Financial Topics Newsletter
Brought to you compliments of Steven Stanganelli, CRPC® CFP®

February 2010   Thursday, March 11, 2010
Quest Introduces New Planning Service Options
Advisor-On-Call Program Provides Access to Pros for Customized Advice
by Steve Stanganelli, CFP ®, CRPC ®

You wouldn’t likely go on vacation without a map. Why try to navigate through the complexities of contemporary financial life without a personal money road map?

- Buying a home or investment property?

- Deciding on leasing or financing a new car?

- Trying to weigh your options about employer benefits?

- How should you rebalance your 401(k) plan account?

- Maybe you know someone who’s evaluating whether or not it makes sense to do a Roth IRA conversion this year.

These and many other life-changing events all impact your personal bottom line.

To help make smarter money moves, Quest introduces the personal NAVIGATOR-on-CALL advisor program.

For less than the cost of a cup of coffee each day, busy individuals will have direct access to a board-certified financial planner to answer these and other questions by phone or email.

Call or email and mention this newsletter article for a FREE Morningstar Portfolio X-Ray Report and know exactly if your IRA or 401(k) are out of balance.

888-323-3456 for your FREE report
 

Retirement Income Planning – Creating Income for Life When the Paycheck Stops
The Road to Retirement – First of a Series
by Steve Stanganelli, CFP ®, CRPC ®

“The road to success is always under construction” Author Unknown

The road to retirement can be long, winding and in need of repair especially after the last couple of years we have experienced. It may have detours and sometimes goes uphill. At other times there’s a tailwind on flat open road.

There are a lot of stops along the way: college, marriage, job changes, growing a family.

The road to retirement really needs to be paved with more than good intentions.

The future is purchased by the present and to make the most of it you need to have a plan.

Do you feel confident that your plan can sustain you 20-, 30- or even 40-years in retirement?

If not or you need a second opinion, start here.
[FULL STORY]
 

Building Your Personal Safety Net
If You Need Any Type of Service Provider, Start Here with Trusted Names
www.atlanticreferralexchange.com
by Steve Stanganelli, CFP ®, CRPC ®

From time to time we’re all looking for a referral to a great person or company to help us out.

Well, I know a number of professionals in a variety of fields. I’ve worked with many of them directly or have become aware of their quality integrity by close associates of mine.

If you ever find yourself asking for a name of someone to help you or your business, I encourage you to call any of the professionals highlighted here or found at www.atlanticreferralexchange.com.

THIS MONTH'S HIGHLIGHTED REFERRAL PARTNER

In times like these it is all the more important to keep what you have secure.

I recommend the security, alarm and surveillance services provided by Broadview Security (formerly Brink’s Security). For a security analysis and solution for your home or business, I personally suggest calling Wayne Lerman of Broadview. Wayne can be reached directly at 978-210-8045 or wayne.lerman@broadviewsecurity.com .

I’ve had an alarm and monitoring service for my home for the past couple of years with Wayne’s company. And it proved its weight in gold when one late summer night an intruder tried to enter through our backdoor while we were asleep. While I had forgotten to lock the back door, the instant alarm scared off the intruder.

And on the business side, Wayne’s business systems have saved my clients when their monitors alerted them to problems when the cooling systems started to fail for their mission critical computers.

Have you ever worried about a loved one being alone at night while you’re away? Ever wondered if your business systems are secure?

Give Wayne Lerman a call at Broadview Security: 978-210-8045.

This is not a paid endorsement but my way of sharing with you discounted resources that may help you, your family or your business. Mention this newsletter article and Wayne will help arrange a special installation discount.


 

Federal Death Tax Takes a Holiday
But Keep an Eye on Your State’s Estate and Inheritance Tax Policy

While death and taxes are still the only two certainties in life, leave it to Washington to make accounting for them more complicated.

In another example of the law of unintended consequences, the recent sunsetting of the estate tax rules adopted under the Bush Administration has created confusion for individuals and families inheriting assets.
[FULL STORY]
 

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]
 

My highest priority is getting you where you want to be. I work with my clients providing them with the compass and road map to help them get where they need to go and where they want to be. For more than 20 years I have been coaching individuals on ways to improve and protect their personal bottom line. I am never too busy to help you or someone you know and care about. Regardless of the size of your portfolio, I'm here to help guide you through the many challenges of life's transitions so you can stay on course for financial success.

About Steve

Steve Stanganelli is a five-star rated, board-certified financial planning professional. His practice encompasses retirement income planning, investment management, divorce settlement analysis and college funding strategies. He is a published author and regularly presents on these topics to businesses, civic groups and community organizations.

Steve works with a variety of individuals and families with a special focus on Baby Boomer pre-retirees.

Steve earned his Master of Science degree in Finance (MSF) from Bentley College with high distinction. He is also an honors graduate of the University of Massachusetts - Lowell. Steve holds the designations of CERTIFIED FINANCIAL PLANNER(tm) and CHARTERED RETIREMENT PLANNING COUNSELOR(tm).

About Quest

Quest is an independent fee-for-service Registered Investment Advisor formed in 1996 by Bob Dubee, CPA/PFS, CFP®. The team at Quest provides objective personal financial planning advice on a flat fee or hourly fee basis as well as risk-controlled investment management for personal portfolios.

Feel free to contact me or Bob via e-mail at
steve@questfsi.com

rdubee@questfsi.com

or visit our Web site
www.questfsi.com
or blog
www.moneylinkpro.wordpresscom
 

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Copyright © 2010 Quest Financial Services, 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.
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