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MORE FLEXIBILITY FOR HELPING GRANDKIDS WITH COLLEGE
Transferring a custodial account set up under the Uniform Gift to Minors Act (UGMA) or Uniform Transfers to Minors Act (UTMA) to a section 529 college savings plan can potentially result in a number of tax advantages. more

USE A QTIP TRUST TO GIVE YOUR HOUSE T0 YOUR ‘FIRST MARRIAGE' CHILDREN BUT AFTER YOUR SECOND SPOUSE DIES
Divorce is prevalent in society. Older couples married for the second time often have their own children from a first marriage. more

REFINANCE YOUR RENTAL PROPERTY FOR MORE RETIREMENT INCOME
Need more retirement income?  Tap into your rental property without selling it. more

CONVERT YOUR TRADITIONAL IRA TO A ROTH IRA FOR TAX FREE SAVINGS!
Imagine an investment account that grows tax free and you can take as much or as little out of it for as long as you live. more

THE "I'LL STOP WHEN I GET EVEN!" REFLEX
The stock market during the past 18 months has been one of the most devastating any of us can recall.  Trillions of dollars in investor’s portfolios has vaporized. more

YOU MAY LOVE EACH OTHER, BUT SHOULD YOU INVEST TOGETHER?
It’s one of the most important questions a couple will face in their relationship but it so rarely gets asked until a relationship is well underway – should we pool or separate our money for investment? more

THE SEVEN DEADLY INVESTOR TRAPS
Are you caught in the seven deadly investor traps?  Do these traps sound familiar? more

THE INVESTORS’ DILEMMA
Investing is usually done in an effort to have money to accomplish life goals and realize dreams. more

THE INS AND OUTS OF IRS AUDITS
According to the Kiplinger Letter, random federal tax audits are starting up again in October after a brief hiatus – about 13,000 taxpayers will receive letters. more

HOW YOUR PERSONALITY AFFECTS YOUR FINANCIAL DECISION-MAKING
The recent volatility in the stock market has everyone a little jumpy – even folks who have worked with a trusted financial planner for years. more

INVESTOR ILLUSIONS
Everyone knows that a crystal is used to look into the future.  Most of us realize, however, that you can’t make important life decisions based on an image foretold by a crystal ball. more

THE SCIENCE OF SUCCESS
Long-term evidence proves that discipline and diversification are more effective than trying to beat the market. more

THE BEST TIME FOR A BUSINESS DISASTER PLAN? BEFORE THE DISASTER HAPPENS
Before 9/11 and Hurricane Katrina, the concept of a business “disaster plan” was envisioned mainly in terms of weather- or fire-related disasters and heavy on the notion of evacuation. more

WHAT ARE EXCHANGE-TRADED FUNDS AND HOW DO THEY WORK?
An exchange-traded fund (ETF) is a basket of securities created to track as closely as possible a particular market index, such as the Standard & Poor’s 500 Index or the Dow Jones Industrial Average. more

LOSING YOUR INHERITANCE TO UNCLE SAM - OR OTHERS
Successful estate planning takes not one generation, but two. The first generation needs to make a clear, sensible plan and the second needs to be involved in that plan. more

GETTING THE KIDS INVOLVED IN SAVING FOR COLLEGE
The World War II generation got a taste of higher education through the G.I. Bill and made it a point to supplement or pay their kids’ tuition. more

THREE STRIKES, YOU'RE OUT!
There are two basic investment strategy theories. The first is that Free Markets Fail to accurately price stocks, therefore smart people, working diligently, can discover which stocks are mispriced by the market. more

WHAT MOST INVESTORS OVERLOOK ... AND WHAT MOST ADVISORS DON'T EXPLAIN
Charles Massimo, president and founder of CJM Fiscal Management (Garden City, NJ), sees five common mistakes made by all investors at all levels of wealth and investment experience: more

IS CONVENTIONAL PLANNING RIGHT FOR YOU?
Do online interactive financial planning models really help people in deciding how much to save, to insure, and to invest in stocks and other asset classes? more

A GUIDE TO WITHDRAWING RETIREMENT ASSETS
A lot is being written about how much money American s can withdraw from their investments to fund their retirement years. more

MAKING A HOME SENIOR FRIENDLY
Many older Americans want to age in place, to live in their homes rather than relocate to a nursing home or an assisted living facility. more

CONSERVING CLIENT PORTFOLIOS
The questions are more than academic.  1.  “How much can an investor afford to withdraw from their portfolio during retirement, while minimizing the risk of exhausting that portfolio prematurely?” more

NAVIGATING INTEREST RATES, INFLATION AND THE ECONOMY
These are tricky times for American investors and consumers in general.  The economy seems to be cooling down! more

THE CORRECT WAY TO USE LIFECYCLE MUTUAL FUNDS
Target-date and target-risk funds have become popular investments among 401(k) plan participants and retirement investors, especially those who have neither the time, knowledge nor inclination to create and manage an investment portfolio. more

ILITS REMAIN A POPULAR ESTATE PLANNING TOOL AND TECHNIQUE
The federal estate tax may or may not be repealed or reformed anytime soon. more

THE IMPORTANCE OF AN ANNUAL FINANCIAL CHECKUP
It’s one of the six steps of the financial planning process. But, oftentimes, it’s the one step that gets overlooked. more

THE TRUTH ABOUT SMALL-BUSINESS SUCCESSION PLANNING
Of all the things facing a man or woman from the moment he or she becomes chief executive officer of a large company, few have a higher priority than determining who will succeed him or her when it becomes necessary. more

A BRAVE NEW FINANCIAL WORLD FOR BABY BOOMERS
On any given day, you will find not one but several studies that examine the current state of affairs for Baby Boomers, the 77 million Americans born between 1946 and 1964 that are now slowly approaching retirement. more

A NEW APPROACH TO SELECTING A FINANCIAL PLANNER
Selecting a financial planner has never been an easy task. more

THE PERPLEXING WORLD OF SOCIAL SECURITY AND EARNINGS IN RETIREMENT Launched in 1935 during the Great Depression as a principal component of Franklin D. Roosevelt’s New Deal recovery program, the Social Security System has earned an unquestionable reputation for the reliability of its stream of monthly checks to retirees, the nation’s first comprehensive source of retirement income. more

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1ST SECURITIES MANAGEMENT, INC. IS A REGISTERED INVESTMENT ADVISER. INFORMATION PRESENTED IS FOR EDUCATONAL PURPOSES ONLY AND DOES NOT INTEND TO MAKE AN OFFER OR SOLICITATION FOR THE SALE OR PURCHASE OF ANY SECURITIES. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. INVESTMENTS INVOLVE RISK AND UNLESS OTHERWISE STATED, ARE NOT GUARANTEED. BE SURE TO FIRST CONSULT WITH A QUALIFIED FINANCIAL ADVISER AND/OR TAX PROFESSIONAL BEFORE IMPLEMENTING ANY STRATEGY DISCUSSED HERE.

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