Dice Financial Services Group

1716 N. Sanborn Blvd, PO Box 790 Mitchell, SD 57301

Phone: 605-996-7171

Toll-free:  800-658-3603 


November/December 2018

Year-End Investing Moves

As the New Year approaches, consider reviewing your investments to ensure your investment strategy continues to reflect your personal and financial goals. Here are six ideas to consider.

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Save Automatically

If you’re already saving for retirement through automatic payroll deductions, you know what an easy and convenient way it is to save for your future.

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Ready, Set, Spend

After a lifetime of saving, you’re ready to retire. Now it’s time to do something some retirees find hard to do: Shift from a saving to a spending mindset.

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Big Hearts: Giving to Charity

Americans gave an estimated $390.05 billion to U.S. charities in 2016, according to Giving USA 2017: The Annual Report on Philanthropy for the Year 2016 (from the Giving USA Foundation, the Giving Institute and the Indiana University Lilly Family School of Philanthropy). The total includes charitable contributions made by individuals, estates, foundations and corporations.

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Giving Life Insurance

In this season of giving, some people want to give more to a favorite charity or organization, but don’t have the funds to do so. Giving the gift of life insurance is a cost-efficient way to increase your charitable giving:

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Cut Your Holiday Travel Costs

Americans usually travel during the holidays, which can cost more than a few dollars even with thoughtful planning. Here’s how to save money on the ground and in the air.

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How We Give

In 2016, Americans continued to give billions of dollars in charitable contributions to their favorite causes and organizations.* Here’s the breakdown of who gave what:

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Save Big After the Holidays

If you want to score big on bargain-priced goodies, one of the best times to buy is right after the holidays. Here’s how to rack up big money-savings.

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Catching Up

Family life is expensive. Housing, medical, education, food, utilities all take a toll on your budget each month.

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Year-End Tips for Business Owners

If you own a business, the end of any year is a good time to review your practices and examine ways to become more efficient and profitable. Check out these considerations:

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Securities offered through: Royal Alliance Associates, Inc. [ RAA], Member FINRA/SIPC. Insurance Services offered through Dice Financial Services Group. Advisory services offered through Dice Financial Investment Advisory, a registered investment advisor. 
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 

  Dice Financial Services Group and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

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