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September 2019 Newsletter
NEWS & ANNOUNCEMENTS

Second Half Strategies is proud to Introduce HALO! The Health Analysis and Longevity Optimizer. HALO brings science to our longevity, health care cost, and custodial care cost projections. We believe it will improve the assumptions in your plan, help you make more informed decisions and provide information to help you improve your active years. We plan to introduce HALO to all of our Wealth Management clients over the next six months. If you can't wait, give us a call and we will share it with you sooner!
 
 
Summer is over and open enrollment at your employers will begin soon. As you are making benefit elections, please call us if we can help you understand options and determine what might be the best fit for your plan.
 
Todd and Irina have finished their journey to the top of 49 of the US State Highpoints by successfully summiting Gannett Peak in Wyoming on August 14. Check out this post if you didn't see the details from the climb. 


PRESENTS FOR GRANDCHILDREN
 
Maybe it's time to rethink gifts for our grandchildren? 84 percent of parents said they would  welcome college contributions  in lieu of traditional presents from family and friends!




EXERCISE SAFETY

We know that exercise is important for our health, quality of life and longevity. If you are just starting out or are a veteran exerciser, here are a few tips to stay safe when you hit the gym!



DO YOU KNOW?
We can buy individual stocks and bonds for your portfolio, not just mutual funds and exchange traded funds. Ask us if this might be appropriate for you!


HOW HIGH ARE YOUR TAXES?

It's amazing how different taxes are from state to state. Check out this post to see how your state stacks up!



THANK YOU!
 
For supporting us on our journey to climb to the top of 49 states in the US! It has been an incredible experience, and we have enjoyed sharing it with you! 



 WHO REALLY UNDERSTANDS THEIR RISK COMFORT ZONE?

Thanks to our partnership with Riskalyze, we are able to quantify your Risk Number and compare it with your current investment line up. Wouldn't you like to know if your Risk Number lines up with your portfolio's Risk Number?
 

HISTORICAL COST OF COLLEGE

This is amazing. The cost of college has increased way more than the cost of other things we buy. Check out the costs for the years you attended! 



TARIFFS AND TRADE
 
We get a lot of questions about the impact of the trade war on investments. LPL Research has the facts!



FUN FINANCIAL FACT
Just 40% of Americans have spent time working on their retirement plan, and 48% of Americans have less than $10,000 saved for retirement.    

2018 Ramsey Solutions Retirement Study

FINANCIAL LITERACY TOPIC OF THE MONTH

Do you understand the difference between International and Global Mutual Funds? You might be surprised!

  Learn More     



What is your  Second Half Strategy ? If you do not have one, we would like to help you build it! We hope to help you make sense of a complex financial world and to offer you greater 
confidence in your financial decisions. Please let us know how we can be of service...

Sincerely,

Paul Brown


S ecurities offered through LPL Financial, Member FINRA/SIPC, www.finra.org  and www.sipc.org Investment advice offered through Second Half Strategies, a registered investment advisor and separate entity from LPL Financial.  For a list of states in which we are registered to do business, please visit  www.secondhalfstrategies.com

Please note this article contains hyperlinks to additional content. The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided at these web sites.