time for a summer tune-up before vacation? · your plan is on track toward your goals. todd a....
TRANSCRIPT
TIME FOR A SUMMER TUNE-UPBEFORE VACATION?
Does your investment plan need a tune-up?It’s easy to put your investments on cruise control and assume that they’ll reach their desired destination with ease. However, as your
situation changes, your plan may need a tune-up.
Call us to schedule a review meeting to help ensure your plan is on track toward your goals.
Todd A. Rinderer, AIF®
Senior Vice President/Investments
(618) 233-5685 | (800) 488-5685475 Regency Park, Suite 250 | O’Fallon, Illinois 62269
Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com
We are pleased to be the 2019 VIP Sponsor and welcome the VIP guests to the
28th Annual Big Bull Falls Blues Festival
Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com One Corporate Drive, Suite 602 | Wausau, Wisconsin 54401 | (715) 848-2911
Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com
PLUS MONEY PURCHASE PLAN FOR FIREFIGHTERS AND POLICE OFFICERS
Are you a City of Glenwood Springs full-time employee? If so, did you know the City of Glenwood Springs puts a discretionary 4% contribution in your 401(k)? And if the participant puts 3% of their own salary pretax, the city will match another 3%. This is a total of 10% of your salary going into your 401(k) today!
Take for example the following scenario:If “Tom,” age 25, makes $30,000 a year and puts 10% of his salary into his 401(k) every year until he reaches age 65 (receiving a return of 7%), he will have $598,905.34 for retirement. If “Tom” can receive a return of 10%, he will have $1,327,777.67 for retirement at age 65.
Rodney Naylor, AIF®
Vice President/Investments Branch Manager
Michael McCallum Senior Vice President/Investments
Austin Hamilton Financial Advisor
Breanna McCallum, CFP® Financial Advisor
PIctured left to right: Cindy Peters, CRC®, Jeffrey W. Brummet, AIF®, CWA®, and Katie Brummet
MNS Financial Group
It’s Never Too Early to Start Planning for Retirement …
Enroll in Your 401(k) Today!
Once you are eligible, contact the MNS Financial Group today to find out how we can help!
* This is a hypothetical illustration only, assuming a 7% and 10% annual return compounded monthly, and is not indicative of the performance of any particular investment.
Value at Age 65
7% Interest Compounded
Monthly
10% Interest Compounded
Monthly
$598,905.34
$1,327,777.67
(970) 945-5275 | (866) 503-66322520 South Grand Avenue, Suite 210 | Glenwood Springs, Colorado 81601
Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com
950 Trade Centre Way, Suite 305 | Portage, Michigan 49002
(269) 384-1122www.rayfinancialgroupofstifel.com
Kent RaySenior Vice President/Investments
Jeff T. Siefert, CFP®
Vice President/InvestmentsGreg Seiler, CFP®
Vice President/Investments
Rena FieldsRegistered Client Service Associate
Sue BrennerRegistered Client Service Associate
Ray Financial Group
A wealth management firm that believes in commitment … to its employees, its clients, and its community.
We built it.
We honor our relationships. Each of our team members will take the time to truly listen and understand your needs. We will help you clarify your goals and provide you with a roadmap that sets the course toward your financial objectives.
We are fully invested in your success. We will help you stay disciplined to your goals through thoughtful strategies, in-depth analysis of your investments, and regular feedback on your portfolio’s progress.
We are here every step of the way. As your needs and goals evolve and change over time, we are here to provide ongoing guidance through the ups and downs of markets and economic cycles.
Our mission is to establish a life-long relationship with you based on a foundation of trust and satisfaction. We will work with you to explore your long-term goals and formulate a comprehensive plan to help you pursue those goals. We will actively monitor the progress of these goals by providing ongoing guidance and direction.
Our Commitment to You
We focus on what’s important – YOU.
Ray Financial Group
Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com(931) 881-2100 | 1420 Neal Street, Suite 203 | Cookeville, Tennessee 38501
@
In today’s digital age, everyone seems to communicate electronically.
We would like to be able to do that with you.
Please contact a team member with your current e-mail address.
Mike Yother, AIF®, MBA Senior Vice President/Investments
Portfolio Manager — Solutions Program
Name:
E-mail:
Carol Lee Stout Client Service Associate
Julie Yother, MBA Financial Advisor Associate
Sara Matheson Client Service Associate
Carla Lamb, AIF®, CRPC® Registered Operations Coordinator
Bailey Yother Client Service Associate
Yother Wealth Management Group
If you’re a Colorado taxpayer, every dollar you contribute can be deducted from your Colorado taxable income.
