Joe Jaspers's Loose Change Newsletter

Joe Jaspers, CFP^®

Vice President, Wealth Management

Carolinas Telco Capital Advisors

Located at Carolinas Telco FCU

9813 South Blvd, Suite 101

Charlotte, NC 28273

Phone: 704-391-5600

Toll Free: 800-622-5305, ext. 2608

Fax: 704-556-1652

Email: joe.jaspers@lpl.com

September/October 2021

Tailor Fit Your Benefits

Open enrollment gives you the opportunity to review the benefits your employer will offer in the coming year. It’s important to look at all your options and make selections based on your current needs.

Reward Employees

Employee incentive programs encourage excellence and promote worker loyalty that can help your company reach its business goals. As a small business, you may have to limit the number of incentives you offer, so it’s important to know what employees value most.

No Place Like Home

Thinking about buying a house? Here’s what you need to know.

Diversify to Calm Your Nerves

You don’t have a crystal ball, but you do have one tool in your financial toolbox that can help cushion your portfolio against any market fluctuations: Diversification.*

RMDs: Know the Rules

Whether you’ve already begun taking required minimum distributions (RMDs) from your retirement accounts, or you’re just about to begin, consulting your financial professional to make sure that you understand the rules that govern these accounts will help you avoid costly mistakes.

Ladder Annuities can Provide a Steady Income

Are you seeking an investment that provides guaranteed income in retirement? You might want to consider immediate annuities.

Create an Emergency Plan

Natural or human-made disasters don’t wait for you to prepare for them. They could happen at any time.

Prepare a "Go Kit"

If you're forced to evacuate your home quickly, having everything you need packed can save precious minutes.

Millennials: Shore Up Your Finances

Falling behind when it comes to saving money? The good news is you still have time to play catchup. Here are some moves that can help you get your finances to a better place.

Hiring When Your Budget's Tight

If your business’s profits declined during the pandemic you may be looking for ways to build momentum. This may involve hiring new employees. The challenge is to obtain the expertise that your business needs in the most cost-efficient way possible. Hiring an older worker may be the answer.

CONTACT US

Enter your Name, Email Address and a short message. We'll respond to you as soon as possible.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Carolinas Telco FCU and Carolinas Telco Capital Advisors are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Carolinas Telco Capital Advisors, and may also be employees of Carolinas Telco FCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of, Carolinas Telco FCU or Carolinas Telco Capital Advisors. Securities and insurance offered through LPL or its affiliates are:

This publication is not intended as legal or tax advice. All individuals, including those involved in the estate planning process, are advised to meet with their tax and legal professionals. The individual sponsor of this newsletter will work with your tax and legal advisors to help select appropriate product solutions. We do not endorse or guarantee the content or services of any website mentioned in this newsletter. We encourage you to review the privacy policy of each website you visit. Limitations, restrictions and other rules and regulations apply to many of the financial and insurance products and concepts presented in this newsletter, and they may differ according to individual situations. The publisher and sponsor do not assume liability for financial decisions based on the newsletter’s contents.
The sender 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.

The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.