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Most Americans spend more time planning for vacations and holidays than planning for their retirement.¹
¹ Employee Benefit Research Insitute, 2007

Will you outlive your retirement income? How much liability insurance should you have? Should you add stocks to your portfolio? Are your financial expectations for the coming year realistic?

Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics below to read the article in its entirety.

August

The Election and Your Money
In this year’s election, there are issues, such as energy, free trade, and inflation, playing a role that could have a significant effect on investors and consumers over the next four years.

It’s Your Home, Not Your Retirement
Although downsizing or using a reverse mortgage to free up home equity can be appropriate for some older retirees, planning to rely on your home to fund your retirement is a corner you may not want to paint yourself into.

Protect Your Downside
When the economy takes a turn for the worse, bond mutual funds offer investors a chance to diversify their holdings and dampen risk.

Every Little Bit Helps
IRA catch-up contributions enable investors aged 50 and older to make up ground in saving for retirement, whether they had a late start or just want to sock away more money.

What’s in It for You?
The Economic Stimulus Act of 2008 contained favorable provisions that will benefit small business. It appears that the government wants to inspire businesses to spend freely, too.

Good Time to Keep Going
Inflation is rising. Home prices are falling. Oil and stock prices are volatile. Could this be a good time to ramp up your retirement savings? You might be surprised at the answer.
July

Take It Year by Year
The Federal Reserve has been cutting interest rates fast and deep. Although not all consumers rates are directly affected by the cuts, they highlight turmoil in the credit markets, rising inflation, and the possibility of slower economic growth.

Get Schooled on Saving for College
One way to be prepared for the possibility that the tab for higher education may be higher than expected is to own take advantage of the tax benefits of 529 plans.

Are the Times A-Changin'?
As the election year rolls along, Americans are facing an uncertain future and an election that could be the harbinger of great change.

Estimate Your Estate
It is imperative to have an estate conservation strategy. Taking an inventory of your assets is a good place to start.

Surviving the Estate Tax with Survivorship Life
People who never imagined they would have enough assets to trigger estate taxes could be in for a surprise. One way to help plan for this possibility is by purchasing a survivorship life insurance policy.

It's Not as Bad as You Think
Economic indicators, including GDP, are signaling continued growth, but consumer confidence is lower than it's been in years. Why do these figures seem to be moving in opposite directions?

June

What Does the Dollar Do for You?
Which is preferable, a strong dollar or a weak one?

No Better Time Than Now
You may not associate this time of year with reviewing the beneficiaries on your life insurance policy — nonetheless, it can be a good time to take this important step.

For Income, Pick Up This Split
A split-annuity strategy can help you begin receiving an income stream that has the potential to last well into the future.

Heir-Tight Estate Conservation
An incentive trust can help reinforce the lessons you taught your children during your life.

Population Boomer
The nearly 80 million boomers, who have reinvented so many aspects of American life, appear poised to leave their unique mark on retirement and possibly transform the economy in the process.

What's Next for IPOs?
Only 10 companies went public on U.S. stock exchanges in the first quarter of 2008. Even if you never participate in an initial public offering, the IPO market can reveal a wealth of clues about the financial climate at home and abroad.
May

Define Your Own Benefits
Everyone wants to be a happy retiree someday, but there's a big problem.

Where Will You Roll?
An IRA is not really an investment in itself, but rather a special type of account that can be invested in thousands of ways.

In a Category All Its Own
Since exchange-traded funds (ETFs) were first introduced in 1993, interest in them has grown steadily.

New Lease on Life
Can your risk-protection strategy benefit from a whole-life insurance policy?

Go Green, But with Care
Socially responsible investing has become a force to be reckoned with.

April

Manage Your Tax Burden
If tax season has you searching for ways to lighten your tax load, here are two options to consider.

Conserve Your Estate
Are your estate strategies up-to-date and ready for whatever legislative changes lie ahead?

More Reasons to Convert
Thanks to tax law changes, converting traditional IRA assets to a Roth IRA, or rolling over employer-sponsored retirement plans to a Roth, has become more attractive.

The Cost of Care
When preparing for life in retirement, you should consider the possibility that you may need long-term care at some point.

Fuel for the Economy
The world has become so dependent on oil that most economies simply could not exist in their present forms without it.

What Would Warren Do?
Investors who are uncertain how to react to bad news and troubling economic indicators could find themselves making matters worse with wrong moves that serve only to make them feel better. How does the world's top investor, Warren Buffett, react to market volatility?


