Anthony's Loose Change eNewsletter

Anthony Penree

Financial Advisor

ABC Company

236 Broadway

Menands, NY 12204

Phone: 518-870-1081

Email: apenree@ltmclientmarketing.com

Website: ltmclientmarketing.com

September/October 2019

Changing Your Retirement Start Date

As you near retirement, you’ll need to make some financial decisions that will affect the rest of your life. We say will because even inaction is a decision. Foremost among these decisions is when you begin drawing retirement income, from Social Security and a Health Savings Account to an IRA and 401(k) plan. Everyone’s situation is different, but the following diverse scenarios may ring a bell with you.

Build an Emergency Fund

When the government partially shut down last January, we learned that many Americans didn’t have even one paycheck’s worth of savings to tide them over. Having an emergency fund is essential to ensure funds are available when unexpected financial hardships occur.

Curb Holiday Spending

Now is the time to prepare financially for the holidays.

Spousal Catch-Up

While many Americans have difficulty putting enough money away for retirement, stay-at-home spouses have even greater difficulty due to typically low or no lifetime earnings. This can affect how much they get in Social Security benefits and via retirement plans. If this sounds familiar to you, take hope: There are ways to help ensure your retirement income.

Managing Market Volatility

It seems like any piece of news can either rattle or encourage stock markets these days, propelling stock prices to rapidly decrease or increase and giving some investors heartburn as they worry and watch.

Know Your 401(k) Words

If you’re like many workers, you contribute to a company-sponsored 401(k) plan, but you might not understand all the financial jargon that comes with one. If you’re among the justifiably confused, some of these definitions may clear up any uncertainty.

Preparing Financially for Winter

Severe snow, ice and cold are not laughing matters. They increase the number of vehicle accidents and cause blackouts, property damage, hypothermia, heart attacks and carbon monoxide poisoning.

Holiday Spending Soars

Holiday online spending via the MasterCard payments network from November 1 through December 24, 2018 increased 5.1% to around $850 billion. Online holiday spending comprised 13% of total holiday sales, an increase of 19.1%, according to MasterCard Spending Pulse. Here’s how we spent some of those billions online:

Family Matters

If starting and running a successful business is difficult, doing the same as a family business can seem next to impossible. You can avoid the pitfalls by setting and following some ground rules. Here are a few to consider:

Finding the Right Franchise

For many people, starting a franchised business is the quickest way to launch a company. The best franchises provide all sorts of support and may provide access to financial and other products you need at a reduced cost. But you can also find unexpected challenges, including franchise rules that control how you run your business. Here’s how to find a happy medium:

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ABC Company 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. * Securities offered through ABC Company, Member SIPC, 45 Prospect Ave, Albany, NY 12206.

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