60 http://www.prwebpodcast.com A Top 30 Stream of PR Mastermind Advisors Press Releases (in OGG format) via PRWeb podEditor@emediawire.com (PRWeb) podMaster@emediawire.com Mon, 12 May 2008 15:05:30 -0700 PR Mastermind Advisors http://www.prweb.com/prwebrss.gif 130 49 http://prwebpodcast.com Copyright PRWeb International, Inc. en-us http://blogs.law.harvard.edu/tech/rss A Top 30 Stream of PR Mastermind Advisors Press Releases (in OGG format) via PRWeb A Top 30 Stream of PR Mastermind Advisors Press Releases (in OGG format) via PRWeb podEditor@emediawire.com PR Web PRWeb no http://www.prweb.com/releases/2008/4/prweb802634.htm http://www.prweb.com/releases/2008/4/prweb802634.htm Most Americans who invest in stocks know that market volatility and stock price fluctuation are normal and to be expected. But according to financial professional Chanie Schwartz, they also need to understand that maintaining a diversified portfolio is important. "The old adage 'don't put all your eggs in one basket' is still good advice," Schwartz says. "Anyone in doubt should ask an Enron employee." [PRWeb Apr 9, 2008] http://www.prweb.com/releases/2008/4/prweb802634.htm Thu, 03 Apr 2008 17:47:04 -0700 podcrew@extrahoop.com Chanie Schwartz Portfolio Diversification Can Minimize Stock Market Risk: Financial Advisor Urges Investors to Unwind Highly Concentrated Stock Positions 00:15:00 no http://www.prweb.com/releases/2008/4/prweb730733.htm http://www.prweb.com/releases/2008/4/prweb730733.htm As any investor knows, investing in the stock market over the past year has been like riding a roller coaster - with some gut-wrenching drops like the Dow's 326-point slide in late January 2008 followed by highs, like the 298-point rise the same day. That roller coaster ride has tested even the most stoic of investors, but those with a professionally prepared, long-term financial plan most likely have fared better than most do-it-yourself investors. [PRWeb Apr 8, 2008] http://www.prweb.com/releases/2008/4/prweb730733.htm Thu, 10 Apr 2008 13:35:23 -0700 podcrew@extrahoop.com Arthur Cooper Keep a Cool Head When Markets Get Volatile: Financial Advisor Offers Three Tips to Help Investors Deal with Stock Market Conditions 00:15:00 no http://www.prweb.com/releases/2008/4/prweb803174.htm http://www.prweb.com/releases/2008/4/prweb803174.htm President of Sportsmen Dream Financial, David Zumbusch, has been highlighted in a national publication for his knowledge of conservation easements, a financial planning strategy benefiting land owners. [PRWeb Apr 8, 2008] http://www.prweb.com/releases/2008/4/prweb803174.htm Mon, 07 Apr 2008 07:38:43 -0700 podcrew@extrahoop.com www.sportsmendream.com. About Dave Zumbusch and Sportsmen Dream Financial Dave Zumbusch is an independent financial planner and investment advisor representative with Securities America Advisors. As founder of Sportsmen Dream Financial in Buffalo, MN, he concentrates on helping sportsmen and their families attain personal financial objectives by educating them on matters related to risk tolerance, market exposure, long range planning, and individual circumstances that might affect their financial well-being. With so many pressures and choices today, Zumbusch believes an independent, objective approach is the way to manage money and improve the financial decision-making process. Committed to a high standard of fiduciary excellence Zumbusch earned the CFP mark of distinction from the CFP Board of Standards. Zumbusch is also a member of the Financial Planning Association, the largest organization of professionals dedicated to championing the financial planning process. Visit www.sportsmendream.com for more information about Mr. Zumbusch and his company. # # #]]> Dave Zumbusch National Publication Features Local Financial Planning Professional: David Zumbusch's Love of the Outdoors Has Led to Planning Knowledge in Conservation Easements www.sportsmendream.com. About Dave Zumbusch and Sportsmen Dream Financial Dave Zumbusch is an independent financial planner and investment advisor representative with Securities America Advisors. As founder of Sportsmen Dream Financial in Buffalo, MN, he concentrates on helping sportsmen and their families attain personal financial objectives by educating