Strategic Financial Services

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="center" width="1%" valign="middle"> <img src="/files/7459/Slug.JPG" alt="Strategic Financial Services" height="130" width="102" border="0"> </td> <td> <img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" border="0"></td> <td align="left" valign="middle" width="99%"> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b>Strategies for Financial Success </b> <br> <br>140 S. Lake Ave., Suite 351 <br>Pasadena, CA 91101 <br>FAX: 818-436-4682 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:pam@sfsretire.com"> pam@sfsretire.com</a> <br> <a href="mailto: cindy@sfsretire.com"> cindy@sfsretire.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p>140 S. Lake Ave., Suite 351 Pasadena, CA 91101  Ph. 818-244-6986 Fax 818-436-4682</p><p>RETIREES: We help create retirement income plans focused on helping retirees maintain their lifestyle, manage distributions and taxes and preserve and protect their wealth.</p><p>INDIVIDUALS: Our mission is to help people develop a strategic, in-depth plan that can help them with the financial issues that affect their lives. Whether planning for education, future retirement, or the unique needs of retirees, we create a personalized plan for each client. Using that blueprint, we help our clients build an investment strategy based on their financial goals.</p><p><cite><font color="#006d21"><a href="https://brokercheck.finra.org">https://<strong>brokercheck.finra</strong></a></font><font color="#006d21"><a>.org</a></font></cite></p><p><strong>BrokerCheck</strong> is a trusted tool that shows you employment history, certifications, licenses, and any violations for brokers and investment advisors.</p><p> </p> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/5/TA2_r4_c1.gif" width="192" height="43" border="0" alt="Calculators" /></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/5/TA2_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters" /></td></tr> <tr><td width="14" valign="top" background="/graphics/5/TA2_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=136" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Cost of Retirement</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate how much income and savings you may need in retirement.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=129" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">College Funding</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate the cost of your child’s education, based on the variables you input.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/5/TA2_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=10076" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Most Grocery Shoppers Aren’t Fooled by Shrinkflation</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> You may have noticed products shrinking in size while prices stay the same or increase. This article includes tips for spotting and reducing the impact of this tricky strategy.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=10147" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Bond Yields Are Up, but What Are the Risks?</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> After years of low yields, bonds are offering higher yields that may be appealing to investors regardless of their risk tolerance. This article provides an overview of bond risks.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=10095" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Child Care Is a Budget Buster: Take Advantage of These Tax Breaks</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> A tax credit and/or dependent-care flexible spending account might help offset some of the costs paid for a nanny, babysitter, day care, preschool, or day camp.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=10022" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">IRA Strategies: After-Tax Money and the Pro-Rata Rule </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The pro-rata rule determines how much of a traditional IRA distribution is taxable. Read this article to learn how the rule is applied.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/5/TA2_r4_c6.gif" width="225" height="43" border="0" alt="" /></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/5/TA2_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/5/TA2_r5_c7.gif" width="211" height="52" border="0" alt="Articles" /></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/5/TA2_r7_c7.gif" width="211" height="56" border="0" alt="Calculators" /></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/5/TA2_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters" /></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/5/TA2_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/5/TA2_r13_c7.gif" width="211" height="14" border="0" alt="" /></td> </tr> </table> </td> </tr> <tr><td colspan="3"><br> <p style="text-align:center; font-size:12px">Securities and advisory services offered through Cetera Advisors LLC, member <a href="http://www.finra.org" target="_blank">FINRA</a>, <a href="http://www.sipc.org" target="_blank">SIPC</a>. Cetera is under separate ownership from any other named entity. </p> <p style="text-align:center; font-size:12px"> [ <a href="http://www.ceteraadvisors.com/onlineprivacypolicy/" target="_blank">Online Privacy Policy</a> | <a href="http://www.ceteraadvisors.com/importantdisclosures/" target="_blank">Important Disclosures</a> | <a href="http://www.ceteraadvisors.com/businesscontinuity/" target="_blank">Business Continuity</a> | <a href="http://www.ceteraadvisors.com/privacypromise/" target="_blank">Privacy Promise</a> | <a href="http://www.ceteraadvisors.com/orderrouting/" target="_blank">Order Routing Disclosure</a> | <a href="http://www.ceteraadvisors.com/" target="_blank">Cetera Advisors</a> ]</p> <br /><br /> </td></tr></table> </div> </body> </html>