**MARKET UPDATE**
ONE Source provides a market update once a month. If you would like to subscribe to our mailing list, please e-mail claire@osfgroup.com with your contact information.
October 2011 The Halloween Terminology of Investing The Witching Hours When you sit to watch the evening news and hear how Volatile the market is. It’s not so “scary” for long term investors…remember, the effect is only temporary. *Advisory Newsletter
September 2011
MANAGING YOUR INVESTMENTS IN A VOLATILE MARKET Sooner or later, it happens to many long-term investors: The portfolio you were counting on for your retirement gets caught in a declining market – and you watch as your retirement account value drops. * Stay Calm– Temper your expectations for growth. Good years usually balance not-so-good years. * See Potential Opportunity– Investing in a down market could potentially buy more of your investments with the same amount of money as before. * Resist the Urge– Don’t let market fluctuations alone, cause you to make sudden changes to your investment decisions. * Forget the Past– Don’t dwell on how much your portfolio was worth months ago. Keep in mind investing involves risk - unless you sell, the “losses” are only on paper. * Don’t Dwell on Your Portfolio– Resist the temptation to check your investments too often. Revisiting your investments too often may lead to hasty decisions that negatively impact your returns. Certainly, review your portfolio’s allocations and performance and make any necessary changes. Now and in the future you can have confidence in ONE Source Financial Group, Inc. “We do the right thing - even when no one is looking” Please contact us with any questions you might have. * Nationwide
May 2011
 WEALTH MANAGEMENT What is Wealth Management? Wealth Management is an integrated process. It involves a diverse range of services, depending on client needs, which may well include investment management and planning, financial organization, retirement, estate planning, asset protection and cash and debt management. Do you need help? Call ONE Source Financial Group, Inc. at (413) 759-0000 or (800) 779-1262 or email info@osfgroup.com.
March 2011
2011 Contribution Limits
Annual Employee Deferral Limits 401(k) and 403(b) = $16,500 Simple Plans = $11,500 Catch-Up Contributions 401(k) and 403(b) = $5,500 Simple Plans = $2,500 Come Check us out on Facebook!!!
February 2011
$ocial $ecurity Payroll Tax Reduction for 2011 & 2012 Americans earning annual wages up to $106,500 have been provided 2% extra in their take home pay. What will I do with that extra 2%? You have been provided with a new opportunity to increase your retirement savings. • Sock that cash in employer’s 401(k) or other workplace retirement plan •Stash cash in a Traditional or Roth IRA •Direct the funds into an annuity
January 2011 Have you gone ahead and made your New Year’s Resolutions? Oftentimes, financial
planning is overlooked when we make our resolutions. This year can be different..
2011 New Year’s Resolution - I will:
- Meet with my ONE Source Financial Consultant to
discuss my investments - Become focused on managing my wealth so that I
may reach my goals. - Seek guidance from my ONE Source Financial
Consultant on selecting a suitable life insurance
plan that will meet my needs. - Determine how Long Term Care Insurance will
benefit my family. - Evaluate my need for a 529 Plan.
Let ONE Source Financial Group help you reach your New Year’s Resolutions.
For additional information, please contact:
ONE Source Financial Group, Inc. at 413-759-0000.
With proper planning, this could be the year your New Year’s Resolution becomes reality December 2010 Let this year be the year you get serious about saving for your retirement. Let ONE Source Financial Group, Inc. help you so that every new year can be a financially happy one.
November 2010
As the holiday season approaches, we want to take this opportunity to thank you, our valued client, for your continued business. We wish you and your family a happy and healthy holiday season.
October 2010
Did you know?
Something as simple as increasing your contributions to tax-advantaged retirement programs, like a 401-K or IRA, can significantly help you pursue your long-term financial goals.
These contributions can also help decrease your taxable income that needs to be reported on your tax return.
Call us today at 413-759-0000 to learn more.
September 2010
On the winding road to retirement...let your 401(k) plan help get you there.
Organizing tips for the trip...
- Start by signing up for your company's 401(k) pland today and try to contribute at least enough to get the full company match, if any.
- Navigate through your plan's choice of investment options.
- Curves in the road are to be expected but don't let them throw you off course!
August 2010
We invite you to log on to our website, www.osfgroup.com, to check out the interactive learning center. Once there, check out the Cost of Retirement calculator. Simply plug in your information and the system will give you an estimate of how much money you will need in your retirement.
If you find that you would like more information about anything you read, please feel free to send us an information request or call our office at 413-759-0000.
July 2010
How ready are you for retirement?
Behind in planning- 55%
Significantly behind in planning- 25%
No retirement goals- 13%
Haven't started saving- 7%
MetLife “Retirement Readiness Index: Ages 55-64” Source: Boomer Market Advisor July 2010
As you can see, most people don’t plan for their retirement. Call us today at 413-759-0000 to help get you on the right track.
June 2010
529 College Savings Plan Facts
· 529 plans are college savings plans that anyone can open including parents, grandparents, relatives and friends.
· Contributions are made pre-tax.
· Deposits can be made at your discretion and do not need to be made monthly or annually.
· Money can be spent on tuition, fees, books and supplies.
· No age limit on the beneficiary as the savings can be used at any accredited college, or trade school, for undergraduate studies or higher education.
· www.savingforcollege.com is an interactive website with calculators and information about 529 and other college savings plans. If you wish to obtain more information on 529 plans please feel free to call our office at 413-759-0000.
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