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Previous Newsletters
Volume 2, Issue 8, October Volume 2, Issue 7, September
Volume 2, Issue 8
October 2011 A Note From Tyler James Hello again, everyone. We are now in the heart of the 4th quarter and pushing strong to the end of the year. I hope everyone's 2011 has gone well and are ready to welcome in another holiday season that will be here sooner than we know it. I actually saw some Christmas decorations on the shelves at Wal-Mart the other day. Perhaps a bit premature. We are settling into our new offices, and we are enjoying the new space. If anyone would like to stop by for a visit and check out the new views from atop Springfield, feel free. We are still on the 15th floor, but we have taken over the office suite on the northeast corner of the building. Enjoy this month's articles, and as always, feel free to contact us with any questions about the material. Also, if any of the articles pertain to anyone you may know, we always appreciate referrals from our clients. Talk to you next month. Tyler Fixed for Life More than 40% of Americans ages 36 and older are at risk of running out of money in retirement, according to a retirement readiness study. In fact, almost one-third of people with upper-middle incomes and 13% with high incomes may not be able to pay for basic retirement expenses and uninsured health-care costs after two decades in retirement. Consider Your Retirement Needs, but Don't Forget Your Retirement Wants A rule of thumb is that workers will need to replace about 80% of their pre-retirement incomes to maintain their standard of living in retirement. But they may need more than 80% to fund a lifestyle that they can truly look forward to. As people grow older, what once may have been considered luxuries can become basic needs.
Volume 2, Issue 7
September 2011 A Note From Tyler James Hello again, everyone!! Cooler weather has arrived, FINALLY, and I for one am not missing the 100+ degree heat. We have missed sending out our newsletters for the past couple of months, but for good reason. As of August 1st we have officially moved into our new office space in the Hammons Tower. We now have enough space to house everyone and everything that we need. We are still working out some of the details regarding the signage, and where it will displayed, so stay tuned for updates on that. I wanted to make everyone aware that September is an important month for many reasons, but for two very specific reasons as they relate to my business. September is “National College Savings Month.” It is a month in which we attempt to reach out to people with young children and assist them in planning for their children’s higher education. For this reason, we will be contacting some of you to talk. We are also hoping to make a presentation, “Raising Financially Responsible Children” to a local parenting organization, as well as other things. The other reason September is important to us is because it is “Life Insurance Awareness Month.” September is a great time to sit down with your advisor and/or insurance agent and have a check-up to make sure that your life insurance needs haven’t changed and that your coverage is still appropriate. If anyone would like to discuss either of these important topics, or as always, know of anyone who should, please give us a call or email. We appreciate your support and your referrals. Talk to you next month. Tyler Tips for Surviving the Estate Tax The federal estate tax was reinstated retroactively to January 1, 2010, by the 2010 Tax Relief Act. However, the favorable provisions are scheduled to expire at the end of 2012, when estates exceeding $1 million could be subject to the federal levy. What Kind of Investor Are You? Although most Americans seem to understand that investment involves risk, there is a wide spectrum in how much risk each investor is willing to assume. Among the factors to consider are comfort level, time horizon, and net worth. This article helps investors to consider their appropriate level of risk. Giving the Gift of Knowledge A college education is still a good investment. Consider this statistic: The overall unemployment rate reached as high as 9.9% in 2010, but for workers with a bachelor's degree or higher, it did not exceed 5.1%. But a college education can be expensive. There is a tax-advantaged way to accumulate money for a child's or grandchild's education: a Section 529 plan. Return To Top
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