Financial Topics Newsletter
 Brought to you compliments of Steven Stanganelli, CRPC CFP
October 2008   Wednesday, September 8, 2010
The Purpose of My E-Newsletter

I hope you enjoy receiving my e-newsletter. It is intended to enhance and complement my focus on providing timely education on the issues impacting the lives of consumers like you. As a financial planner and advisor, I firmly believe in exposing you to information, ideas and strategies that will help you make better and more informed decisions affecting your personal bottom line.

The e-newsletter’s main objective is to ensure, regardless of busy work schedules and travel plans, that each of my clients, friends and colleagues receive at least a minimal amount of timely advice on a regular basis.

I also hope it will stimulate your thinking on issues related to your personal finances by providing you with articles on a variety of financial topics. Please feel free to call or e-mail me with any questions or comments, particularly with regard to how a given idea may apply to your personal situation.

Please be liberal in sharing this e-newsletter with your colleagues and friends. Feel free to call or e-mail me with the names and addresses of people who might enjoy receiving their own copy of this e-newsletter.

  
Year-End Tax Planning Tips
As year-end rapidly approaches, it's a good time to take a look at your tax situation. You still have time to take action that could reduce your income tax liability for 2008. Once you have an idea of where you stand for 2008 with your income tax situation, you can evaluate some tax planning strategies that may reduce your income tax burden in 2008. Here are some tips to consider.
 [FULL ARTICLE]
 
Accelerate Your Retirement Savings
Don't just give up on your retirement goals if you find you've entered middle age with little to no retirement savings. Sure, it may be harder to reach your retirement goals than if you had started in your 20s or 30s, but here are some strategies to consider.
 [FULL ARTICLE]
 
You're Never Too Old for a Roth IRA
Even if you're retired, consider contributing to a Roth individual retirement account (IRA), provided you have some earned income. In 2008, single taxpayers with modified adjusted gross income (AGI) less than $101,000 and married taxpayers filing jointly with modified AGI less than $159,000 are eligible to make a nondeductible contribution to a Roth IRA.
[FULL ARTICLE]
 
Should You Defer Income Taxes?
Should you pay income taxes now, so you can withdraw funds after retirement tax free? Or are you better off delaying income taxes until after retirement? This is the basic decision when choosing between a traditional deductible individual retirement account (IRA) and a Roth IRA, or between a 401(k) plan and a Roth 401(k) plan.
 [FULL ARTICLE]
 
Your Family's Finances
In many families, one spouse takes primary responsibility for the family's finances, doing everything from paying bills to making investment decisions to reviewing insurance policies. If that spouse dies first, the other spouse may have difficulty taking over these tasks. Thus, as the primary money matters person in your marriage, one of your most important financial duties is to prepare your spouse to handle the family's finances.
 [FULL ARTICLE]
 

My highest priority is getting you where you want to be. If it's an important goal for you, then it's important to me to help get you there. Whether you need a road map for retirement investing or want an answer to a specific financial challenge, I am available.

My goal is to provide the peace of mind that comes with knowing you have entrusted your financial future to a team of experienced professionals that cares about making your dreams a reality - regardless of the size of your portfolio.

I work with retirees, busy professionals and growing families who are motivated to achieve financial success or need help with the challenges that result from a life changing event.

For more than 18 years I have been involved in helping individuals and organizations tackle complex financial issues through a progressive career in mortgage banking. For the last ten years I have focused my practice on all aspects of retirement and investment planning and have published articles on a variety of financial planning issues.

I am a CHARTERED RETIREMENT PLANNING COUNSELOR(sm) and CERTIFIED FINANCIAL PLANNER™ Professional. I earned a Master of Science degree in Finance from Bentley College and an undergraduate honors degree from the University of Massachusetts.

Based on my credentials, education, and fee only practices I also hold a five-star quality rating from the Paladin Registry, earned by fewer than 3% of planners in the country.

I am never too busy to help you or someone you know and care about.

Feel free to contact me via e-mail at
steve@focus-capital.com
or visit my Web site
www.focus-capital.com
 
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September 2008
Copyright © 2008 Focus Capital Wealth Management. 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. 		TELL A FRIEND