Thiesen Dueker ~ The Extra Point eUpdate

Thiesen Dueker Group

Fall! If you're thinking like we are, you're wondering how we already moved into fall. The last part of the year is already here, the busiest time, bustling with holidays, parties and winter activities. If the first three quarters of the year went fast, this one is surely going to propel us at a rapid pace right into 2016. Take some time to enjoy life with your family and friends; be sure to take some time for you too, so that stress doesn't take away from the joys of all that is to come in these next three months. Our team at Thiesen Dueker appreciates being a part of your team. Remember to contact us if you have any questions or requests regarding your financial programs.

Seminar Series

On a monthly basis, we have been hosting a seminar in our Fresno office addressing different topics. In July, we discussed how you can plan for healthcare in retirement. In August, Paul Franco, Estate Planning Attorney presented our guests with estate planning strategies. We excitedly hosted a Women, Money and Power seminar on October 1 ^st , sparked by our involvement with the Central California Women's Conference; it was a great success. Thursday, October 15 ^th , we are inviting you to learn more about Social Security and how it can play an important role in your retirement income planning. Thank you to all who have attended one of these valuable TD Seminars. We love providing these evenings to our clients and friends. Each month, we'll email an invitation to the next Seminar. We hope to see you there!

Go Bulldogs!

It's the most wonderful time of year; football season is in full swing. Our very own Fresno State Bulldog, offensive tackle, Justin Northern, was named a semifinalist for the 2015 William V. Campbell Trophy, presented by Fidelity Investments.

This award by The National Football Foundation & C ollege Hall of Fame recognizes an individual as the absolute best football scholar-athlete in the nation. Fifteen finalists will be announced on October 29 ^th . Good luck Justin!

We have been having a great time with clients and friends at our home game Tailgates. Our client appreciation tailgate on September 19 ^th w as a wonderful time and we w

ere so happy to have so many join us. Dick Brothers Catering provided a great meal. Jason Williams from Spokeasy Public House shared with us his love for craft beer and introduced guests to a great variety of product. We hope you can join us for the next game.

In other news...

In addition to our busy tailgate season, we have a few other events we are looking forward to. First we will host our Open House on Thursday, October 22 ^nd in Fresno and our beautiful, new, Visalia office will have an Open House on Thursday, October 29 ^th . We will have our Toys for Tots drive at Ferguson Bath & Lighting on Thursday, December 3 ^rd . We hope that this season brings an abundance of happiness and joy! Thank you for your continued support of our Thiesen Dueker Family.

Retirement in Motion

Tips and resources that everyone can use

Boomers on the Brink: Issues Affecting Participants as They Approach Retirement

Will you still need me when I'm 64-or is it 65?

Some birthdays are more important than others when it comes to retirement. Here are some milestones to remember.

Age 50	More money can be placed in your retirement plan this year. Put an additional $6,000 into your 401(k) and an extra $1,000 into your Roth or traditional IRA.
Age 59-1/2	There is no longer an early withdrawal penalty for taking money out of your tax-advantaged retirement plan.
Age 62	You can claim Social Security, but your benefits will only be 75% of what you could collect at full retirement (age 66 for people born between 1943 and 1954).
Age 65	Time to enroll in Medicare, Part A, which covers hospitalization and costs nothing.
Age 70	You qualify for the maximum Social Security benefits-there is no advantage in delaying any longer.
Age 70-1/2	This is when you must start annual required minimum distributions from your 401(k) and IRAs.

Q&A: Common Questions Plan Participants Ask

How do I boost my credit score?

Your FICO score helps determine the amount of money you will be allowed to borrow and the interest rate you likely will pay. These results, which lenders use to qualify loan recipients, attempt to identify which borrowers are likely to repay on time. Having a healthy (high) score could help you lower your payments on a car or house purchase by hundreds or even thousands of dollars over the life of the loan. A low score from late payments on loans and credit cards can result in hurting your ability to qualify for loans in the future.

You can easily improve your FICO score. Spending less on your credit cards and paying off balances each month can improve your score in as little as one payment period. Making these ritual actions can not only strengthen your ability to manage other debts-car loans, mortgages-but also can build your credit history over time.

FICO Score Chart

Score Range	Credit Rating
760-850	Excellent
700-759	Very Good
660-699	Good
620-659	Below Average
580-619	Poor
Below 579	Very Poor

Tools and Techniques: Resources to Help Guide Your Retirement Plan

Rule of thumb for gauging retirement income

Check your retirement progress by adding up all of your savings and applying a 4% annual portfolio withdrawal rate, equal to $4,000 a year for every $100,000 saved. This is a conservative way to project the annual income that your savings will produce. Should you be saving more?

