Financial Topics Newsletter
Brought to you compliments of Caroline Girgis, JD, and Dwayne Grady, MBA, ChFC®

May 2009   Saturday, February 4, 2012
What's Going on with Muni Bonds?
Traditionally, municipal bonds have been relatively safe investments. Over the past couple of years, however, that market has been extremely volatile, due to several factors, including credit rating downgrades, auction failures, and sales by institutional investors.
[FULL ARTICLE]
 
Should You Consider Muni Bonds?
No investment, including municipal bonds, is appropriate for every investor. Before purchasing muni bonds, consider their advantages and disadvantages to see if they are appropriate for your portfolio.
[FULL ARTICLE]
 
Will You Be Able to Work Longer?
Retiring at age 65 without working for the rest of your life is starting to look like a difficult proposition. It was already challenging. Then, most people's retirement savings decreased significantly over the past couple of years due to declining investment and home values. The prospect of funding a retirement that could span 30 years is looking very tough.
[FULL ARTICLE]
 
Rolling Over to a 401(k) Plan
If your 401(k) plan permits, you can roll over balances from a traditional individual retirement account (IRA), but not a Roth IRA, to a 401(k) plan. To qualify as a tax-free rollover, the balance must be rolled over to a 401(k) plan for the same person who owns the IRA, the balance must be rolled over within 60 days, and the maximum amount rolled over cannot exceed amounts that would be includible in gross income if not rolled over
[FULL ARTICLE]
 
Get Your Finances in Order
You'll probably need significant investments to reach your financial goals. But before worrying about investing, you should get your finances in order. Consider these tips.
[FULL ARTICLE]
 

Dwayne Grady, MBA, ChFC®, and Caroline Girgis, JD, through Cornerstone Wealth Strategies Group, are committed to providing the finest service and investment advice to their clients. Both Dwayne and Caroline specialize in serving the needs of high-net-worth individuals, successful professionals, business owners, and retirees.

Both Dwayne and Caroline hold advanced degrees and designations and are highly knowledgeable in the areas of tax-advantaged investing, retirement planning, financial planning, and professional money management.

Successful management of your finances today is the key to the lifestyle that you and your family will enjoy-or endure-tomorrow. They would be happy to assist you with any of your financial needs.

Feel free to contact us via e-mail at
info@cwsg1.com

or visit our Web site
www.cornerstone500.com
 

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Copyright © 2009 Integrated Concepts Group, Inc.. All rights reserved.
Some information provided in this newsletter was prepared by Integrated Concepts. 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. Professional advisers 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.

This Newsletter is for informational purposes only and is not a solicitation or an offer to buy or sell any company. United Capital Financial Advisers, Inc. (UCFA) provides advice and makes recommendations based on the specific needs and circumstances of each client. For clients with managed accounts, UCFA has discretionary authority and makes investment decisions based on the specific needs and circumstances of each client. Investing involves risks and clients should carefully consider their own investment objectives and never rely on any single chart, graph or marketing piece to make decisions. UCFA does not offer tax advice. Please consult your tax advisor for more information about your individual situation.

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