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.

September

Beat the Big Three What Ifs
Taxes, inflation, and medical costs — among other factors — could have an unanticipated effect on your retirement. There may be little you can do to combat them once you are no longer working.

Stay Off the Phishing Hook
In the run-up to this year’s April 15 tax deadline, taxpayers forwarded more than 33,000 phishing scam e-mails to the IRS, causing the agency to put phishing at the top of its annual list of scams of concern to taxpayers.

Charity That Pays
By organizing your giving, you can make it more effective, allowing your largess to benefit not only the intended charity, but potentially yourself and your heirs. Two popular ways to structure your giving are charitable lead trusts and charitable remainder trusts.

Your Best Interest
Successfully managing credit is crucial, but there are some arcane credit-card rules that may affect your balance, your interest rate, and even your credit score.

Put Some Infrastructure in Your Portfolio
The normally placid muni bond market has been roiled by a confluence of variables related to the stock market, slow economic growth, and credit-market woes. One result has been yields high enough to get the attention of investors who normally stick to Treasurys.

Life Lessons
Research shows that most people who own life insurance may not have adequate coverage. The real problem is that many of these people may not find out that they lack the proper coverage until it's too late.
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.


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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. September Beat the Big Three What Ifs Taxes, inflation, and medical costs — among other factors — could have an unanticipated effect on your retirement. There may be little you can do to combat them once you are no longer working. Stay Off the Phishing Hook In the run-up to this year’s April 15 tax deadline, taxpayers forwarded more than 33,000 phishing scam e-mails to the IRS, causing the agency to put phishing at the top of its annual list of scams of concern to taxpayers. Charity That Pays By organizing your giving, you can make it more effective, allowing your largess to benefit not only the intended charity, but potentially yourself and your heirs. Two popular ways to structure your giving are charitable lead trusts and charitable remainder trusts. Your Best Interest Successfully managing credit is crucial, but there are some arcane credit-card rules that may affect your balance, your interest rate, and even your credit score. Put Some Infrastructure in Your Portfolio The normally placid muni bond market has been roiled by a confluence of variables related to the stock market, slow economic growth, and credit-market woes. One result has been yields high enough to get the attention of investors who normally stick to Treasurys. Life Lessons Research shows that most people who own life insurance may not have adequate coverage. The real problem is that many of these people may not find out that they lack the proper coverage until it's too late. 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.
JL Peggs Financial in Seminole FL provides a wide range of financial planning and advice throughout the state of Florida. These services include retirement and estate planning, individual needs analysis regarding income planning and projections, IRA rollovers, FRS and DROP information, variable annuities, mutual funds, tax credit investing, life insurance, and long term care. *Securities and Investment Advisory Services offered through Woodbury Financial Services, Inc, Member FINRA,SIPC and Registered Investment Advisor, P.O. Box 64284, St. Paul, MN 55164, (800) 800-2000. J.L. Peggs Financial and Woodbury Financial Sevices, Inc. are not affiliated entities. Larry Peggs is securities and insurance licensed in CT, FL, IN, MA, MI, PA and WA. Securities licensed CO, GA, and OR. Insurance licensed in KY, NE, NM, NY, OH, TN and VA, and a FLORIDA resident. J.L. Peggs Financial services are available only in the states listed above.

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