Financial Topics Newsletter
Brought to you compliments of Christine B. Cooper, MS, CLTC

May 2012   Friday, May 18, 2012

Do you know how much money it will take in order for you to retire comfortably and remain comfortably retired?

Are you going to outlive your money or is your money going to outlive you?

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Why Invest in Bonds?
In the world of investments, bonds are not where the action is. They rarely lead the business news reports, much less the general news. And the reason is simple: they’re plain vanilla. After all, when was the last time you heard somebody brag about a hot tip on a bond? And yet, the U.S. bond market — with a total market value of $36 trillion — is nearly three times as big as the stock market. So what gives? The short answer is this: respectable returns and less risk make up for bonds’ lack of sizzle.
[FULL ARTICLE]
 
Are U.S. Treasury Bonds Still Safe?
Since 1917, U.S. Treasury securities always held the very highest rating from credit rating agencies. That is, until August 5, 2011, when Standard & Poor’s stripped Treasury bonds of their triple-A rating and replaced it with their second-best rating. What did the downgrade to double-A mean to the world’s bond investors? Not much.
[FULL ARTICLE]
 
A Portfolio Tune-Up
Over time, the weighting of the asset classes in your portfolio can change. After spending a great deal of time to develop an asset allocation strategy, it can be frustrating to see these changes. However, a simple rebalancing of your portfolio may be all that is needed to get your portfolio back in line.
[FULL ARTICLE]
 
Follow through on Your Estate Plan
Usually, a great deal of thought and effort goes into estate planning documents. You need to consider all your assets, decide who should receive those assets, and find the best strategies to accomplish your goals. However, your work isn’t over once you’ve signed those documents. You need to make sure your assets are properly positioned to go to your intended heirs. Some problems to look out for include...
[FULL ARTICLE]
 
Keep Saving after Retirement
Just because you’re retired doesn’t mean you should stop saving. Consider these tips...
[FULL ARTICLE]
 

Chris Cooper, President and owner of Cooper Financial Services, has over 30 years of experience as a financial advisor, speaker, adult educator, and workshop facilitator. Her goal is to help people at any stage of life make better financial decisions to ensure a more secure future.

Chris is more than a name with credentials. Ask any of her 250 clients. She has been helping people with their insurance, investment and financial planning needs for over 17 years. Chris is an educator; she personally facilitates workshops and speaks at many events on current financial topics. She also supports her community by serving on the Board of Sunrise of Pasco County Domestic Violence and Sexual Assault Center, and she accepts donations for Sunrise at her office.

Chris holds a Bachelors Degree and a Master of Science in Personal Finance & Management from the Univ. of Rhode Island and Penn State Univ., respectively. Her PhD credits were taken at the University of Maryland in Consumer Economics and Adult Education, where she also co-authored a book on customer service. Before moving to FL, Chris worked in government and industry management consulting positions in the Washington, D.C. area, and owned a yacht sales and charter business in Annapolis, MD.

Since establishing her financial services practice in Tampa Bay in 1994, Chris has received numerous local and national recognition awards in her industry. Most recently she was named Tampa Bay Woman of the Year in Financial Services and Cooper Financial was named as Pasco County Service Business of the Year. She also earned “Member of the Year” and “Ambassador of the Year” awards from the Central Pasco Chamber of Commerce.

Chris is a Registered Representative of The Leaders Group, a FINRA member firm, and a certified member of the National Ethics Bureau. Chris lives with her husband of 30 years, George Cooper, in Land O’ Lakes, where in their spare time they enjoy playing golf, raising orchids and their Florida wine “cellar”.
 

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Published by Christine B. Cooper, MS, CLTC
Copyright © 2012 Integrated Concepts Group, Inc. All rights reserved.

Registered Representative, The Leaders Group, Inc., A Registered Broker/Dealer, Member FINRA/SIPC 26 Dry Creek Circle, Suite 575, Littleton, CO 80120 Phone: 303-797-9080

Some articles in this newsletter were prepared by Integrated Concepts, a separate, nonaffiliated business entity. This newsletter intends to offer factual and up-to-date information on the subjects discussed, but should not be regarded as a complete analysis of these subjects. The appropriate professional advisers should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.

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