Withdrawals used to pay for qualified higher education expenses, including tuition, room and board, books, and required supplies, are not subject to federal income tax, and they’re excluded from state income tax in many states.
And now, 529 Plan withdrawals can also be used to pay for up to $10,000 per year of tuition at private or religious elementary or secondary schools (K-12).
WHAT IS THE MOST IMPORTANT PART OF SAVING FOR COLLEGE?
STARTING NOW.
For more information on how Stifel can assist you with your 529 Plan, please contact
The Niedermeyer Krueger Team at (866) 543-5108.
• Start a 529 Corporate Savings Account• Any current 529 can be rolled into the new plan• Benefit from the Institutional Share Classes
of the Corporate Plan
Todd NiedermeyerSenior Vice President/Investments
Eric Krueger Vice President/Investments
Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.comOne Montgomery Street, Suite 3700 | San Francisco, California 94104
SOLUTION
Investors should consider carefully the investment objectives, risks, and charges and expenses associated with a 529 Plan before investing or sending money. The official program offering statement, which includes information on municipal fund securities, is available from your Financial Advisor and should be read carefully before investing. The value of a 529 account may fluctuate, and there is no guarantee that any investment portfolio will achieve the stated goal. Your investment may be worth more or less than its original value. Non-qualified withdrawals are taxable as ordinary income to the extent of earnings and may also be subject to a 10% federal income tax penalty. State tax treatment may differ. Investors should discuss their particular tax situation with a tax professional.
Changeis good.
Grow with us in our new Irvine Spectrum office Opening Fall 2019
Photo used with permission of The Irvine Company. ©2018 The Irvine Company LLC. All rights reserved.
20 Pacifica, Suite 1400Irvine, California 92618
Stifel, Nicolaus & Company, Incorporated Member SIPC & NYSE | www.stifel.com
Since the opening of Stifel’s Irvine Spectrum branch in 2011, we’ve grown to be one of the largest offices on the West Coast. And we’re looking for more like-minded, entrepreneurial-spirited advisors to continue our growth. Backed by a leading technological and investment platform, one of the most rewarding compensation programs in the industry, and an advisor-centric culture, Stifel’s total package is hard to beat. I welcome the opportunity to share what our firm has to offer you and your practice.
My phone number will remain: (949) 271-5121
Our new location will be: 400 Spectrum Center Drive, Suite 2000
Susan DixonSenior Vice President/InvestmentsBranch [email protected]
WE ARE MOVING!The Medina office will be relocating.
71
77277
Route 18
Stat
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Ridgewood Road
North
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Effective September 30, we can be reached at: 3800 Embassy Parkway, Suite 200
Fairlawn, Ohio 44333
Our new phone numbers are: (330) 668-6257 main
(866) 522-3849 toll-free
Please feel free to visit us in our new location.
3645 Medina RoadMedina, Ohio 44256
Stifel, Nicolaus & Company, IncorporatedMember SIPC & NYSE | www.stifel.com
Protect Your FutureLife insurance can play a key role in helping to• replace income• eliminate a mortgage• fund education
How much should I have?
What type do I need?
Are my policies doing what I need them to do?
The best time to plan to protect your family’s future is long before you may need it! Contact me today.
Bryan A. Ruder, CFP®, AAMS®, AIF®
Associate Vice President/Investments
[email protected](812) 475-9353 | www.ruderinvestmentgroup.com3000 E. Morgan Avenue, Suite A | Evansville, Indiana 47711
Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com
Ruder Investment GroupPREPAID POSTAGE
If you would like to learn more about the services we offer, please fill out this reply card and send it back to us.
□ A second opinion on my portfolio/financial strategy□ A copy of “Accumulating, Preserving, and Passing Wealth”□ Our Wealth Management Newsletter
Let’s Connect!
(715) 852-6171 | (877) 824-2541
3704 Oakwood Hills Parkway Eau Claire, Wisconsin 54701
Webb Investment GroupScott S. Webb
Senior Vice President/Investments
Jon D. BoweFinancial Advisor Associate
Melody A. Dragseth Senior Registered Client Service Associate
Megan L. SimmonsClient Service Associate
Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com
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