H.I.B. Planning & Benefits
Dirk Alexander, AAMS
222 Schanck Road
Suite 201
Freehold NJ 07728
Phone: 732-780-2406
Fax: 732-761-0302
dalexander@NCFG.com
www.HIBPLAN.com
Refer a friend
Retirement Living

Brought to you by H.I.B. Planning & Benefits June 2007



Date to Remember:


June:
6/17: Father's Day
6/21: First Day of Summer

July:
7/4: Independence Day

Call our office for assistance on planning your retirement. 732-780-2406

Best regards,


Dirk



Six Reasons to Work with a Financial Professional
If you're like most people, you probably bring your automobile to a professional mechanic for routine maintenance. You see a doctor when you have concerns about your health, and for regular exams. All of us rely on the expertise of others. It's no different when it comes to personal finances--most people could benefit from working with a financial professional. Here are six good reasons to do so.
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Beyond 401(k)s and IRAs
You're contributing as much as you're allowed to a 401(k) or other employer-sponsored retirement plan. You're also contributing the maximum annual amount to your Roth or traditional IRA. But you want to set aside still more money to make sure your retirement is everything you hope for. What options do you have?
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Solving the Pension Payment Puzzle
If you participate in a pension plan at work, you may be offered several payout options when you retire. The form of benefit you choose could be one of the most important financial decisions you ever make.
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Ask the Experts: Can reducing my credit card debt actually lower my credit score?
Generally, reducing your debt will improve your credit score. But how you reduce your debt can make a difference.
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Ask the Experts: How can I tell if I have too much debt?
It may sound like a bad joke to say that you have too much debt when you find you're unable to borrow more, but there is more truth than humor in the flippancy.
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*Securities offered through Royal Alliance Associates, Inc. Member NASD/ SIPC
*Advisory services offered through New Century Financial Group, LLC an SEC registered investment advisor

For information on how we can provide help for your personal insurance and financial needs call our office at 1-732-780-2406 or visit our website at www.HIBPLAN.com.

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