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

February 2010   Saturday, February 4, 2012
Quarterly Market Update - Fourth Quarter 2009

In an effort to keep you updated on the current market conditions and the fundamental outlook our firm is taking, we have included our quarterly market outlook in a link provided below.

www.unitedcp.com/VRFiles/UCP166_FourthQuarter2009RND5.pdf
 

Easing into Retirement
For most of your working life, you've looked forward to the day when you can quit your job and start enjoying retirement. But in recent years, talk of longer life expectancies, uncertain Social Security benefits, declining pension benefits, unknown inflation rates, and low retirement savings made retiring at a relatively young age seem difficult.
[FULL ARTICLE]
 
Watch Out for These Estimating Mistakes
When determining how much to save by retirement age, several variables must be considered, some requiring estimates that will span decades. Three of the most significant estimating mistakes to watch out for are...
[FULL ARTICLE]
 
Finding Money to Save
Everyone knows that they should be saving at least 10% of their gross income for retirement, but that can seem like an impossible goal after paying all your bills. However, don't just figure that goal is unachievable without first looking at the after-tax cost.
[FULL ARTICLE]
 
Avoid These Life Insurance Mistakes
Life insurance can be used for a variety of personal and estate planning needs. To ensure your life insurance policy meets your needs, watch out for these common mistakes...
[FULL ARTICLE]
 
Updating Documents
Whether this is your first, second, or subsequent marriage, take a look at major legal documents to see if changes are needed. Even if you've been married for a while, it's not a bad idea to review estate planning documents, asset ownership, assets with beneficiaries, and business arrangements.
[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 © 2010 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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