them on matters related to risk tolerance, market exposure, long range planning, and individual circumstances that might affect their financial well-being. With so many pressures and choices today, Zumbusch believes an independent, objective approach is the way to manage money and improve the financial decision-making process. Committed to a high standard of fiduciary excellence Zumbusch earned the CFP mark of distinction from the CFP Board of Standards. Zumbusch is also a member of the Financial Planning Association, the largest organization of professionals dedicated to championing the financial planning process. Visit www.sportsmendream.com for more information about Mr. Zumbusch and his company. # # #]]> 00:15:00 no http://www.prweb.com/releases/2008/3/prweb730483.htm http://www.prweb.com/releases/2008/3/prweb730483.htm Seventy-five percent of women will face retirement alone and as many as 90 percent will, at some point in their lives, be solely responsible for their financial well-being, according to cultural expert and author Gail Sheehy. According to Pat Hinds, financial advisor and founder of Granite Financial, because women will likely outlive the men in their lives, they also will need their financial resources to last longer. "The flip side to needing finances to last longer is that women continue to earn less than men for a variety of reasons," says Hinds. "This differential in earnings can really add up; over a lifetime, the shortfall is around $225,000." [PRWeb Mar 18, 2008] http://www.prweb.com/releases/2008/3/prweb730483.htm Thu, 06 Mar 2008 16:09:36 -0800 podcrew@extrahoop.com Patricia Hinds Woman-Centric Financial Planning Can Help Eliminate Stress and Bag-Lady Fears: Financial Advisor Offers Three Tips to Help Women Plan for a Stable Financial Future 00:15:00 no http://www.prweb.com/releases/2008/3/prweb730974.htm http://www.prweb.com/releases/2008/3/prweb730974.htm It's that time of year again. Millions of Americans are preparing to pay their annual bill to Uncle Sam and most are trying to minimize the share of their earnings that they will have to pay to the government on April 15. According to Rusty Cagle, a certified financial planner professional, there are several things taxpayers can do to ensure that they legally minimize the amount of taxes they owe for tax year 2007. [PRWeb Mar 6, 2008] http://www.prweb.com/releases/2008/3/prweb730974.htm Mon, 03 Mar 2008 15:54:38 -0800 podcrew@extrahoop.com Rusty Cagle Financial Advisor Offers Last Minute Tax Planning Tips that Could Save Investors Money 00:15:00 no http://www.prweb.com/releases/2008/2/prweb684313.htm http://www.prweb.com/releases/2008/2/prweb684313.htm As 2008 gets underway, people all over the world have made resolutions. Whether losing 10 pounds or making financial related resolutions, the New Year provides an opportunity for people to take stock of their lives and resolve to do things differently. According to Jeff Carbone, a Charlotte-based independent financial professional, most people spend more time planning their annual vacation than planning for their financial future. But Carbone advises that when thinking about finances at the beginning of the year, Americans should go beyond the obvious financial resolutions. [PRWeb Feb 21, 2008] http://www.prweb.com/releases/2008/2/prweb684313.htm Tue, 19 Feb 2008 16:07:21 -0800 podcrew@extrahoop.com Jeff Carbone Financial Advisor Offers Annual Financial Planning Tips for a Better 2008 00:15:00 no http://www.prweb.com/releases/2007/12/prweb575105.htm http://www.prweb.com/releases/2007/12/prweb575105.htm Most people would agree that there is no worse feeling than needing something and not being able to find it. The problem is compounded when the "something you need to find" are documents that detail financial holdings, insurance policies and other important documents belonging to a loved one. "If, like most people, you keep copies of your will, savings bonds and keepsakes in a lock box or safety deposit box, you're doing OK," says financial professional Bill Spalding. "But, a safety deposit box can be made better if it's managed online and includes account aggregation." [PRWeb Dec 18, 2007] http://www.prweb.com/releases/2007/12/prweb575105.htm Wed, 12 Dec 2007 17:02:12 -0800 podcrew@extrahoop.com Bill Spalding Getting Your Financial House in Order: Financial Advisor Provides Tips to Help Consumers Organize Their Financial Lives 00:15:00 no http://www.prweb.com/releases/2007/12/prweb573867.htm http://www.prweb.com/releases/2007/12/prweb573867.htm As we prepare to say goodbye to 2007 and hello to 2008, there are often two things on people's mind: holiday gifts and tax planning. According to David Kaiser, a Denver-based financial professional and founder of Pinnacor Financial Group (www.pinnacorfinancial.com), the two goals can often be achieved simultaneously. Kaiser and six colleagues from Securities America have come together to provide consumers with options for giving holiday gifts and saving money on taxes. [PRWeb Dec 13, 2007] http://www.prweb.com/releases/2007/12/prweb573867.htm Wed, 12 Dec 2007 13:35:20 -0800 podcrew@extrahoop.com www.pinnacorfinancial.com), the two goals can often be achieved simultaneously. Kaiser and six colleagues from Securities America have come together to provide consumers with options for giving holiday gifts and saving money on taxes. The end of the year is filled with stress as people struggle to meet the social and philanthropic demands of the season, search for the perfect holiday gifts, and worry about the fiscal ramifications of the past year. "But by giving financial gifts, the stresses of gift giving and tax planning can be lessened," says Kaiser. Here are seven financial gifting and tax planning tips to help reduce stress and taxes for the gift givers - while increasing wealth and financial security for those fortunate enough to be on the receiving end. Tip #1 -- Transferring Wealth through IRAs Dave Kaiser, Pinnacor Financial Group, Inc., Denver, CO In Kaiser's theoretical example, a widow or widower over the age of 60 with an estate in excess of $3 million and a traditional IRA valued at $1 million or more make annual withdrawals from a traditional IRA over a period of years and use the after-tax proceeds to purchase a cash value permanent life insurance policy with a death benefit of $1.5 million that would be owned by an Irrevocable Life Insurance Trust (ILIT). "After the trust is set up, this theoretical person could make annual gifts totaling $24,000 - $12,000 to a son and $12,000 to a daughter, although larger sums are possible if either child is married," says Kaiser. "Then using Crummey Powers, the children would reject their annual gifts which would then be applied to the life insurance premiums. The cash value life insurance policy owned by the ILIT is not included in the insured person's estate and will pass free of both income and estate taxes to the trust's beneficiaries." Tip #2 -- Giving the Gift of Stocks Chanie Schwartz, A Vested Interest, New York, NY Due to stock market volatility, some investors may be holding undervalued stocks. "Investors should always think twice about selling undervalued or down-market stocks because stocks that are undervalued today may regain value in the long term," says Schwartz. "Instead of selling them outright, it may be a good idea to gift those currently undervalued stocks to a loved one." The caveat, according to Schwartz, is that the gift giver could be subject to the gift tax. There is, however, a $60,000 lifetime exemption for which the gift giver is eligible if they complete form 706 with their tax returns. Tip #3 -- Gifting Education Jeff Carbone, Cornerstone Financial, Charlotte, NC "Many people emphasize the importance of education to their loved ones," says Carbone. "Opening a 529 plan for a son, daughter, niece, nephew, grandson or granddaughter is a great way to put your money where your mouth is." According to Carbone, 529 plans can be an excellent vehicle to both reduce estate taxes and transfer wealth. Under ordinary circumstances, $12,000 for single gift givers and $24,000 for married couples can be gifted without incurring gift taxes, which effectively removes the assets from the estate. However, a special tax provision actually lets investors contribute a higher amount to a... To read the press release in full goto http://www.prweb.com/releases/2007/12/prweb573867.htm]]> David Kaiser Seven Financial Gifting Tips for Year-End: Consortium of Financial