STOCK MARKET GOT YOU DOWN? Focus on the long-term. In volatile markets, it's

common to feel uneasy about your investments.

In recent months, the media has been abuzz

with headlines of stock market volatility, global

market chaos and threats of financial doom

and gloom.

To help calm the jitters caused by market

fluctuations, it's best to focus on long-term

trends and your long-term goals. Living with

market volatility is a lot easier when you have

a firm investment strategy in place.

Let's get together - I want you to feel

confident you have a strategy in place to

support your risk tolerance, financial goals

and individual situation. A sound financial plan

typically will survive market ups and downs.

David Frazier, CPA, CFP® Financial Advisor

Retirement Planning Specialist

Financial Plan Advisors

Direct: (937) 748-5306 Toll Free: (866) 745-0680

Email: dfrazier@ksifa.com

"GUIDING DREAMS WITH SIMPLE PLANS"

S 2016 0

FINANCIAL LITERACY: ITEMS YOU NEED TO UNDERSTAND ABOUT MONEY 'ihe financial environment we live in today changes quickly - bull markets, bear markets, rising interest rates, falling interest rates. Additionally, there are more financial options including hundreds of credit cards, several types of mortgages, different types of IP.As, etc. 'Thken together, many people today are feeling a high level of financial anxiety and are looking for answers. Increasing your level of financial literacy may help to ease the pain.

Financial literacy refers to the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources. 'lhe ability to understand how money works in the world: how to earn it, manage it, invest it and use it to help others is part of financial literacy Few things affect your quality of life more than financial literacy.

HERE ARE THE 7 ESSENTIAL FINANCIAL BASICS: 1. Credit cards - It's vital to understand credit card basics. Use credit cards wisely

and they can be an asset. Misuse or abuse them and they can quickly turn into a huge liability.

2. Compound interest - When you understand the fundamentals of how compound interest and time work together, you see how saving even small amounts on a regular basis can have a huge effect on your retirement nest egg.

'hrEpillen.wikipedia.org/wil'iJFinandz1lit'racy

Website: efinancialplanadvisors.com (continued on page four)

) 5 STRATEGIES FOR VOLATILE MARKETS Volatility makes for stressful investing and it can be tempting to bail when stocks fall. Instead, try to tune out the noise, and continue to save and invest based on your long-term goals. Here's how:

1. Develop a strategy - Most investors understand that risk is an inescapable part of investing. Still, severe market downturns can challenge anyone's willingness to take on risk. Your time horizon, goals and tolerance for risk are key factors in helping to ensure you have an investment strategy that works for you.

2. Be comfortable with your investments - If watching your balances fluctuate makes you anxious or uncomfortable, think about re-evaluating your investment mix to find one that feels right. It's important you feel comfortable with the short-term ups and downs you'll likely encounter.

3. Diversify - Consider diversifying investments within each asset class and across asset classes - different sectors, industries and companies. Although diversification may help to mitigate losses, diversification does not ensure a profit or protect against a loss in declining markets.

4. Don't try to time the market - Trying to time when to exit or enter markets is very difficult. Corrections happen regularly and periods of high growth often occur close to major pullbacks. If you're not in the market when it rallies, you may miss out on the best days of performance. I can help you develop a comfortable investment strategy that you can stick with.

5. Invest regularly despite volatility - Known as dollar-cost averaging, you invest a set amount every week, month or quarter, so that you buy shares of each investment at varying price levels. As a result, the average price per share of your investments may be lower than if you invested all your money at once. Periodic investment plans do not ensure a profit or protect against a loss in a declining market.

THE BOTTOM LINE When markets swing, it's natural to worry about your investments and question your commitment to your strategy. Take advantage of my knowledge and service - develop and maintain a sound savings and investing plan that may help you ride out the peaks and valleys of the market, achieve your financial goals and give you some peace of mind during turbulent times. Call me - let's get together now.

• Going to extremes may reduce

your returns - Don't be overly

conservative or take too many risks.

• Don't try to time the markets - This

often results in selling stocks at low

prices and buying them at high prices,

which could result in compromised

performance.

• Sticking with an appropriate asset

allocation - This can help you

stay on track in uncertain markets.

There is no guarantee that a specific

asset allocation or mix of individual

securities and mutual funds will

satisfy your investment objectives or

generate a certain amount of income.

• Work with me - I can give you

information that may help you

navigate rough waters so you are

prepared and don't panic.

