time for a summer tune-up before vacation? · your plan is on track toward your goals. todd a....

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TIME FOR A SUMMER TUNE-UP BEFORE 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) 488-5685 475 Regency Park, Suite 250 | O’Fallon, Illinois 62269 Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com

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Page 1: TIME FOR A SUMMER TUNE-UP BEFORE VACATION? · your plan is on track toward your goals. Todd A. Rinderer, AIF ... In today’s digital age, everyone seems to communicate electronically

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

Page 2: TIME FOR A SUMMER TUNE-UP BEFORE VACATION? · your plan is on track toward your goals. Todd A. Rinderer, AIF ... In today’s digital age, everyone seems to communicate electronically

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

Page 3: TIME FOR A SUMMER TUNE-UP BEFORE VACATION? · your plan is on track toward your goals. Todd A. Rinderer, AIF ... In today’s digital age, everyone seems to communicate electronically

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

[email protected]

Michael McCallum Senior Vice President/Investments

[email protected]

Austin Hamilton Financial Advisor

[email protected]

Breanna McCallum, CFP® Financial Advisor

[email protected]

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

Page 4: TIME FOR A SUMMER TUNE-UP BEFORE VACATION? · your plan is on track toward your goals. Todd A. Rinderer, AIF ... In today’s digital age, everyone seems to communicate electronically

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.

Page 5: TIME FOR A SUMMER TUNE-UP BEFORE VACATION? · your plan is on track toward your goals. Todd A. Rinderer, AIF ... In today’s digital age, everyone seems to communicate electronically

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

Page 6: TIME FOR A SUMMER TUNE-UP BEFORE VACATION? · your plan is on track toward your goals. Todd A. Rinderer, AIF ... In today’s digital age, everyone seems to communicate electronically

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

[email protected]

Name:

E-mail:

Carol Lee Stout Client Service Associate

[email protected]

Julie Yother, MBA Financial Advisor Associate

[email protected]

Sara Matheson Client Service Associate

[email protected]

Carla Lamb, AIF®, CRPC® Registered Operations Coordinator

[email protected]

Bailey Yother Client Service Associate

[email protected]

Yother Wealth Management Group

Page 7: TIME FOR A SUMMER TUNE-UP BEFORE VACATION? · your plan is on track toward your goals. Todd A. Rinderer, AIF ... In today’s digital age, everyone seems to communicate electronically

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.

Page 8: TIME FOR A SUMMER TUNE-UP BEFORE VACATION? · your plan is on track toward your goals. Todd A. Rinderer, AIF ... In today’s digital age, everyone seems to communicate electronically

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.

Page 9: TIME FOR A SUMMER TUNE-UP BEFORE VACATION? · your plan is on track toward your goals. Todd A. Rinderer, AIF ... In today’s digital age, everyone seems to communicate electronically

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]

Page 10: TIME FOR A SUMMER TUNE-UP BEFORE VACATION? · your plan is on track toward your goals. Todd A. Rinderer, AIF ... In today’s digital age, everyone seems to communicate electronically

WE ARE MOVING!The Medina office will be relocating.

71

77277

Route 18

Stat

e Ro

ad

Crys

tal L

ake

Road

Ridgewood Road

North

Med

ina

Line

Road

94

21

Page 11: TIME FOR A SUMMER TUNE-UP BEFORE VACATION? · your plan is on track toward your goals. Todd A. Rinderer, AIF ... In today’s digital age, everyone seems to communicate electronically

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

Page 12: TIME FOR A SUMMER TUNE-UP BEFORE VACATION? · your plan is on track toward your goals. Todd A. Rinderer, AIF ... In today’s digital age, everyone seems to communicate electronically

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?

Page 13: TIME FOR A SUMMER TUNE-UP BEFORE VACATION? · your plan is on track toward your goals. Todd A. Rinderer, AIF ... In today’s digital age, everyone seems to communicate electronically

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

Page 14: TIME FOR A SUMMER TUNE-UP BEFORE VACATION? · your plan is on track toward your goals. Todd A. Rinderer, AIF ... In today’s digital age, everyone seems to communicate electronically

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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Address: __________________________________________________________

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