Advisors Comes Together to Provide Gifting Strategies that Can Also Have Big Tax Benefits www.pinnacorfinancial.com), the two goals can often be achieved simultaneously. Kaiser and six colleagues from Securities America have come together to provide consumers with options for giving holiday gifts and saving money on taxes. The end of the year is filled with stress as people struggle to meet the social and philanthropic demands of the season, search for the perfect holiday gifts, and worry about the fiscal ramifications of the past year. "But by giving financial gifts, the stresses of gift giving and tax planning can be lessened," says Kaiser. Here are seven financial gifting and tax planning tips to help reduce stress and taxes for the gift givers - while increasing wealth and financial security for those fortunate enough to be on the receiving end. Tip #1 -- Transferring Wealth through IRAs Dave Kaiser, Pinnacor Financial Group, Inc., Denver, CO In Kaiser's theoretical example, a widow or widower over the age of 60 with an estate in excess of $3 million and a traditional IRA valued at $1 million or more make annual withdrawals from a traditional IRA over a period of years and use the after-tax proceeds to purchase a cash value permanent life insurance policy with a death benefit of $1.5 million that would be owned by an Irrevocable Life Insurance Trust (ILIT). "After the trust is set up, this theoretical person could make annual gifts totaling $24,000 - $12,000 to a son and $12,000 to a daughter, although larger sums are possible if either child is married," says Kaiser. "Then using Crummey Powers, the children would reject their annual gifts which would then be applied to the life insurance premiums. The cash value life insurance policy owned by the ILIT is not included in the insured person's estate and will pass free of both income and estate taxes to the trust's beneficiaries." Tip #2 -- Giving the Gift of Stocks Chanie Schwartz, A Vested Interest, New York, NY Due to stock market volatility, some investors may be holding undervalued stocks. "Investors should always think twice about selling undervalued or down-market stocks because stocks that are undervalued today may regain value in the long term," says Schwartz. "Instead of selling them outright, it may be a good idea to gift those currently undervalued stocks to a loved one." The caveat, according to Schwartz, is that the gift giver could be subject to the gift tax. There is, however, a $60,000 lifetime exemption for which the gift giver is eligible if they complete form 706 with their tax returns. Tip #3 -- Gifting Education Jeff Carbone, Cornerstone Financial, Charlotte, NC "Many people emphasize the importance of education to their loved ones," says Carbone. "Opening a 529 plan for a son, daughter, niece, nephew, grandson or granddaughter is a great way to put your money where your mouth is." According to Carbone, 529 plans can be an excellent vehicle to both reduce estate taxes and transfer wealth. Under ordinary circumstances, $12,000 for single gift givers and $24,000 for married couples can be gifted without incurring gift taxes, which effectively removes the assets from the estate. However, a special tax provision actually lets investors contribute a higher amount to a... To read the press release in full goto http://www.prweb.com/releases/2007/12/prweb573867.htm]]> 00:15:00 no http://www.prweb.com/releases/2007/11/prweb569951.htm http://www.prweb.com/releases/2007/11/prweb569951.htm With the devastation that has been wrought by natural disasters in recent American history, Americans have become much better about creating disaster preparedness kits for themselves and their families. However, the one disaster for which most Americans are ill-prepared is of the financial variety. According to financial professional Alex Donnell, with a little bit of forethought and organization, anyone can prepare for and mitigate the effects of the most devastating financial problems. [PRWeb Nov 27, 2007] http://www.prweb.com/releases/2007/11/prweb569951.htm Wed, 21 Nov 2007 09:41:18 -0800 podcrew@extrahoop.com Alex Donnell Prepare Now to Mitigate Financial Disasters: Financial Advisor Gives Consumers Ideas on How to Reduce Money Woes that