FINANCIAL RESOURCES
The Panic of 2008. What Does This All Mean to You?
The ongoing events in the financial markets undoubtedly have many of you confused, angry and worried. We want to take this opportunity to
sort through all this mess, and give you some perspective on this ongoing crisis.
The Panic of 2008 
(PDF)
Top 10 Money Moves for Today's College Freshman
With average college tuition up 6.3 percent at private schools and up 6.6 percent at public
schools this past school year, money management is a bigger issue than ever on college
campuses. That's why it's good to send your freshman off to school with a 10-point plan on how
to best manage their money.
Top 10 Money Moves (PDF)
How to Takeover an Aging Parent's Finances
Like many difficult situations with people we love, planning to take over an older relative’s finances is best done in happier times, when both sides are healthy and various options can be considered. Want to avoid a worst-case scenario? Start the conversation now. Here are some ideas:
How to Takeover an Aging Parents Finances (PDF)
Correct Amount to Withdraw from Your Retirement Funds Each Year?
Rules of thumb and guidelines abound in every investment arena – you’ll always hear about specific percentages you should save, spend or invest based on where you are in life. The reality is that everyone’s retirement goals are different and should be planned based on specific needs, not general rules of thumb. IRA, 401K withdrawals.
Correct Amount to Withdraw from Your Retirement Funds Each Year (PDF)
Think The Subprime Debacle Is All About Housing? It Hurts Small Businesspeople Too.
If you're planning to go into business for yourself in the next year, you need to understand that
the subprime lending debacle might have a significant impact on your ability to borrow not only
for your business, but for your personal needs as well.
Subprime and Small Business (PDF)
What You Can Do Before the Kiddie Tax Loophole Closes
Maneuvering around the kiddie tax has helped parents save for college educations for years. Changes to the tax might change your options.
Kiddie Tax Loophole Closing (PDF)
How Your Personality Affects your Financial Decision-making
The recent volatility in the stock market has everyone a little jumpy - even folks who have
worked with a trusted financial planner for years. But if you've never worked with a planner
before, one of the first things he or she will do is make you fill out a risk analysis questionnaire.
Your Personality and Financial Risk Analysis (PDF)
The Ins and Outs of Audits
The government has been focusing for awhile on the increasing number of self-employed
individuals. Even if you dodge the bullet for now, it's always smart to be vigilant against the
expensive and stressful possibility of a tax audit for your small business.
Ins and Outs of Audits (PDF)
ADV Part II 2008 (PDF)
ADV Sch F 2008 (PDF)
For Investors
The Financial Planning Association www.fpanet.org
CFA Institute www.cfainstitute.org
For Certified Financial Advisors
Morningstar Inc. www.morningstar.com
Hoovers - a D&B company www.hoovers.com/free
Wall Street Journal www.wsj.com
National Association of Insurance Commissioners www.naic.org
Tax Information
Internal Revenue Service www.irs.gov
National Association of Enrolled Agents www.naea.org
U.S. Savings Bond Calculator
www.publicdebt.treas.gov/sav/savcalc.htm
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