Dice Financial Services Group Loose Change E-Newsletter

Dice Financial Services Group

1716 N. Sanborn Blvd, PO Box 790

Mitchell, SD 57301

Phone: 605-996-7171

Toll Free: 800-658-3603

Website: www.dicefinancial.com

May/June 2023

All About Inflation

All it takes is a weekly trip to the supermarket or your favorite department store to know that, after several years of low inflation, the purchasing power of your money has declined significantly.

Should You Buy a Disability Policy?

According to Social Security Adminstration statistics, one in four 20-year-olds will become disabiled before reaching retirement age. A disability insurance policy is designed to replace a portion of your income if you become ill or injured and can't work.

Will Your RMDs Trigger Medicare Surcharges?

There are benefits of saving as much as possible in your employer’s tax-qualified retirement plan. Your taxable income is reduced by the amount you contribute and your savings has the potential to accumulate tax-free until you’re ready to withdraw it in retirement. But why didn’t anyone tell you about IRMAA?

Estate Planning for the Younger Crowd

If you are in your 20s or 30s you may not have given thought to estate planning. However, creating a basic estate plan may help protect you if the unforeseen happens.

The Name Game

Here’s a snapshot of the important documents and accounts you’ll need to update if you have moved or changed your name.

FAFSA 101

If your child will start college in 2024, you’ll want to submit a FAFSA when the form becomes available on October 1, 2023.

What You Need to Know About Bond Funds

During an unsettled economy, investors often turn to bonds as a hedge against fluctuating stock values. While bonds can offer a buffer, they may not provide returns that outpace inflation, bond funds still can play an important role in your portfolio.

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Securities and investment advisory services offered through Royal Alliance Associates, Inc. [ RAA], Member FINRA/SIPC. RAA is separately owned and other entities and/or marketing names, products or services referenced here are independent of RAA. Insurance Services offered through Dice Financial Services Group.
Thomas J. Dice, Jerauld Garry, Michael LeBrun, Jacquelyn Johnson, and Jesse Tolsma are registered representatives of and offer securities products and services through RAA. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, MN, MO, MT, NC, ND, NE, NY, OK, OR, SC, TX, UT, VA, WA, WI, and WY. No offers may be made or accepted from any resident outside the specific states referenced.
Thomas J. Dice, Jerauld Garry, Michael LeBrun, Jacquelyn Johnson, and Jesse Tolsma are also separately registered as investment advisor representatives under Dice Financial Investment Advisory, a registered investment adviser, offering advisory services in the state of SD.
Thomas Dice offers additional investment advisory services through RAA.
Fixed and/or Traditional Insurance Services offered through Dice Financial Services Group.
Listed entities are not affiliated.
The broker-dealer [BD], investment advisor, BD agent or investment advisory [IA] rep in question may only transact business in a state if first registered, excluded or exempted from state broker-dealer, investment advisor, BD agent or IA rep registration requirements, as may be; and follow-up, individualized responses to persons in a state by such broker dealer, investment adviser, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as may be, will not be made absent compliance with state broker-dealer, investment adviser, BD agent or IA rep registration requirements, or an applicable exemption or exclusion. For information concerning the licensure status or disciplinary history of a broker/dealer, investment advisor, BD agent or IA representative, a consumer should contact his or her stated securities law administrator. For securities information a consumer may also contact the Financial Industry Regulatory Authority (FINRA) at the following toll-free number: (800) 289-9999 or their web address www.finra.org.

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