Financial Topics Newsletter
 Brought to you compliments of Steven Stanganelli, CRPC® CFP®
February 2009   Wednesday, September 8, 2010
Who Do You Trust?
Separating the Wheat from the Chaff Among Advisors
www.paladinregistry.com
by Steven Stanganelli, CRPC®, CFP®

How can a client trust a Financial Advisor? There are over 650,000 folks with registrations to sell products of one kind or another. It is awfully confusing for a consumer to figure out which person is best suited to help them and has the consumer's interests (and not the advisor’s pocketbook) at heart. Consider the source of the advice and follow the money. For comprehensive advice, it’s best to be working with someone working on your side .
[FULL STORY]
 
Divorce May End a Marriage
But Unchecked Credit Issues May Last a Lifetime
http://moneylinkpro.wordpress.com/
by Steven Stanganelli, CRPC®, CFP®

With Valentine's Day just around the corner and the celebration of love and fidelity, it is somewhat incongruous to think about divorce. But every 'good-bye' leads to a new 'hello.' And it is all the more important for smart individuals to prepare correctly with proper advice ahead of time so that each party can have a fresh start.

When love goes wrong, there are a host of money pitfalls and potholes on the road to and from the courthouse.
[FULL STORY]
 
Your Financial Road Map
Are you making progress toward your financial goals? Are your finances in order? Are you prepared for a financial emergency? If you're not sure, take time to thoroughly assess your finances so you have a road map for your financial life.
 [FULL ARTICLE]
 
Raising Financially Responsible Children
It's not unusual to have concerns about the impact money may have on your children's lifestyles. Even beyond basic financial responsibility, you want to make sure that wealth does not remove your children's incentives to work hard, to pursue a meaningful career, or to care about other people. How do you help your children obtain the values you'd like them to have? Consider these tips.
 [FULL ARTICLE]
 
Asset Allocation Basics
The theory behind diversification, or asset allocation, is to spread your investments across different asset classes to help protect your portfolio from downturns in any one asset. Diversification is a defensive strategy - it is meant to protect your portfolio during market downturns and to reduce your portfolio's volatility.
 [FULL ARTICLE]
 
How Retirees Can Protect Their Nest Egg
While stock market fluctuations are painful for all investors, they are even more so for those nearing or in retirement. Investors who won't be retiring for many years have plenty of time for their investments to grow. Current and prospective retirees, however, may be concerned about how market fluctuations will affect their retirement plans. If you're looking for ways to help protect your nest egg, consider the following.
 [FULL ARTICLE]
 
Be Prepared for a Layoff
In these economic times, job security is a notion from the past. All workers should be prepared financially for the possibility of a job layoff. Here are some tips to help with that process.
 [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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Copyright © 2009 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