Forefield Newsletter

PennyTree Advisers, LLC
Dan Candura, CFP®
PO Box 850343
Braintree MA 02185-0343
(781) 626-0888
dan@pennytree.com
www.pennytree.com

Refer a friend

For Your Thoughts

Quality Financial Advice for All

February 2009

Hi,

I want to let you know about a new service I have agreed to provide on a "Pro Bono" basis through the Massachusetts Chapter of the Financial Planning Association.

I will be helping to provide financial planning advice and assistance to military families of active duty, Reserve and National Guard soldiers. Many of these service members experience serious financial consequences when their units are called up and deployed in service to our country. Together with my colleagues at MA FPA, I have agreed to provide financial planning assistance at no cost and with "no strings."

If you know someone who could use this type of help, please fell free to put them in touch with me.

Best wishes,

Dan

	Tax-Friendly States for Retirees If you're retired, or about to retire, you may be thinking about relocating to a state that has low tax rates, or that provides special tax benefits to retirees. Here's a survey that may jump-start your search for a tax-friendly state in which to spend your golden years.
	More Details

	Retirement Plan and IRA Limits for 2009 An increasing number of retirement plan and IRA limits are indexed for inflation each year. Some of the key numbers for 2009 are discussed here.
	More Details

	College Costs: Increases and Trends Many of the developments we saw last year in the world of higher education will continue to play out in 2009, as the largest high school class in American history heads off to college.
	More Details

	Ask the Experts: How can I insure an engagement ring? A diamond may be forever, but if it's lost, stolen, or damaged, you may not have it forever. That's why it's important to have adequate insurance protection.
	More Details

	Ask the Experts: If an engagement is called off, who keeps the ring? A couple who calls off their engagement can often come to a polite agreement over who keeps the ring. But in certain cases, especially one involving an expensive ring or an acrimonious breakup, the issue may be decided by a judge.
	More Details

This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

To opt-out of future emails, please click here. Forefield KT