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Recent Market Trends - What Do
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During this continued downward trend in the stock market, we caution investors not to overreact at this point; fluctuations and corrections in financial markets are normal, however in situations when a portfolio is over-allocated in the market according to the investor's risk tolerance, repositioning may be appropriate at this time. Investors may consider alternate strategies to reduce market exposure and volatility. Multop Financial portfolios already reflect our asset allocation model which is specifically designed to reduce overall market volatility (like what we are experiencing now). In our most recent Economic Outlook, we stated that we anticipated a market correction in the near future, so we are poised to handle these current trends.
On a broader scale, our overall market outlook at this point is somewhat negative; on one hand we have had strong corporate profits, but on the other hand unemployment is excessively high, housing figures are anemic, and our debt levels and credit rating have been called into question. Therefore, it becomes very difficult to have confidence in an upward trending market.
It is important to note that on 8/4/2011 we officially entered into a market correction, defined as a 10% drop from the most recent market high. Normal corrections will happen from time to time, and are an inherent part of investing. However, if a correction becomes severe (15%-20% decline), we must then consider the possibility of a "bear market" as well as a double-dip recession. When and if that happens, an entirely new set of portfolio management practices come into play and it's your advisor's job to help you determine the best course of action at that point.
From years of experience in fluctuating markets, Multop Financial has the knowledge to help provide financial peace of mind. If you have questions or concerns, or would like to speak with one of our financial planning professionals, please reply to this e-mail or call our office at (360) 671-7891. |
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Attention Parents & Grandparents!
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Photo Courtesty of
Whatcom Museum.
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Are you looking for something new, fun and interesting to do with kids this summer? Try a visit to the Whatcom Museum's Family Interactive Gallery (FIG). Designed for children of all ages, the 3,000 square foot children's and family art-based gallery within the Museum's Lightcatcher building invites visitors to explore their connection to art and nature. Activities are multi-layered and provide opportunities to observe, create, discover, and collaborate. Each element of the FIG is about balance: the balance of play with education, the balance of art with science, and the balance of broad appeal with age-appropriate activities. But admission to the Museum is not just for kids! The current exhibition "Fate of the Forests" is an incredible show featuring artwork from regional artists designed to stimulate vital dialogue on the future of our forests. With a variety of art-based activities in a dramatic setting that connects visitors to our region's history and environment, the FIG promises a fun and engaging experience for the whole family. To learn more, please click here.
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Photo Courtesy of Benjamin Benschneider.
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Melanie Multop currently serves on the Whatcom Museum Foundation Board of Directors and can report that fostering education and creativity in children are top priorities for the staff of the FIG. Phil and Melanie Multop have been actively supporting arts and culture in our community through regular sponsorships of the Campaign for the Arts and the Whatcom Museum. Please contact us if you have interest in becoming involved at the Museum. The FIG is the Pacific Northwest's newest family attraction and Multop Financial has five family day-passes to give away! First-come, first-serve, so respond quickly by clicking here.  | |
Photo Courtesy of Benjamin Benschneider.
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2011 Michael Koenen All-Star NFL
Football Kids Camp - A Huge Success!
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We are pleased to announce that over 300 kids participated in this year's Michael Koenen All-Star NFL Football Kids Camp, held at Ferndale High School on Saturday, June 25th, 2011. Michael Koenen, #9 Atlanta Falcons punter and Ferndale graduate, lead the camp, with assistance from current and former NFL stars; Former Seahawks Alex Bannister, Boone Stutz, Paul Moyer, Sam Adkins, and Dennis Boyd, former Cowboys cornerback Clayton Holmes, former Redskins quarterback and Super Bowl XXVI MVP Mark Rypien, and current Bears offensive tackle Frank Omiyale. New Titans quarterback and fellow hometown idol Jake Locker made a surprise appearance, adding to the joy of over 300 star-struck 3rd-8th graders.
Koenen gave out awards for 40-yard Dash & Longest Kick in each grade level. After learning skills, drills, and playing practice games on the field, the kids ended their camp experience with a motivational talk by Clayton Holmes, as he discussed the importance of staying in school, working hard, and keeping a positive attitude.
The Michael Koenen All-Star NFL Football Kids Camp was just one component of the weekend's NFL community events. Click here to read about the other events and browse the photo gallery!
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A few of the All-Stars (left to right):
Frank Omiyale, Michael Koenen, Alex Bannister, Clayton Holmes, Boone Stutz, and Jake Locker.
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Michael Koenen signs autographs for kids after the camp.
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Advisory services offered by: Pacific West Financial Consultants, Inc. Registered Investment Advisor.
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Securities offered through: Pacific West Securities, Inc. Member FINRA/SIPC.
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News & Events
August Lifestyles
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August's Lifestyles page features local business owner and cheese connoisseur Rhonda Gothberg of Gothberg Farms in Bow, WA. Read about her passion for the cheese-making process and enjoy a recipe for a Goat Cheese Tart featuring their Chevre goat cheese.
August Lifestyles |
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Will Your Money Last As Long As You Live?  | |
At Multop Financial, one of our many specialties is helping you make your money last as long as you live. One of the ways we do this is through appropriate long-term care insurance as an essential part of retirement planning. Long-term care is once again becoming an important component of a family's overall financial plan and we are seeing a growing number of individuals who are concerned about this isue.
As with all aspects of financial planning, your specific circumstances, goals, and tolerances should be taken into consideration. We can tailor our recommendations to fit your needs and those of your family.
For ideas, information, or a complimentary consultation, contact Ted Newman by clicking here or calling our office at (360) 671-7891. |
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Multop Financial Hours | |
Monday - Friday 9 - 5
Closed Saturday & Sunday |
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See Us in Forbes & Seattle Magazine
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We appreciate your business and referrals. Please forward the e-Compass to friends & family.
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www.multop.com
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Multop Financial
333 Calluna Ct Suite 205
Bellingham, WA 98226
Ph: (888) 671-7891
Fax: (360) 671-4963
E: info@multop.com
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