Accompany Life's Unexpected Turns by Building a Financial Preparedness Kit 00:15:00 no http://www.prweb.com/releases/2007/11/prweb570090.htm http://www.prweb.com/releases/2007/11/prweb570090.htm The volatility in the stock market has unnerved many investors as they see the value of their portfolio value go up only to come back down, sometimes erasing the market's gains or even portions of their original investment. But according to financial professional, David Zumbusch, alternative investments can, in small doses, help to stabilize a portfolio. [PRWeb Nov 27, 2007] http://www.prweb.com/releases/2007/11/prweb570090.htm Tue, 20 Nov 2007 12:32:38 -0800 podcrew@extrahoop.com Dave Zumbush Finding Alternatives to Traditional Investments: Financial Advisor Provides High Net Worth Investors with Alternative Investment Strategies 00:15:00 no http://www.prweb.com/releases/2007/11/prweb563898.htm http://www.prweb.com/releases/2007/11/prweb563898.htm We keep hearing that getting credit is much harder now that lenders are tightening their belts. But what kind of affect does this credit crunch really have on the ordinary man or woman? Cedar Rapids-based financial professional Monte Marti explains everything consumers need to know to survive the credit crunch. [PRWeb Nov 1, 2007] http://www.prweb.com/releases/2007/11/prweb563898.htm Fri, 26 Oct 2007 14:27:33 -0700 podcrew@extrahoop.com Monte Marti Surviving the Credit Crunch: Financial Advisor Tells Everything Consumers Need to Know about the Sea of Change in Consumer Credit 00:15:00 no http://www.prweb.com/releases/2007/11/prweb563945.htm http://www.prweb.com/releases/2007/11/prweb563945.htm Americans spend most of their lives saving for retirement in the hope that they can provide for themselves in their golden years and leave some of their assets behind for their heirs. The majority are good providers who give everything they can to their children. But by giving so much to our children, do we deprive them of the need to earn money - and the opportunity to overcome obstacles to make good financial decisions? Often times, the answer is "yes." Lakewood, CO-based financial advisor Matt Carpinelli provides tips and advice to help Boomers leave a rich legacy - one based on both values and valuables. [PRWeb Nov 1, 2007] http://www.prweb.com/releases/2007/11/prweb563945.htm Tue, 20 Nov 2007 12:35:45 -0800 podcrew@extrahoop.com www.jumpstart.org), Money Savvy Generation (http://www.msgen.com) and The Money Camp (www.themoneycamp.com) have sprung up to help parents and educators take a leading role. In addition, professional financial advisors like Lakewood-based Matt Carpinelli, have stepped forward with tips and advice to help Boomers leave a rich legacy - one based on both values and valuables. "The money you give to heirs is important, but so are your values," says Carpinelli. "You've worked hard to build and preserve your estate and you'd like the distribution plan to reflect your values. There are ways to ensure you accomplish both aims. Even after you're gone, you can still make sure that the money you bequeath is spent in certain ways," says Carpinelli. Carpinelli offers the following tips to ensure inheritances aren't spent frivolously after you're gone and that you give more than just money - you continue to instill values. Set Up a Rewards-Based Trust Suppose Jim and Jane Moneybags want to encourage their grandchildren to attend college. They could set up a trust that rewards the grandchildren for reaching various educational milestones. This trust might affix a monetary value if the grandchild maintains a certain grade point average or reaches the Dean's list. The bottom line is that it will ensure that the grandchild does something that will better him in the long run. "These kinds of trusts are an easy way to ensure that your wishes are carried out after (and even before) you're gone," says Carpinelli. "You affix a value to the things that will help stabilize your children and heirs throughout life and not just simply be dependent on a lump some of money." Evaluate Your Heirs and Plan Accordingly "It's important to truly know the personal strengths and character flaws of anyone you plan on bequeathing assets to," says Carpinelli. "If you are giving a portion of your estate to someone who is not known for making wise spending and saving decisions, you might set up a trust that dictates when the person can access certain amounts of the money."