) RETIREES: 6 STRATEGIES FOR VOLATILE MARKETS Volatility can be emotional and come with real challeizgsfbi retirees. A big drop in the value ofa retirement portfi!io is enough to give any investor pause but when you're in or nearing

retirement, it may ftei like the stakes are higher than they were when you had years or decades to accumulate a nest egg. Retirees need a plan to deal with sudden drops in the value of their investments:

1. Make sure your essentials are covered - Consider a strategy that provides adequate guaranteed income, including Social Security, pensions or annuities,' to cover housing, food and other essential expenses.

2. Cash may provide a cushion - Cash on hand may give you an opportunity to delay the sale of stocks when the market is down, leaving more invested to participate in a recovery.

3. Be strategic about investment income —After cash, if you must liquidate holdings, consider the tax impact of different approaches. In general, financial experts agree it's better to withdraw from taxable accounts first to allow investments in tax-deferred accounts such as 401(k)s and IRAs to potentially continue growing. Check with your tax professional before proceeding.

4. Check your withdrawal rate - Although withdrawal plans should be built to last through typical downturns, changes may be necessary. Consult with your tax professional.

5. Consider alternative income sources - During periods of extended market downturns, you may want to look for other sources of income, such as a part-time job, or selling possessions you no longer need or use.

6. Get used to volatility - Market volatility is part and parcel of investing. Your portfolio and withdrawal strategy can help you weather the ups and downs of the market.

LEARN MORE

Make sure your income strategy is on track. Let's get together and review your plan. 'Guarantees ate subject to the claims-paying ability of the issuing insurance company. istty://wwwmarkecvatch.conilseoy/besr-waysra-draweIown-reeirementaccounrs-2O1J-O92.9

The articles and opinions in this publication are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that you consult your attorney, accountant, insurance agent, orflnancial or tax advisor with regard to your individual situation. Publication prepared by: Progressive Impressions International (pi), 3500 Gateway Drive, Suite soo, Pompano Beach, FL 33069. Date of first use: 5/56.

RETIREES: KEY POINTS TO REMEMBER

• Many retirement plans are

designed to withstand market

volatility, so you may not need

to do anything. Check with me

to be sure.

Market downturns are inevitable:

Consider having enough cash on

hand to cover expenses during

these periods.

If you need to liquidate holdings

to raise cash, check with your tax

professional before proceeding.

Consider modifying your

withdrawal rate or skipping

an inflation adjustment during

market downturns.

CALL ME

I will give you information relevant

to your individual circumstances that

may help you prepare for inevitable

market volatility.

) FINANCIAL LITERACY: ITEMS YOU NEED TO UNDERSTAND ABOUT MONEY ...from page one

3. Risk —Understanding your tolerance for risk - your willingness and ability to withstand financial losses - is as important as knowing your shoe size. You want an investment that fits you well.

4. Retirement vehicles - There are a number of retirement vehicles that allow you to invest with tax advantages, which can potentially mean the difference between not being able to retire and enjoying a comfortable retirement. These include 401(k)s and IRAs. Understanding how these tools work to your benefit and taking advantage of them to accumulate retirement funds is an essential part of basic financial literacy.

5. Housing and mortgages - It's important to understand the basics of housing and how mortgages work. Housing prices don't always appreciate and mortgage debt should be affordable over the life of the loan.

6. Emergency fund - Life will always throw unexpected curves into even the best laid plans. Being prepared with an emergency fund of three to six months' of living expenses is an essential part of your financial literacy.

7. Budget -There is nothing more important to financial literacy than to understand where you spend your money and to ensure that you spend less than you earn.

BOTTOM LINE Today, it's more important than ever that consumers understand financial basics as they are being asked to shoulder more of the burden of investment decisions in their retirement accounts while having to decipher more complex financial products and options. Call me. I can give you information that may help you become more financially savvy

David Frazier, CPA, CFP® Financial Plan Advisors

Retirees: 6 strategies for volatile markets

Retirees: Key points

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David Frazier, CPA, CFP®

- Financial Advisor

Retirement Planning Specialist

Financial Plan Advisors

Direct: (937) 748-5306

Toll Free: (866) 745-0680

Email: dfrazier@ksifa.com

9 'GUIDING DREAMS WITH SIMPLE PLANS'

Website: efinancialplanadvisors.com

David Frazier is a registered representative of and offers securities through Kovack Securities, Inc. Member FINRA/SIPC 8451 N. Federal Hwy Ste, 1201, Ft. Lauderdale, FL 33308 Tel: (954)782-4771 Advisory Services offered through Kovack Advisors. Financial Plan Advisors is not affiliated with Kovack Securities, !nc,/Kovack Advisors, Inc.

'FINANCIAL PLAN ADVISORS