STAFFORD WELLS | personal wealth management

January  2012

Dear Clients & Friends,

Perhaps you managed some or all your investments in 2011 following the rules of good, "proven" portfolio management, such as diversification; investments in a variety of asset classes, including global assets, not just local U.S. choices; and hedge funds that have little or no correlation to the market. If you followed all those rules you were probably disappointed with a negative return for the year.

  • U.S. stocks, as evidenced by the Standard & Poor's 500 index, were one of the better performing asset classes. The index returned flat for the year while small- and mid-capitalization stocks ended in negative territory.
  • Europe and Japan stock markets declined by double digits and emerging markets were even worse.
  • Hedge funds fell a dismal -3.2 percent.
  • The place to avoid in 2011 was 30-year Treasury's because of a perceived "bubble," but holders earned a 34 percent return when the yield of their bond went from 4.42 percent to 2.89 percent by 2011's end.

So where do you put your money in 2012? ... Read More

 

Establishing Legal Health Care Documents Brings Peace of Mind

It is imperative to have power-of-attorney documents in place.

As I talk with current and prospective clients, I find that a significant number of people do not have an estate plan. As a result, these individuals generally have not executed powers of attorney for health care and property. ... Read More

 

How Can You Save on Health Insurance?

I almost saved $1,200 a year on my personal health care policy. Perhaps this will work for you.

If you are not part of a company sponsored plan, then please read below;

In December, I applied for health care coverage from Blue Cross Blue Shield of Illinois for the exact same policy that I have now with the same deductible and co-pays, and received a quote for $100/ month less than my current rate. I realize this does not make sense so let me explain. ... Read More

 

If you are 50 or older, please read;

I am not getting older, I am getting Discounts
From Charlie Stroller-Smart Spender blog- Financial Advisor Magazine

As I was waiting in line behind an older gentleman at Wendy's recently, I heard him ask for his senior discount. The girl at the register apologized and charged him less. When I asked the man what the discount was, he told me that seniors over 55 gets 10% off everything on the menu, every day
.... Read More

 

I will be speaking at these upcoming events.

Please let me know if you are interested in attending;

The Retired Men's Roundtable; The Economic Outlook for the Year and Tax Implications in Retirement. Wednesday, January 25th at the Hinsdale Community House.

Think Tank; Financial Decision Making in Marriage and in Divorce. Sponsored by the law firm, Ladden & Allen. Chicago Saturday Feb 25th.

The Chicago CEO Roundtable; Tax Management and Retirement Planning. Chicago. Tuesday April 10th


As always, if I may be of service, I hope you will reach out and call 630-368-1288.

My Best,

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