This e-newsletter is sent to you on a regular basis typically around the middle of each month. It is my way to help provide you with information to help you better prepare for the road ahead with valuable information you can use to help plan your financial security.

It is a way for me to stay in touch with you about the various types of investments, tax strategies, saving for specific goals like college, retirement planning, estate planning, budget planning, life insurance, and more.

The e-newsletter will help you deal with many important financial issues. It may even cause you to ask questions. I am available to answer your questions by phone, email or during an appointment.

I appreciate the opportunity you give me to provide this valuable service to you, and I will endeavor to give you information that best satisfies your needs.

Exchange-traded funds have enjoyed a rapidly growing popularity throughout the investing public, except among one key group: investors who are wary of the risks associated with equity investments.

Because the universe of exchange-traded funds, or ETFs, is expanding, several new bond-based ETFs have come on the market. At the end of 2008, there were 60 ETFs tracking bond indexes, up from six in 2006.(1)

If you avoided ETFs because they were predominantly composed of stocks, the growing availability of bond ETFs might warrant a second look.

Whether you are retired, a Baby Boomer with a grown family or a recent college graduate, you can check to see if you're on track, making progress or need to adjust course with these online resources and new tool.

In five minutes, less time than it takes to make microwave popcorn, you can find out if you're on track to meet your life goals.

Try it out now for FREE or pass it along to someone you know.

Clear Sailing Ahead?

After a harsh winter and tough early spring, signs of good weather are welcome.

And as homeowners survey the damage caused by Mother Nature, it’s also a good time to do some spring cleaning for your investment portfolios as well.

With few exceptions, markets continue to head higher and have returned to levels not seen in nearly two years.

Markets will continue to go up and then down. And then up again.

The key is to manage downside risk while positioning for upside gain.

Some market watchers talk about inflation while others worry about a “double dip” recession.

Now, my crystal ball is cloudy about exactly where the market will be going. So, it makes sense to keep these ideas in mind to manage your risks as you read the tea leaves.

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.