Market Watch

January 28, 2012 @ 04:47 AM

Dow Jones Industrials 12,660.46- 74.17
Nasdaq Composite 2,816.55+ 11.27
S&P 500 1,316.33- 2.10
NYSE Composite 7,876.61- 7.29
10 Year Treasury Note 1.90- 0.03

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W. Phil Ratcliff - AXA Equitable

MainStreet Financial Services

    As a financial consultant, I approach financial planning on a personal level.  I regard my clients as family.  I understand that most of the decisions we make will have lasting impacts on our financial future, and I strive to ensure those decisions will have positive impacts.

    I have a unique and in depth relationship with my clients.  Read more.  I have found that this connection is invaluable in my practice and in helping my clients to improve their financial condition.

    Your financial well-being means more to me than a quarterly statement and the array of products that I can offer you.  I work with my clients on a one-on-one basis to help them actively achieve their financial goals.

    I specialize in working with the University markets and with Small Business Owners.  I currently am available at:

    • The Ohio State University
    • Ohio University
    • University of Cincinnati

    on a weekly basis.  If you have questions or concerns about your benefits or opportunities through the University please contact me today so that we may find a convenient time to discuss these issues.

    I can help you with:

    Please call me today to discuss your financial opportunities, and we'll develop a plan to help you achieve them!

    I would like to schedule an appointment.

    I am a client and I would like to schedule a review.

    I would like to work for you. What positions are available?

     

    If you are applying for Health Insurance or would like a quote please click the link below:

    Aetna Link

Newsletters

For Better, For Worse: Communicating About Retirement

A recent study indicates that couples are not communicating clearly about retirement goals and strategies, even as they approach retirement age. This article offers suggestions to open a dialogue and encourages couples to discuss their retirement needs and desires with each other and with their financial advisor.

Another Year, Another AMT Patch

The 2010 Tax Relief Act adjusted AMT exemption levels for 2010 and 2011 to help prevent an estimated 21 million middle-income taxpayers from being subject to the alternative minimum tax. Will Congress enact another patch for 2012?

Using Living Benefits for Retirement Income

Many Americans are finding it difficult to predict how much they can save by retirement. Because traditional pensions are available to just one out of three workers today, a potential way of creating a guaranteed income stream in retirement is to purchase the guaranteed living benefits that are available with some variable annuities.

The Difference Between the Debt and the Deficit

The terms "debt" and "deficit" are often used interchangeably to describe the federal government's financial situation, yet they have significantly different meanings. This explanation of the budget deficit and the national debt may help readers understand the conversation.

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Calculators

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Net Worth

A balance sheet summarizes your assets and liabilities and reveals your net worth.

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