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Newsletters Most Americans spend more time planning for vacations and holidays than planning for their retirement.¹ ¹ Employee Benefit Research Insitute, 2007 Will you outlive your retirement income? How much liability insurance should you have? Should you add stocks to your portfolio? Are your financial expectations for the coming year realistic? Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics below to read the article in its entirety. August The Election and Your Money In this year’s election, there are issues, such as energy, free trade, and inflation, playing a role that could have a significant effect on investors and consumers over the next four years. It’s Your Home, Not Your Retirement Although downsizing or using a reverse mortgage to free up home equity can be appropriate for some older retirees, planning to rely on your home to fund your retirement is a corner you may not want to paint yourself into. Protect Your Downside When the economy takes a turn for the worse, bond mutual funds offer investors a chance to diversify their holdings and dampen risk. Every Little Bit Helps IRA catch-up contributions enable investors aged 50 and older to make up ground in saving for retirement, whether they had a late start or just want to sock away more money. What’s in It for You? The Economic Stimulus Act of 2008 contained favorable provisions that will benefit small business. It appears that the government wants to inspire businesses to spend freely, too. Good Time to Keep Going Inflation is rising. Home prices are falling. Oil and stock prices are volatile. Could this be a good time to ramp up your retirement savings? You might be surprised at the answer. July Take It Year by Year The Federal Reserve has been cutting interest rates fast and deep. Although not all consumers rates are directly affected by the cuts, they highlight turmoil in the credit markets, rising inflation, and the possibility of slower economic growth. Get Schooled on Saving for College One way to be prepared for the possibility that the tab for higher education may be higher than expected is to own take advantage of the tax benefits of 529 plans. Are the Times A-Changin'? As the election year rolls along, Americans are facing an uncertain future and an election that could be the harbinger of great change. Estimate Your Estate It is imperative to have an estate conservation strategy. Taking an inventory of your assets is a good place to start. Surviving the Estate Tax with Survivorship Life People who never imagined they would have enough assets to trigger estate taxes could be in for a surprise. One way to help plan for this possibility is by purchasing a survivorship life insurance policy. It's Not as Bad as You Think Economic indicators, including GDP, are signaling continued growth, but consumer confidence is lower than it's been in years. Why do these figures seem to be moving in opposite directions? June What Does the Dollar Do for You? Which is preferable, a strong dollar or a weak one? No Better Time Than Now You may not associate this time of year with reviewing the beneficiaries on your life insurance policy — nonetheless, it can be a good time to take this important step. For Income, Pick Up This Split A split-annuity strategy can help you begin receiving an income stream that has the potential to last well into the future. Heir-Tight Estate Conservation An incentive trust can help reinforce the lessons you taught your children during your life. Population Boomer The nearly 80 million boomers, who have reinvented so many aspects of American life, appear poised to leave their unique mark on retirement and possibly transform the economy in the process. What's Next for IPOs? Only 10 companies went public on U.S. stock exchanges in the first quarter of 2008. Even if you never participate in an initial public offering, the IPO market can reveal a wealth of clues about the financial climate at home and abroad. May Define Your Own Benefits Everyone wants to be a happy retiree someday, but there's a big problem. Where Will You Roll? An IRA is not really an investment in itself, but rather a special type of account that can be invested in thousands of ways. In a Category All Its Own Since exchange-traded funds (ETFs) were first introduced in 1993, interest in them has grown steadily. New Lease on Life Can your risk-protection strategy benefit from a whole-life insurance policy? Go Green, But with Care Socially responsible investing has become a force to be reckoned with. April Manage Your Tax Burden If tax season has you searching for ways to lighten your tax load, here are two options to consider. Conserve Your Estate Are your estate strategies up-to-date and ready for whatever legislative changes lie ahead? More Reasons to Convert Thanks to tax law changes, converting traditional IRA assets to a Roth IRA, or rolling over employer-sponsored retirement plans to a Roth, has become more attractive. The Cost of Care When preparing for life in retirement, you should consider the possibility that you may need long-term care at some point. Fuel for the Economy The world has become so dependent on oil that most economies simply could not exist in their present forms without it. What Would Warren Do? Investors who are uncertain how to react to bad news and troubling economic indicators could find themselves making matters worse with wrong moves that serve only to make them feel better. How does the world's top investor, Warren Buffett, react to market volatility?
Bruce Matthews is a registered representative of, and securities offered solely by Beneficial Investment Services, Inc., a wholly owned subsidiary of Beneficial Financial Group, member FINRA/SIPC. 150 Social Hall Avenue, suite 500, Salt Lake City, UT 84136, (800) 278-1103. All TruOptions Companies and Beneficial Financial Group are independent of each other. TruOptions, Bruce Matthews, nor Beneficial Investment Services offer tax or legal advice. Individuals are encouraged to consult with their respected tax and legal advisor.

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