February 2009
Issue: 66
Welcome
 
Greetings!

From everything we are hearing, it's going to continue to be a bumpy ride in the market for at least the first half of 2009.
  • Did you lose more than the market despite believing your risk tolerance was more conservative?
  • Are you concerned that you are paying excessive fees and commissions?
  • Are you looking for a second opinion to ensure your short term and long term goals are going to be met?
  • Is your brokerage house: out of business? going through a merger?
  • Does your advisor return your calls? In a timely fashion? Or at all?
  • Is your advisor a fiduciary? Ask them. Are they required to work on your behalf or are they beholdend to the firm that employees them?
Maybe you should think about taking advantage of our Second Opinion Report.

If you'd like to talk, we are here for you. Give us a call.

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Time to Share. Create a Buzz.

Join business and professional women at the Elements for Excellence conference, offered by the Cranberry Country Chamber of Commerce, on March 24, 2009. Paula Harris will be presenting: Five Steps for Achieving Financial Peace of Mind.

Maybe you've already read it all but just in case you haven't. Paula's been named a Top 10 Financial Advisor, been quoted in the Boston Business Journal and is on the Economic Panel for The Patriot Ledger. Plus, you can check out Bill's recent presentation: Keeping Your Business On Track During Difficult Business Times. It's all on the Buzz section of our website.

Hidden taxes you pay every day

When you're making a PBJ sandwich or an airline reservation, you're coming into close contact with invisible charges that make goods and services more expensive.

Read on...

In This Issue
Hidden taxes you pay every day
Planning a start-up? Help and advice abound
15 things you need to know now about annuities
What you really want from your money
5 terrible tax surprises
20 secrets to save on travel
About us
Planning a start-up? Help and advice abound.

Laid off in the recession and thinking of starting a business? Or just tired of working for someone else?

Read on...

15 things you need to know now about annuities

With the retirement playing field littered with crushed investments and dreams, the safety of guaranteed income streams looks more attractive each day. Annuities can provide such guarantees, so let's take a look at them and consider whether they make sense for you.

Read on...

What you really want from your money

A growing number of advisers say that until you think hard about that question, you can't have a successful lifelong financial plan. They're right.

Read on...

5 terrible tax surprises

You've always followed the sage advice of the late singer-songwriter Jim Croce: You don't tug on Superman's cape, spit into the wind or try to pull a fast one on the IRS.

Read on...

20 secrets to save on travel

The travel industry is shuddering as frugality becomes fashionable and a new word, staycation, creeps into our vocabulary. So to spur sagging sales, operators are offering steep discounts to entice you to leave home.

Read on...
About us

WH Cornerstone Investments, LLC provides wealth management services to a select group of clients. Regardless of their background or future vision, all of our clients commit to a plan that targets their long-term financial growth and stability. While some of our clients concentrate on one part of their investment strategy, others opt for a more holistic approach.

WH Cornerstone clients demand customized objective, expert advice, which they know can come only from a firm that is truly independent-a firm not tied to financial institutions. As an independent Registered Investment Advisory firm, we are fee-only and therefore free from any outside institutional influence.

Cheers
,

Paula Harris and Bill Harris, CFP
WH Cornerstone Investments
781.934.9154
www.whcornerstone.com