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Sales Samples

Financial Advisor

 

YOUR COMPANY

45 Prospect Ave

Albany, NY 12206

 

Phone:  800-243-5334

Fax:        800-720-0780

 

Email: sales@ltmclientmarketing.com

Website: www.letstalkmoney.com

November/December 2019

Harvest Time for Your Investments

With the New Year just around the corner, many people will look at their investment portfolios for capital losses to deduct from their 2019 tax bill. But even when you own securities and mutual fund shares* that have experienced rough sledding the past 12 months, selling may not be the right response, despite the tax advantages.

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Five Ways to Stay Safe Online During the Holidays

If you’re among the increasing number of consumers who will make holiday purchases online this holiday season, it makes sense to learn how to protect your identity and other personal information. Consider the following steps to make your online shopping more secure.

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What to Look for in Travel Insurance

If you book a vacation package or cruise trip for the holidays, you may want to protect your financial investment with travel insurance. All travel insurance, however, is not the same, so you should look for certain features that you may want as part of any travel protection you buy.

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Giving to Charity Still Matters

With the most recent federal tax changes including a much larger standard deduction, charity watchers wondered if the resulting smaller number of taxpayers itemizing deductions would hurt charitable giving. The jury is still out.

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Avoid These Mistakes!

Millennials, many who came of age during the last recession and have record amounts of student debt, are sometimes hesitant to make financial decisions. However, they shouldn’t let their hesitation lead to these money mistakes:

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How We Give

In 2018, Americans gave more than $400 billion to charities and favorite causes. The breakdown from Giving USA Foundation* (of 2018 contributions) is as follows:

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Understanding Fixed Income Yield

Investors who own shares of fixed income or bond mutual funds* do so for their relative safety compared to equities and for an expected rate of return, or yield. Because economic conditions affect yield, it can vary from one market cycle to the next. Here’s what you need to know if you are or will soon become an income investor.

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Life Insurance with a Purpose

Whole life insurance* has become a multipurpose financial protection vehicle, offering a combination of benefits beyond basic life insurance protection when you choose certain options. Some policies include everything from optional long term care benefits and terminal illness benefits to the availability of cash withdrawals for just about any reason, including extra retirement income.

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Filling in the Cracks

If you think of estate planning as something that is necessary for only the very wealthy, it might surprise you to learn differently. From keeping an updated will to having healthcare and legal powers of attorney, estate planning is so much more. And with so much paperwork involved to ensure your loved ones inherit what you intend, it’s easy to miss a crack or two that can create an estate planning nightmare.

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Watch Those Withdrawals

With the holidays coming soon, it may be hard to resist the temptation to take a retirement plan loan or an outright distribution from your company 401(k) plan to pay for your holiday shopping. Here's why you shouldn't:

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Understanding Medicare

If you’re nearing age 65, one rite of passage will include making your way through the health insurance maze known as Medicare. Here are some basics you’ll need to know.

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Year-End Tax Tips for Business

As we near the end of the year, now is a good time to examine ways your business can reduce taxes during this period.

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Protect Your Business

You may know about group disability income (DI) insurance because your company offers it as an employee benefit, but did you know that DI insurance can also help protect your business in two ways? You can use it as a way to buy out a disabled partner or to help your company financially if you lose a key employee and, consequently, productivity due to disability.

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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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