Financial Topics Newsletter
Brought to you compliments of Christine B. Cooper, MS, CLTC

August 2010   Friday, September 3, 2010
Help with Making Your Financial Decisions

Hopefully, you find value in reading my newsletter. Ideally, I would like to discuss these topics with you face to face. Since this is not always possible, I decided to use this newsletter to provide information you need to make knowledgeable financial decisions.

Obviously, not all articles will pertain to your specific financial situation. However, I trust that in each issue there will be several articles or financial ideas that will interest you. If you have any questions about a specific article, please call so we can discuss its implications to your financial goals. Additionally, if you have any comments or suggestions, please let me know.

I would be happy to send a complimentary copy to any of your friends, family, or coworkers. Simply give me their names and addresses, and tell them to look for the newsletter in a few days.


 
Consider Long-Term-Care Insurance
Life expectancies have increased significantly and are expected to continue to increase in the future. As people age, they are more likely to develop conditions that limit their ability to live independently. However, it is estimated that only 14% of households have purchased long-term-care insurance (Source: Long-Term Care Costs and the National Retirement Risk Index, March 2009).
[FULL ARTICLE]
 
Using Conservative Assumptions
How can you ensure you'll have sufficient funds to last your entire retirement? So many of the variables used to calculate this amount seem uncertain. What is a reasonable rate of return for your investments over the long term? How long will you live, knowing life expectancies are increasing? How much can you count on from Social Security and pension plans?
[FULL ARTICLE]
 
Don't Make These Selling Mistakes
An important part of any investment strategy is developing a methodology for ultimately selling your investments. Unfortunately, many investors sell based on emotional factors, making one of several mistakes
[FULL ARTICLE]
 
Improving Your Credit Score
As lenders have clamped down on issuing credit, your credit score now has a more significant impact on loans available to you, the interest rate and fees you'll pay, and other terms of the loan. Thus, it is more important than ever to understand your credit score and how you can improve it.
[FULL ARTICLE]
 
Why Do You Need Bonds?
Why should you consider bonds for your investment portfolio? The primary reasons include...
[FULL ARTICLE]
 

Chris Cooper, President and owner of Cooper Financial Services, has over 30 years of experience as a speaker and adult educator, conducting classes and workshops for 5-500+ attendees. Her specialties are helping Baby Boomers accumulate funds for their retirement, and retirement income planning for seniors, to ensure they don’t outlive their assets.

Chris holds a Bachelors Degree and a Master’s of Science in Personal Finance & Management from the Univ. of Rhode Island and Penn State Univ., respectively. Her PhD credits were taken at the University of Maryland in Consumer Economics and Adult Education, were she also co-authored a book on customer service. Before moving to FL, Chris worked in government, industry and management consulting positions in the Washington, D.C. area, and owned a yacht sales and charter business in Annapolis, MD.

Since establishing her financial services practice in Tampa Bay in 1994, she has received numerous local and national recognition awards in her industry. Most recently she was named Tampa Bay Woman of the Year in Financial Services and Cooper Financial was named as Pasco County Service Business of the Year, category 1; she was commended by resolution 09-372 of the Pasco County Board of Commissioners for these achievements. She has also received Million Dollar Round Table and National Quality Service awards, and “Member of the Year” and “Ambassador of the Year” awards from the Central Pasco Chamber of Commerce. She was first president of the Tampa Bay Sales Professionals and 1st President of Women N Charge, Inc, a nonprofit association of women business owners. She has reigned as the Tampa Bay Sushi Society SUSHI QUEEN since its inception in 1996.

Chris currently has over 250 clients and over $50 million under management. She is a Registered Representative of The Leaders Group, a FINRA member firm, and a certified member of the National Ethics Bureau. Chris lives with her husband of 30 years, George Cooper, in Land O’Lakes, where in their spare time they enjoy playing golf, raising orchids and their Florida wine “cellar”.
 

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Published by Christine B. Cooper, MS, CLTC
Copyright © 2010 Integrated Concepts Group, Inc. All rights reserved.

Registered Representative, The Leaders Group, Inc., A Registered Broker/Dealer, Member FINRA/SIPC 26 Dry Creek Circle, Suite 575, Littleton, CO 80120 Phone: 303-797-9080

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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