Brought to you compliments of Caroline Girgis, JD, and Dwayne Grady, MBA, ChFC®
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May 2010
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Saturday, February 4, 2012
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When These PIIGS Came to Market
This year there has been yet another unattractive acronym that has made the financial headlines: PIIGS. We had hoped to not have to write about why they matter to all of us. However, the recent unfolding crisis in Europe no longer allows us the
luxury of staying quiet about this new term. PIIGS refers to the European countries that have issued massive amounts of debt to support their economies over the past few years. They are Portugal, Italy, Ireland,Greece, and Spain. To fully understand the connection and how it impacts your financial planning now and in the future, click on the link below and read the full article.
http://unitedcp.com/VRFiles/WHEN_THESE_PIIGS_CAME_TO_MARKET.pdf
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Should You Convert to a Roth IRA?
Effective in 2010, all taxpayers, regardless
of the amount of their adjusted gross income (AGI), can convert
a traditional individual retirement account (IRA) to a Roth IRA.
Amounts converted must be included in income if taxable when withdrawn
(i.e., contributions and earnings in deductible IRAs and earnings
in nondeductible IRAs), but they are exempt from the 10% early
withdrawal penalty.
[FULL ARTICLE]
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Advice on Saving for Your Child
Your child has finally finished college
and started his/her first full-time job. What is the most important
financial advice you can give? Participate in your 401(k) plan as soon
as you are eligible.
[FULL ARTICLE]
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Estate Planning for Blended Families
While estate planning can be complex
for all families, it can be especially complex for those in other
than a first marriage. Ensuring that everyone is treated fairly
can be a challenge, but these tips can help.
[FULL ARTICLE]
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Don't Forget to Rebalance
Simply put, rebalancing a portfolio means
restoring it to your long-term asset allocation plan so that you
get back on track with the risk/reward strategy that meets your
goals and risk tolerance. This allows you to systematically follow
an important investment strategy that many investors find difficult
to accomplish - buy low and sell high.
[FULL ARTICLE]
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Keep Saving after Retirement
Just because you're retired doesn't mean
you should stop saving. Consider constructing a financial plan, working at least part-time, contributing to your 401(k) plan or individual retirement account (IRA), trying before you buy, keeping debt to a minimum, and looking for deals.
[FULL ARTICLE]
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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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TELL A FRIEND
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