First Annual Girlfriends Valentine’s Luncheon Party was a Powerful Treat
We were pleased to host our first annual “Girlfriends Valentine’s Luncheon Party” on Friday, February 11, 2011. Over 50 clients and friends attended and were treated to a powerful presentation titled “Money, Women and Power.” The presenter was Aimee Johnson from Allianz Insurance Company. In addition to the presentation, attendees were treated to numerous door prizes as well as a great lunch and lots of chocolate! Be sure to attend this event again next year. Please go to our website at http://www.secureretirementsolutionsinc.com/valentines-wrap-up/ to see pictures.

Dropping Interest Rates May Present Opportunities
In this time of seemingly continuous dropping interest rates, an opportunity may be available to you. If you have a Fixed Annuity with a Market Value Adjustment (MVA) clause, it is possible that the surrender value of the account could exceed the account value. If you have a policy like this, or if you are not sure, why not call us and set up a meeting to analyze your policy, and based on your particular situation, see if any changes are warranted.

NOTE: Annuities are generally best suited for long term income and investing purposes. It is important to consider any surrender charges, fees, and other features that may apply. Guarantees are based on the claims-paying ability of the underlying insurance companies.

If You Have CD’s Renewing Soon, Now May Be a Good Time for a Review
Many of you may have C/Ds maturing in the near future, and likely at low interest rates compared to history. Before you renew them, we encourage you to review your overall strategy and how your CD’s and/or other financial tools may best help you toward your goals. Call us for a review, and to also consider alternative solutions, such as tax-deferred fixed annuities that may be able to generate tax savings and a competitive rate of return potential for your long term monies.*

Note: CD’s and annuities have different features and liquidity options. CD’s are FDIC insured up to $250,000 and may be subject to interest penalties for early withdrawal. Guarantees offered by annuities are based on the claims-paying abilities of the underlying insurance companies. Annuities are best suited for long term investing. There may be surrender charges and fees associated with annuities, plus a 10-% tax penalty for withdrawals made prior to age 59 ½.

Explore our Financial Wellness Resources
Visit our website at www.SecureRetirementSolutionsInc.com to view the financial wellness resources available to you including: Fascinating Financial Facts archives, informative podcasts, financial planning calculators and links to other important financial websites. Please let us know what you think.

Let us Know if Your Email Address Changes
In order to ensure uninterrupted delivery of the Fascinating Financial Facts newsletter, please notify us as soon as possible if your email address is going to change. Call our office, email us, or contact us through our website to make sure we have your most current, correct information. Rising costs have caused us to significantly reduce contacts by “snail mail” as we move to email as the primary method of communication.

Portformulas Eliminates Monthly Account Maintenance Fees!
As of May 1st, 2011, Portformulas will permanently eliminate the $15 monthly account maintenance fee. While this change is made possible due to some internal administration adjustments, the only change you will notice is that account statements will be delivered quarterly instead of monthly. This change will save you approximately $180 per year ($15 x 12 months) and significantly save the volume of paper sent out over the course of the year. The April 2011 statement will be your last monthly statement, and will be received during the first few weeks of May. You will continue to have 24 hour / 7 day per week online access to your account, account value, and holdings. Following the April 2011 statements, all future statements will be sent quarterly and the $15 monthly maintenance fee will be eliminated. If you wish to reduce the paper statements you receive even further, please contact our office to inquire about joining the electronic statement delivery program.

Please do not keep us a secret! Thank you.