Corner on the Market: Basic Financial Terms to Know

Longevity risk

Longevity risk is the chance that you could outlive your life savings. The best way to protect yourself from this unknown is to save enough to be financially secure in retirement, taking into account your health and spending needs. To estimate how

long you are likely to live based on the latest medical and scientific data, check out the Life Expectancy calculator at www.livingto100.com.

Disclosure: This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. LPL Financial and its advisors are providing educational services only and are not able to provide participants with investment advice specific to their particular needs. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

Kmotion, Inc., 412 Beavercreek Road, Suite 611, Oregon City, OR 97045; www.kmotion.com

© 2015 Kmotion, Inc. This newsletter is a publication of Kmotion, Inc., whose role is solely that of publisher. The articles and opinions in this newsletter are those of Kmotion. The articles and opinions are for general information only and are not intended to provide specific advice or recommendations for any individual. Nothing in this publication shall be construed as providing investment counseling or directing employees to participate in any investment program in any way. Please consult your financial advisor or other appropriate professional for further assistance with regard to your individual situation.

Fall Fun Recipe

Ingredients:

12-14 orange and black sandwich cookies, broken up into large chunks
1 cup pretzels, broken into pieces
1 pound almond bark or white chocolate melts
1 1/2 cups candy corn
20-30 candy eyeballs
1-2 tablespoons of a variety of Halloween sprinkles.

Directions:

1. Melt almond bark according to package. I slowly melted mine in a sauce pan over a low heat, until smooth and shiny. Make sure to stir frequently to prevent burning.

2. In the meantime, cover a large cookie sheet with wax paper or parchment paper. Spread broken cookies, pretzels and about 1 cup of the candy corn onto the prepared cookie sheet.

3. Drizzle the melted chocolate over the cookie mixture, spreading with spatula to coat evenly.

4. Quickly sprinkle remaining candy corn, candy eyeballs and food sprinkles over the almond bark while it is still wet. Place cookie tray into refrigerator until set and firm.

5. Break into small pieces and enjoy!

UPCOMING EVENTS & IMPORTANT DATES

Fresno State Homecoming Tailgate & Football Game

October 15th, 2015

Social Security Seminar - Fresno Office

October 16th, 2015

Fresno State Tailgate & Football Game

October 22, 2015

Open House Party - Fresno Office

October 27th, 2015

RetireMetrics 403B Seminar - Fresno Office

October 29th, 2015

Open House Party - Visalia Office

November 5th, 2015

Fresno State Tailgate & Football Game

November 26th, 2015

Thanksgiving - Offices Closed

November 28th, 2015

Fresno State Tailgate & Football Game

December 3rd, 2015

Toys for Tots Event - Ferguson Bath & Lighting

December 25th, 2015

Christmas Day - Offices Closed

FRESNO STATE FOOTBALL HOME SCHEDULE

Market Stats As Of

Oct. 6th, 2015

Index	YTD
Dow Jones	+0.08%
Nasdaq	-0.69%
S&P	-0.36%

US Treasury Yield

Maturity	Last Yld
3 mo.	0.00%
5 yr.	1.33%
10 yr.	2.04%
30 yr.	2.87%

CNNMoney.com

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TEAM MEMBER SPOTLIGHT

Meet Shannon Stewart

Shannon has joined the Thiesen Dueker Group with over a decade of marketing, sales, and large-event management experience. She is excited to take on this new position of further branding the Thiesen Dueker name by making clients feel personally engaged with the company, as well as executing external communications, annual charity events, seminars and client appreciation engagements. Shannon graduated from California State University, Fresno with her degree in Mass Communications and Journalism and Photojournalism. She is extremely passionate about animal rescue. She spent several years volunteering as the Fundraising and Events Coordinator for a local, foster based rescue, which is how she acquired her dog, Apple, joining her other dogs, Diesel and Olive.

Jeff Thiesen

Partner & LPL Financial Consultant

Lance Dueker

Partner & LPL Financial Consultant

David Johnston

Partner & LPL Financial Consultant

Jasin Carlen

Partner & LPL Financial Consultant

Tom Fife

Partner & LPL Financial Consultant

Holly Bare

Associate & Retirement Plan Consultant

Thomas Frost