A Word from the CEO

With growth strong and inflation relatively low, the Federal Reserve is gradually raising interest rates. Rising interest rates directly affect bond investors. To learn more about the relationship between interest rates and bonds and become a smarter bond investor read our article, "Investing in Bonds."

We also take a look at spending strategies in retirement. By the time we enter retirement, we are familiar with the principles of saving and investing. Making the transition to retirement requires that we understand how to spend our savings so it lasts the rest of our lives. The article on "Spending Strategies in Retirement" offers two approaches to consider.

I'll be in Skokie, IL from October 22-24 meeting with participants in the Chicago area. If you would like to review your financial plan in person, please set up an appointment. If this is not convenient, you can always set up a phone conference to speak with me. See below for contact information.

Moadim L'Simha ,