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Important DateIf you wish to order copies of the
Let’s Talk Money® newsletter, make
changes to your existing newsletter,
please inform LTM Client Marketing by:
September 15, 2017for new subscriptions
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Article SummaryNovember/ December 2017
LTM Client Marketing125 Wolf Road, Ste. 407 | Albany, NY 12205TEL: 800-243-5334 | FAX: 800-720-0780 | EMAIL: [email protected]
[COVER PAGE]
Life insurance for the post-working lifeEven after you retire, life insurance coverage can still be an important part of your financial plan. Not only can life insurance provide a financial safety net for a surviving spouse, but it can also help you leave a financial legacy for your children.
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Let’s talk insurance Q&A• How can I be sure my life insurance proceeds don’t go
unclaimed?• Is having enough life insurance to equal eight to 12 times my
annual salary a good rule of thumb?
Legacy/Insurance Planning
[COVER PAGE]
A smart use for business dollarsAs a business owner, you may want to investigate strategies that ensure that your business will continue to provide for you financially. Options that may be worth considering include setting up a retirement plan and creating a succession plan with a funding mechanism for transferring your business upon your death.
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Let’s talk business Q&A• My spouse and I run a business. Would setting up a solo 401(k)
plan make sense?• I’m thinking of having my company take out a key person life
insurance policy on our top software designer. Is there anything we need to do in addition to getting her consent?
Small Business Needs
Trimming your holiday spendingTaking steps to keep your spending in check during the holidays can mean fewer bills in the new year.
By the numbers: holiday highlightsWhat types of gifts do people buy during the holidays? Here’s a look at the percentages of consumers who purchased various categories of gifts during the 2016 holiday season.
Finding the right fitIs your high school student looking for just the right college? Narrow the choices by considering things such as reputation, cost, location, and atmosphere in your search.
Fight refund fraudTax refund fraud has become a major concern for taxpayers. Protect your refund from identity thieves with these suggestions.
Make it automatic!Retirement isn’t the only goal that you can save for through automatic payroll deduction. Arranging to have funds from your paycheck deposited directly into a savings account can help you accumulate money for a variety of goals.
Inside Articles
[COVER PAGE]
Team up for retirement savingsYou and your spouse may have different potential sources of retirement income. That’s why it’s important to share information about your retirement accounts and coordinate your investment strategies.
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Let’s talk retirement Q&A• I’ve heard I could get part of my retirement plan contributions
back by claiming the “saver’s credit” on my federal income tax return. Could you tell me more about it?
Retirement Planning
[COVER PAGE]
Your asset mix — bring it back in lineMarket fluctuations and investment performance can change the mix of stocks, bonds, and cash alternative investments in your portfolio, exposing you to more or less risk than you intended. Rebalancing can bring your asset mix back to your original allocation or in line with your current thinking.
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Let’s talk investing Q&A• I’ve heard that holding a mix of investments from both and
defensive industries may help my portfolio’s performance. Please explain.
• What does my friend mean when she says she wants to invest in socially responsible companies?
* Standard Financial Topics is also available in Spanish.
Standard Financial Topics*
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Optional Cover Letter — November/December 2017 IssueThis letter must be used with your compliance-approved letterhead or email signature.
[Date]
Dear [Name],
Soon the holidays will be in full swing. Before you get caught up in the
preparations, take a little time to focus on your finances. In this issue of Let’s Talk
Money,® you’ll find tips that can help you:• Avoid exceeding your spending limits this holiday season • Protect yourself from tax refund fraud• Set money aside for your goals using automatic transfers
Let’s sit down soon to discuss some steps you can take to help improve your
financial outlook. It won’t take long. We can look at possible year-end strategies
and also review your insurance coverage to help make sure you and your family
are financially protected. Just knowing you have your financial life in order will
make the holidays seem even brighter. Sincerely,
[Name and Company-approved title]This material is for use with the general public and is designed for informational or educational
purposes only. This document is not intended as direct investment, legal or tax advice. The tax
information was written to support the promotion or marketing of the topics addressed. Since
insurance agents and registered representatives are prohibited from providing tax or legal advice,
be sure to consult with your attorney and tax advisor regarding your particular situation.
Each insurer is solely responsible for its own financial condition and contractual obligations. Most
insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping
them in force. I’ll be glad to provide you with cost and complete details. [NOTE: Add your company’s compliance control or approval number when required.]
Use this sample cover letter to call attention to the articles in your newsletter
• This letter has been reviewed by FINRA and various compliance departments, but we suggest that you contact your compliance department to confirm approval prior to use.
