Michael A. Milazzo LTMOnline E-Newsletter

Michael A. Milazzo, CLU, ChFC

Registered Principal

The Meridian Financial Company

3350 Club Villas Dr SE, Unit #1303

Southport, NC 28461

Phone: 631-979-4223

Fax: 910-854-0002

Email: meridian@ae.cadaretgrant.com

Website: www.merfinco.com

January/February 2018

Build a Bigger Retirement Fund

Taking steps to be financially prepared for retirement isn’t something you can put off. Some strategies to save more include paying yourself first and to start investing at a young age.

When Life Changes, Change Your Coverage

As life changes, it’s important to review your life insurance to determine if it still meets your changed circumstances. Some events that can trigger a review of one’s coverage include marriage, divorce, new baby, home or business, just to name a few.

Prepare for Change

When you anticipate and prepare for industry, regulatory and other changes that could affect your business, you increase the likelihood that your business will survive and prosper over the long term. Similarly, you’ll want to pay attention to changes in your business that could affect your personal financial or estate strategies.

Fine-tuning Your Retirement Preparations

As you get closer to retirement, your thoughts may turn to the day when you’ll finally be able to slow down and relax. But during the time that remains, take the opportunity to do all you can to ease your transition.

Let's talk investing Q&A

1. What are some things I should consider when I’m deciding whether to hold on to or sell an investment?
2. A few of my coworkers like to speculate on when the next bull or bear market will be. What makes a market a bull or a bear?

Let's talk insurance Q&A

1. I have a life insurance policy that no longer meets my needs. I plan on buying a different policy. Should I cancel the existing policy before I buy the new one?
2. I was the beneficiary of a life insurance policy and recently received the policy proceeds in a lump sum. I’d like to invest the money but first want to find out if the policy payout will be taxable to me?

Let's talk business Q&A

1. Can employers claim a tax credit for the costs of setting up a retirement plan?
2. I want to buy disability insurance for two employees. Why have I been quoted very different premiums for each employee?

Let's talk retirement Q&A

When I joined my employer’s retirement plan, I named a beneficiary to receive my retirement plan assets. Recently, I’ve decided that I want to choose someone else as the beneficiary. Is it possible for me to change my designated beneficiary and if so, how do I go about doing it?

One Piece of the Puzzle

Do you know where your retirement income will come from? It’s typically a good idea not to rely on a single source — especially Social Security — to provide the bulk of your retirement income.

In Case of Emergency

Are you prepared for a large, unexpected expense? What would you do if the roof were to leak or you were to have a medical emergency? If you don’t have an emergency fund, building one should be a priority.

Healthy Financial Habits

Resolving to get financially fit is a great way to start 2018. A good place to start is to develop some healthy money habits, like tracking your spending and limiting credit card use.

Put Away the Piles

Is financial paperwork piling up on the dining room table or kitchen counter? Setting up a filing system can help you save time, reduce stress and avoid late fees and misplaced tax records.

CONTACT US

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Securities and Advisory Services offered through Cadaret, Grant & Co, Inc, a Registered Investment Advisor and Member FINRA/SIPC. The Meridian Financial Company and Cadaret, Grant & Co., Inc. are separate entities. I am registered to sell Securities in the following States: NY, NJ, PA, NC, FL, ID.
The Meridian Financial Company and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

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