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
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Retirement Living

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


Dates to Remember:

October:
10/31: Halloween

November:
11/4: Daylight Savings Ends
11/6: Election Day
11/11: Veteran's Day
11/22: Thanksgiving

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

Best regards,


Dirk







How Much Annual Income Can Your Retirement Portfolio Provide?
Your retirement lifestyle will depend not only on your assets and investment choices, but also on how quickly you draw down your retirement portfolio. Take out too much too soon, and you might run out of money in your later years. Take out too little, and you might not enjoy your retirement years as much as you could.
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Absolute Return Investing: Aiming for Market Independence
Wouldn't it be great if you could reduce your portfolio's risk by some means other than simply reducing or eliminating your investments in highly volatile asset classes? Well, that's the goal of absolute return investing. However, as with all investments, there's a tradeoff. To try to reduce market risk, you'll probably increase your exposure to other types of risk.
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Do You Need More Liability Protection?
Liability insurance protects individuals and businesses in the event they're held financially responsible for injuring someone or causing property damage. You probably already have this important protection, but do you have enough?
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Ask the Experts: Should I have a prenuptial agreement?
Although no one gets married with plans to divorce, the sad truth is that many marriages do end that way. For some couples, it can be prudent to have a prenuptial agreement.
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Ask the Experts: What is a postnuptial agreement?
A postnuptial agreement is a legally binding contract between a husband and wife. It's similar to a prenuptial agreement, but it's signed during the marriage, not before.
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*Securities offered through Royal Alliance Associates, Inc. Member FINRA/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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