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Financial Advisor

YOUR COMPANY

236 Broadway

Menands, NY 12204

Phone: 800-243-5334

Fax: 800-720-0780

Email: sales@ltmclientmarketing.com

Website: www.letstalkmoney.com

March/April 2022

Mutual Funds and ETFs: Alike but Different

Mutual funds* and exchange-traded funds* (ETFs) are both baskets of individual securities that offer a variety of asset classes and niche markets that can help investors diversify** their portfolios. There are differences between them, however, that could make one option preferable for a particular investor.

Avoid These Retirement Planning Mistakes

Make a mistake with your monthly budget and you might have to tighten your belt for a few weeks. Make a mistake with retirement planning and you could have to modify— or even delay — the retirement you’ve dreamed about. Help improve your financial future by avoiding these pitfalls.

Life Insurance Can Serve Many Purposes

You may think of a life insurance policy* only as financial protection for your family if something were to happen to you or your spouse. But life insurance can offer more benefits that you may not have considered.

Talk to Your Spouse

You've discussed where you want to live, the next place to go on vacation, and whose family you'll spend the holidays with, but have you talked—really talked—about money? Financial issues are often a major source of stress between partners. Talking about money can lessen the stress and make sure you're both on the same page with your finances.

Find Extra Cash Hiding in Plain Sight

Looking for extra dollars to invest? They might be right in front of you.

Is a Worker Shortage Affecting Your Business?

Extra unemployment benefits ended last September. The pandemic is beginning to ebb. The country is slowly returning to normal, so why aren’t workers going back to work?

Is a Balanced Fund Right for You?

Balanced funds are mutual funds* that offer a fixed allocation of stocks and bonds. Their investment goal is a mix of capital growth and income with low volatility. You may want to consider balanced funds if you’re near retirement or have a lower tolerance for investment risk.

It's Not Too Late

It isn’t often that we get to fix our mistakes, but here’s some good news. If you regret not adding more money to your retirement accounts last year, you can take advantage of a do-over. You have until the date 2021 tax returns are due — typically April 15 — to contribute to a traditional individual retirement account (IRA) and possibly qualify for a tax deduction on your 2021 return.

Planning Your Company's Financial Future

It’s tax season, which provides a good opportunity to assess your business and take stock of where you are, where you’re going, and what steps you can take to plan for a successful year ahead.

You Have More Than One FICO® Score

Your FICO<sup>®</sup> score is based on the information in your credit report and shows lenders how likely you are to repay a loan. When you apply for credit, lenders use your score to determine the amount you can borrow and the interest rate you’ll be charged. Typically, the higher your score, the better the rate. Typically, the higher your score, the better the rate.

Are You Above Average?

Here's a snapshot of the average U.S. household's finances. See how your own finances compare.

Planning Around an Age Gap

A significant age difference between spouses can present unique challenges for financial and estate planning. The needs of the younger spouse may be quite different from the needs of the spouse who’s closer to retirement. Several areas of concern are worth examining.

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YOUR COMPANY and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Specialists LLC, an unrelated third party. Articles are not written or produced by the named representative.

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