Financial Topics

TDP Financial - - dedicated to empowering families...

June 2009

Saturday, July 4, 2009

A Wealth of Services
www.tdpfinancial.com

My goal is to aid my clients in managing their personal finances to achieve their long-term goals. Some areas that can be reviewed include:

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Is It Time to Rethink College?

College costs can seem staggering. For the 2008-09 school year, the average annual total cost was $37,390 for a four-year private university and $18,326 for a four-year public university, up 5.6% and 5.7%, respectively, from the prior year (Source: Trends in College Pricing, 2008).
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Get Familiar with the Financial Aid Process

Over $162 billion of financial aid was distributed during the 2007-08 school year, with an average award of $8,896 per full-time student. Of that total, approximately 65% was in the form of loans and 32% in grants (Source: Trends in Student Aid, 2008). With so much money at stake, you should understand the financial aid process to maximize your share of financial aid.
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Taxes and Your Investments

Ordinary income taxes on short-term capital gains and interest income can go as high as 35%, while long-term capital gains and qualified dividend income are taxed at rates not exceeding 15% (0% if you are in the 10% or 15% tax bracket). One way to help maintain your portfolio's growth potential is to invest in a tax-efficient manner.
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Stretching Your Salary

In the current economic climate, many employers are cautious about increasing expenditures. That means your best bet for the near term is to make your current salary stretch farther. Some tips to consider include...
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Develop Good Investing Habits

Good investing habits are needed to ensure that you follow through on your investment plan. Some tips to hone your investing habits follow...
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Christine Duane is a financial advisor with TFS Securities, Inc. in Lincroft, New Jersey. Her office, located directly opposite the Parkway 109 South exit, in the Tomorrow's Financial Services Building, is easy to find.

And you can visit her website to find calculators, glossaries and referral sources at www.tdpfinancial.com

Christine has been a financial advisor since 1986. Through her current affiliation with the TFS companies, Christine takes her clients to their financial goals, one step at a time, using her expertise in:

Investment/Risk Analysis
Retirement/Pension Review
Debt Consolidation
Estate Planning
Personal Financial Planning
College Funding
Tax Planning
Insurance Reviews
Divorce Related Financial Analysis
QDRO Distributions and Rollovers

Christine believes that successful management of your finances today is the key to the lifestyle you and your family will enjoy - or endure - tomorrow.

Where will you be tomorrow?

Don't wait another day to find out if the path you're on will take you where you want to go.

Feel free to contact Christine at
(732)300-5708
or via e-mail at
cduane@tfsweb.com

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Published by Christine G Duane, Financial Advisor
Copyright © 2009 Integrated Concepts Group, Inc.. All rights reserved.
Securities offered through TFS Securities, Inc., Member FINRA/SIPC, a full service broker dealer located at 437 Newman Springs Rd., Lincroft NJ 07738. (732) 758-9300. Investment Advisory services offered through Innovative Market Trends, a service of TFS Securities, Inc. Insurance services offered through TFS Insurance, Inc.

Articles provided by Integrated Concepts Group, Inc. This newsletter intends to offer factual and up-to-date information on the subjects discussed, but should not be regarded as a complete analysis of these subjects. The appropriate professional advisors should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.

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