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National Press Turns to Money Matters for insight on issues affecting today's investors. View Recent Press Featuring Ken Moraif:

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Financial & Retirement Planning

Your retirement should be your second childhood without parental supervision.

You should enjoy yourself -- go play, travel, have fun! Stay out late!

To do that you must have a solid financial plan that you have confidence in. Have you ever seen change like we are experiencing now? Have you ever seen deficits like we are running? Markets so volatile? The future so insecure?

If you are concerned about your financial security, please sign up for Ken's next seminar. It's designed for those of you who are at the average retirement age, which is over the age of 50.  You will also get to enjoy some of the now World Famous Oatmeal Raisin and Chocolate Chunk Cookies!

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Three Ways to Manage Your Risk Today


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Market Watch: 3 ‘sell’ strategies to protect retirement savings

"The latest recession was a huge learning lesson, and unfortunately, many pre-retirees and retirees were negatively impacted, losing roughly as much as 40% or more of their money." - Ken Moraif

Read the full article here and learn how you can protect your nest egg:  
http://www.marketwatch.com/3-sell-strategies-to-protect-retirement-savings-2014-07-29


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July 26, 2014

1) 77% Of Companies Beat Their Estimates. That's Good, Right?
2) Lessons From The Stock Market Crash Of 1929
3) The Social Security Do-Over
4) Buy Hold Myth: The Market Always Comes Back
5) Estate Tip: Staggering When Heirs Can Access Principal
 
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Latest Email Market Alert - click here to Read

Much Ado About Nothing

July 26th, 2014 - With all the political instability that is going on around the world, you’d expect a lot of volatility in the market and if you did, you would have been right.

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Recent Financial Articles & Studies - click here for Information

Want to Stagger Your Heirs’ Inheritance?

I once discussed trusts with a 90-year-old client who said, “I don't want my kids to have access to any principal until they’re 65.” “Really?” I said. “Yeah,” he replied. “I don’t want them to squander my money.”

That fellow may seem a bit hard-nosed, but he does make a point. Imagine that a young'un gets a windfall: It’s party time! Where's that Corvette? Of course, not everyone is like that. I’m sure your heirs are responsible, will invest your money properly, and will not in any way change their lifestyle. But on the off chance they are not quite as responsible as you’d like, you may want to stagger their access to the principal.

An example: Let’s say you set up your trust so that your heirs get only income until they’re 30. At that time, they also get access to a third of the principal. With most kids, that third is going to vanish. They’ll spend it—maybe in a good way like paying off their mortgage, but you can pretty much count on that third going bye-bye. So you make sure they can access another third of the principal at age 40. They probably won’t squander this money as quickly. They're more mature and they realize that, whoops, one-third of their inheritance is gone. They’ll be a little more careful. Then you set up your trust so they have access to the final third ten years later.

By the time your heirs are able to access the last third of their inheritance, they will probably realize that their inheritance is a dwindling resource, not something to be spent all at once on Corvettes and parties. They will have grown up, and you will have helped them transition through the process.


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