Documenti di Didattica
Documenti di Professioni
Documenti di Cultura
We take a holistic approach with the clients we serve to make intelligent decisions with their life planning to see their dreams come true.
12.4% 12.8% 2.0 -4.5 -1.3 15.1 3.6 16.2 -0.3 23.1
Notes: S&P 500, Gold, DJ-UBS Commodity Index returns exclude reinvested dividends (gold does not pay a dividend) and the three-, five-, and 10-year returns are annualized; the DJ Equity All REIT TR Index does include reinvested dividends and the three-, five-, and 10-year returns are annualized; and the 10-year Treasury Note is simply the yield at the close of the day on each of the historical time periods. Sources: Yahoo! Finance, Barrons, djindexes.com, London Bullion Market Association. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. N/A means not applicable.
THERE IS A NEW TREND IN FUNERALS: PLAN YOUR OWN. Susan Boyle, the
Scottish chanteuse who was discovered on Britains Got Talent back in 2009 wants to leave mourners at her funeral laughing. What is her plan? She wants to have Nellie the Elephant played during the service. Whether you applaud her approach or find it appalling, there is a new trend in the funeral industry: preplanning, prepaying, and personalization. Here are a few of the reasons people are choosing to plan and pay for their funerals ahead of time: Control. When you plan the funeral, you have a pretty good idea about what will happen. You can decide whether there will be a viewing and how your life will be celebrated after the service. You can also create a file with personal information for your obituary, as well as any instructions you have for burial, cremation, or organ donation. Just make sure you leave it with a loved one so they know how to proceed. Negotiate. Grieving family members are rarely good negotiators. Planning ahead gives you a chance to negotiate and secure a guaranteed price on a prepaid plan offered by a funeral home. Make sure you find out answers to questions such as: What happens if prices increase? What happens if you move? What happens if you change your mind? Goodwill. If prepaid plans leave too many questions unanswered, you may choose to fund your funeral through a trust or an insurance policy. Regardless of the payment method, providing instructions with your wishes and funds to cover the expenses can relieve some of the anxiety and stress of a funeral. Personalize. There are many new and unusual options available for funerals and memorial services. Whether you opt for traditional burial, cremation, green burial, mummification, cryonics, a memorial space flight, a memorial reef, or having your ashes compressed into a gemstone, there is a business willing to help. Funeral preferences are changing. Alternatives to traditional funeral home services are becoming popular, especially among Baby Boomers. If you would like to learn more about the options available, visit the Funeral Consumers Alliance web site (www.funerals.org) and the National Funeral Directors Associations web site (www.nfda.org).
Best regards,
P.S. Please feel free to forward this commentary to family, friends, or colleagues. If you would like us to add them to the list, please reply to this e-mail with their e-mail address and we will ask for their permission to be added. Securities offered through LPL Financial, Member FINRA/SIPC.
* This newsletter was prepared by Peak Advisor Alliance. * The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. * The DJ Global ex US is an unmanaged group of non-U.S. securities designed to reflect the performance of the global equity securities that have readily available prices. * The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. * Gold represents the London afternoon gold price fix as reported by the London Bullion Market Association. Precious metal investing is subject to substantial fluctuation and potential for loss. * The DJ Commodity Index is designed to be a highly liquid and diversified benchmark for the commodity futures market. The Index is composed of futures contracts on 19 physical commodities and was launched on July 14, 1998. * The DJ Equity All REIT TR Index measures the total return performance of the equity subcategory of the Real Estate Investment Trust (REIT) industry as calculated by Dow Jones. * Yahoo! Finance is the source for any reference to the performance of an index between two specific periods. * Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. * Past performance does not guarantee future results. * You cannot invest directly in an index. * Consult your financial professional before making any investment decision. * To unsubscribe from the Patty Loris Weekly Commentary please reply to this e-mail with