What you will find in this issue:
  • “Thoughts on Roth conversions” from Dave Dickens
  • Video Coming Soon >> How you can prepare for being 'Suddenly Single' from Dave Cox
  • NASDAQ outperforms DOW, S&P 500 & Weekly Newsworthy Shares
  • December Topics are here >> Double the Coffee Connection & Wine Down Mondays!
  • Weekly Quote, Tip, Riddle and a NEW "Get this Gadget" (You thought we were going to say Recipe, didn't you? )
Happy Thanksgiving!
Holiday Office Hours
Our office will be closed on Thursday, Nov. 23rd and Friday, Nov. 24th.
We will resume normal business hours Monday, Nov. 27th.
Financial Talk w/Dave Dickens & Dave Cox
Dave Dickens shares with you a personalized letter - Should I do a Roth Conversion?

Lots of investors struggle with the decision of whether or not to do a Roth conversion with a part of their tax-deferred IRA.

For many retired Americans, making a series of annual, properly sized Roth conversions can make sense from a tax and inheritance planning standpoint. While there are a number of factors to consider, here are a couple of the major themes.
 
Dave Cox led a Wine Down last night on How to prepare for being 'suddenly single' and shares the following.

"Benjamin Franklin once said that there are two things that are certain in life: death and taxes. Now only a fool fails to prepare for what they know is inevitable. We talk a lot about strategies to reduce your taxes now and in the future.  But how do you prepare for death? Or better yet, how do you prepare for being suddenly single because of the death of your spouse?"

Illustrating with lots of personal stories, Dave covered seven ways to better prepare yourself for the possibility of becoming suddenly single, including the importance of having a plan to replace lost income when a spouse dies. 

The group also reviewed why it is critical to have a “Lifebook”, a place that contains all your essential information. Dave wrapped up the evening by discussing what needs to be done soon after the death of a spouse and what can wait. 

Stay tuned for an upcoming video from Dave that hits the highlights of this vital topic!
November 20th Weekly Financial News
This week's headlines ...
  • Yearly inflation back at 2.0%
  • Retail sales beat expectations
  • Developers pick up the pace as fall begins
  • NASDAQ outperforms DOW, S&P 500
A Few Newsworthy Shares ...
How Americans Buried Themselves $13 Trillion Deep in Debt

According to a  Federal Reserve Bank of New York release , which is where we’ve pulled all the following data from, the total U.S. consumer debt is $12.84 trillion. Now, with that out of the way, we’ll get into the thick of it.

The real issue here is not just that Americans have a lot of debt. Some debt is necessary, after all. It’s that we seem to be taking on more of it even as we’re facing some very real and scary economic issues, such as decreasing job prospects and increasing levels of income inequality.

Getting a Dog May Save Your Life, Especially If You’re Single

Having a dog can bring a lot of love into your life. It could also make it last a little longer.

A group of academics from Uppsala University in Sweden analyzed the health records of 3.4 million people in that northern European country, where databases contain detailed information on everyone’s hospitalizations, medical history and even whether they own a dog. Such detailed records made it relatively easy to suss out the impact of having a canine companion.

The results were heartwarming.

Suze Orman's 3 Retirement Rules for the Young and Fabulous
I am a big believer in the idea that our biggest mistakes are often the ones we don't realize we're making. 

And millennials are often clueless about what they are getting so very wrong about their 401(k)s.
To be fair, everyone gets plenty wrong. But right now I want to focus on younger adults.

December Topics are here!
Call for Availability and to RSVP!
Seating is limited to 10 for each date.
You will receive an email confirmation when you are registered.
(913) 317-1414

Place: KC Financial Advisors office in Corporate Woods. 
December 1st
w/David Dickens
9:30 - 10:30 AM
Tax-free investments you can begin using - TODAY!


December 13th 
w/David Cox
9:30 - 10:30 AM
Enjoy the Rally, But Prepare for the Retreat.

Weekly Quote, Tip, Riddle & "Get this Gadget"
 
WEEKLY QUOTE -  “Humor is just another defense against the universe.” - Mel Brooks

WEEKLY TIP -  The classic way to balance a household budget is to reduce expenses. But what about earning more money? In this strong economy, consider asking for a raise at work or creating another income stream.  

WEEKLY RIDDLE -  They can darken the dark; they can also lighten the intensity of the light. What are they? 
        
Last week’s riddle:
Wherever you notice me, I’ll be in a row. My name has no letters, but my initials are MNO. What am I?  
  
Last week’s answer:
The 6 key on a phone keypad.


"GET THIS GADGET" - Written by Nancy Stiles, Feast Magazine

Impress your guests this Thanksgiving with mini pies. You can make four 4-inch pies - each different flavors - at once using this handy tool.

I suppose you can have your "pie" & eat it too with this gadget! ~Elizabeth

Do you have a friend or colleague that could benefit from KC Financial Advisors services? 
 
If you know someone who:

  • Would like a second opinion.
  • Doesn't have an income plan.
  • Recent job change - Needs help rolling over 401K
  • Organizing your orphaned 401K's.
  • Is recently widowed or divorced.
  • Still has the same portfolio they did in 2008, but are hoping to find a different result this time.
  • Is looking to reduce their taxes.

Please provide us their contact information or give them our name.

We truly appreciate the opportunity to serve you & those who are important to you! 
Office Information
KC Financial Advisors
Located in Corporate Woods
10975 Grandview Dr. , Ste. 190, 
Overland Park, KS 66210
(913) 317-1414
Disclosures:
Disclosure: Dickens Law and KC Financial Advisors are two separate companies, although they share office space. When Dickens Law renders services or gives advice, it does so only on behalf of the Law Firm, and not on behalf of the Financial Firm. Likewise, when KC Financial Advisors renders services or gives advice, it does so only on behalf of the Financial Firm, and not on behalf of Dickens Law, LLC.

Investment Advisory Services are offered through Brookstone Capital Management, LLC, an SEC Registered Investment Advisor. KC Financial Advisors and Brookstone Capital Management LLC are separate companies. These views should not be construed as investment advice. Neither Brookstone Capital Management LLC nor any named representative gives tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your financial advisor for further information.

Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Additionally, the recently enacted Department of Labor (DOL) Fiduciary Rule imposes a fiduciary duty upon advice given to any retirement account, including qualified insurance annuity products. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), should not be construed as an endorsement of the wealth manager by Crescendo Business Services or any client. The award methodology does not evaluate the quality of services provided. The award is not indicative of the award winners future performance. For more information on the Five Star Award and the research/selection methodology, go to: www.fivestarprofessional.com/wmresearch .