Wealth Managers" 2007 & 2008, "Top Scoring Wealth Managers" 2010
US Allianz: member of the President's Club 2004-2005, Chairman's Cabinet 2006-2009
Prudential: member of the Masters Council 2006-2008
The Pacific Financial Group: member of the President's Advisory Council 2004-present
Numerous Other Awards...
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If you are saving for retirement, you may want to give a nod of appreciation to those responsible for passage of the Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA) and the Pension Protection Act of 2006. Across-the-board changes made in 2001 allow retirement plan participants to set aside funds at an accelerated rate. Those nearing retirement can also take advantage of special "catch-up" provisions that apply to Individual Retirement Accounts (IRAs), 401(k) plans, 403(b) plans, and 457 plans.
Estate planning has traditionally focused on minimizing estate taxes and directing the disposition of your assets after death. Yet, in today's modern world, managing your affairs has become even more complicated as issues involving health care and personal finances, which can arise during your lifetime, have become increasingly more important.
You just received the wonderful news that you and your spouse are going to become parents. Thoughts of the many adventures parenting will bring are swirling through your head. The last thing on your mind may be paying for college, but thinking about it now may save you later. The cost of a four-year degree at a private college can easily exceed $130,000 (Source: Trends in College Pricing-2008, The College Board).
As higher education costs continue to soar, many parents find themselves faced with the nagging question, "Will I have enough money to pay for my child's college education?" Although most people today are likely to agree that an investment in higher education usually reaps its rewards in higher long-term earnings-and, hopefully, greater job satisfaction-one key concern is how to choose a smart savings alternative. 529 plans are flexible investment options with tax benefits.
When weather forecasts turn out wrong, we usually can make alternate plans that have little consequences in the larger scheme of life's events. In contrast, when economic forecasts disappoint, the consequences may be more significant. Nevertheless, making decisions about your financial future involves some guesswork, and an educated guess, even with elements of uncertainty, may be a better alternative than traveling into the future with no forecast at all.
Most employers recognize that, for many of their employees, saving for a child's education is a top priority. With the cost of a private four-year college education averaging over $120,000 (Source: Trends in College Pricing-2007, The College Board), saving early has become paramount in helping to ensure a child's schooling, and for many employees, their own continuing education. In particular, 529 college savings plans-named for Internal Revenue Code 529-are a popular way to set aside money for college and graduate school.
Written by Ilyce R. Glink
Written by Ilyce R. GlinkSecurities offered through Securities Equity Group. Member FINRA & SIPC in the following states:
Alaska (AK), Arizona (AZ), California (CA), Colorado (CO), Connecticut (CT), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Minnesota (MN), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Mexico (NM), New York (NY), North Carolina (NC), Ohio (OH), Oregon (OR), Pennsylvania (PA), Virginia (VA), Washington (WA), and Wisconsin (WI).
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