Listed below are the most recent newsletters I have published. Please download them and enjoy! The newsletters require the Adobe Reader to view them.

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Q2 2009 Newsletter

Articles in this newsletter include:

• Social Security: Late Retirement Boosts Benefits
• Investing in a Low Interest Rate Environment
• Income Annuities Can Help Fill the Retirement Income Gap
• What is the Credit CARD Act of 2009?

Q1 2009 Newsletter

Articles in this newsletter include:

• Will the Estate Tax Stay Repealed for 2010?
• Federal Protection for Bank Deposits
• College Costs: Increases and Trends
• Is my Brokerage account protected?

October/November 2008 Newsletter

Articles in this newsletter include:

• Five Ideas for Staying Sane in a Crazy Market
• Where to Stash Your Emergency Cash
• 2008 Year-End Tax Planning Tips
• Should my child apply to college early decision?

February/March 2008 Newsletter

Articles in this newsletter include:

• The U.S. Dollar and Your Portfolio
• All about Net Unrealized Appreciation
• Will You Pay Taxes on Your Social Security Benefits?
• Is my pension safe if my employer goes bust?

October/November 2007 Newsletter

Articles in this newsletter include:

• 2007 Year-End Tax Planning Considerations
• The Power of Dividends in a Portfolio
• Combining Term and Permanent Life Insurance
• Does Uncle Sam tax my child's college scholarship?

June/July 2007 Newsletter

Articles in this newsletter include:

• Strategies for Handling Market Volatility
• Inheriting a 401(k) Plan Account
• Estate Tax Repeal: Ramifications and Outlook
• Can reducing my credit card debt actually lower my credit score?

January/February 2007 Newsletter

Articles in this newsletter include:

• Look at What's New for 2007
• Retirement: Does Your Game Plan Need a Second Look?
• Common Types of Trusts
• What is the timeline for federal financial aid?

October/November 2006 Newsletter

Articles in this newsletter include:

• Living Longer ... but at What Cost?
• Protect Your Portfolio against Inflation
• The Pension Protection Act of 2006: What It Means to You
• Does it make sense to consider a 529 plan if my child is only a few years away from college?

August/September 2006 Newsletter

Articles in this newsletter include:

• Switching 529 Plans
• Planning for Long-Term Care
• Social Security: What Should You Do at Age 62?
• What happens if I delay collecting Social Security until after full retirement age?

June 2006 Newsletter

Articles in this newsletter include:

• Asset Selection and Allocation - Keys to Investment Success
• Landing a Better Financial Aid Package
• Should You Move ... or Improve?
• What is an Option ARM?

April 2006 Newsletter

Articles in this newsletter include:

• Retirement Plans for Your Small Business
• Women and Retirement - The Importance of Planning
• Trading Places - A New Look at 1031 Exchanges
• I'm expecting a large income tax refund - what should I do with it?

February 2006 Newsletter

Articles in this newsletter include:

• Getting a Late Start on Saving for Retirement
• Disability Insurance Basics
• Your Home as a Source of Income in Retirement
• What is a REIT?
• How will my REIT dividends be taxed for federal tax purposes?

December 2005 Newsletter

Articles in this newsletter include:

• Dos and Don'ts of Year-End Tax Planning
• It's Time to Rebalance: Do You Know Where Your Assets Are?
• Taking Money Out Of Your 401(k)
• What are the benefits of donor-advised funds?
• How do I establish a donor-advised fund?

October 2005 Newsletter

Articles in this newsletter include:

• The New Roth 401(k)
• Five Keys to Becoming an Millionaire
• Introducing the New Medicare Prescription Drug Benefit
• What are required minimum distributions (RMDs)?
• Should I delay taking my firs RMD?

August 2005 Newsletter

Articles in this newsletter include:

• Phased Retirement - A Working Solution?
• Is It Better to Pay off Your Mortgage or Invest Your Money?
• Helping Your Child Make a Successful Transition to College
• Will I have trouble getting homeowners insurance if my dog has bitten someone in the past?
• Can I get health insurance for my pet?

April 2005 Newsletter

Articles in this newsletter include:

• Tax Tips for 2005
• Traditional IRAs vs. Roth IRAs
• ILITs - Keeping Life Insurance Proceeds Out of Your Taxable Estate
• Do I Need to File a Gift Tax Return?

February 2005 Newsletter

Articles in this newsletter include:

• Charitable Giving
• Why Gift Appreciated Property To Charity?
• 529 Plans and Estate Planning
• Funding Your Future with an Annuity

December 2004 Newsletter

Articles in this newsletter include:

• How Rising Interest Rates Impact Investments
• Applying for Federal Financial Aid
• Retirement Plan and IRA Limits for 2005
• What Should I Do with My Holiday Bonus?