... To read the press release in full goto http://www.prweb.com/releases/2007/11/prweb563945.htm]]> Matt Carpinelli The Ultimate Gift: Financial Advisor Shares Ways to Impart Values, as well as Valuables, to Your Heirs www.jumpstart.org), Money Savvy Generation (http://www.msgen.com) and The Money Camp (www.themoneycamp.com) have sprung up to help parents and educators take a leading role. In addition, professional financial advisors like Lakewood-based Matt Carpinelli, have stepped forward with tips and advice to help Boomers leave a rich legacy - one based on both values and valuables. "The money you give to heirs is important, but so are your values," says Carpinelli. "You've worked hard to build and preserve your estate and you'd like the distribution plan to reflect your values. There are ways to ensure you accomplish both aims. Even after you're gone, you can still make sure that the money you bequeath is spent in certain ways," says Carpinelli. Carpinelli offers the following tips to ensure inheritances aren't spent frivolously after you're gone and that you give more than just money - you continue to instill values. Set Up a Rewards-Based Trust Suppose Jim and Jane Moneybags want to encourage their grandchildren to attend college. They could set up a trust that rewards the grandchildren for reaching various educational milestones. This trust might affix a monetary value if the grandchild maintains a certain grade point average or reaches the Dean's list. The bottom line is that it will ensure that the grandchild does something that will better him in the long run. "These kinds of trusts are an easy way to ensure that your wishes are carried out after (and even before) you're gone," says Carpinelli. "You affix a value to the things that will help stabilize your children and heirs throughout life and not just simply be dependent on a lump some of money." Evaluate Your Heirs and Plan Accordingly "It's important to truly know the personal strengths and character flaws of anyone you plan on bequeathing assets to," says Carpinelli. "If you are giving a portion of your estate to someone who is not known for making wise spending and saving decisions, you might set up a trust that dictates when the person can access certain amounts of the money."... To read the press release in full goto http://www.prweb.com/releases/2007/11/prweb563945.htm]]> 00:15:00 no http://www.prweb.com/releases/2007/9/prweb551544.htm http://www.prweb.com/releases/2007/9/prweb551544.htm Many Baby Boomers are waking up to the reality that this ain't their father's retirement. With Americans living longer and healthier lives and still retiring at 62 (or many times younger) they're finding that a gold pen and pension aren't getting them as far as they expected. Many Baby Boomers have discovered that the money they saved in retirement accounts may not outlast their lives. But according to Arthur Cooper, an Irvine-based CERTIFIED FINANCIAL PLANNER™ professional, a few simple steps can help investors build a nest egg for their golden years. [PRWeb Sep 20, 2007] http://www.prweb.com/releases/2007/9/prweb551544.htm Wed, 19 Sep 2007 11:34:29 -0700 podcrew@extrahoop.com Arthur Cooper Building a Nest Egg for Your Golden Years -- Financial Advisor Helps Investors Build Income Streams in the Second Half of Life 00:15:00 no http://www.prweb.com/releases/2007/9/prweb550120.htm http://www.prweb.com/releases/2007/9/prweb550120.htm When it comes to college planning, many people know that they should invest in a 529 Plan or open a Coverdell Education Savings Account. Thanks to increased public awareness, those planning strategies are almost no-brainers. But upper-income and high net worth consumers -- who may automatically assume that it's too late to do anything other than fork over full tuition (even at the risk of jeopardizing their own retirement) -- take note: Several little-known strategies may provide tax and tuition relief. [PRWeb Sep 6, 2007] http://www.prweb.com/releases/2007/9/prweb550120.htm Thu, 30 Aug 2007 16:09:09 -0700 podcrew@extrahoop.com