N e w s   Y o u   C a n   U s e

Castell Insurance   ~   March  2013  Newsletter

As a person who has made a living advising clients for over 25 years I would like to think that I am experienced and knowledgeable.

However, sometimes I just have to sit back and scratch my head in amazement at the gyrations of the financial markets.

My guiding principal in working with client's nest eggs and retirement accounts is safety and preservation, tempered with a splash of growth. 

I will pose you a couple of questions and I would love to hear your answers.

If you were to sit down and think about the world today with the situation in Europe as well as the budget and deficit here in the US, where do you think the stock market will be in 2 ~ 3 years?

a)    Right about where it is now?

b)    20% higher than now?

c)    20% lower than now?

Without a single exception, folks I have spoken with think the market will be the same or lower.

The stock markets are very near all-time highs and have continued to rise even as the US has faced both a fiscal cliff and sequestration in the past 90 days.

If your investments are in risk products like stocks and bonds, I think now is an excellent time to review your portfolio as well as your risk tolerance.

My next question is even easier for most folks to answer.

Would you lose sleep if your investment lost 20% of it's value?

We do not know when the stock market will have a correction, only that it will.  Is your asset allocation appropriate for your situation?

Most people are complacent with their investments and remain fully invested when at times a more prudent approach should be considered.

These are just a few thoughts I would like to leave you with.  

If you would like to sit down and have a chat about your specific situation I would

Investment Advisory Services offered through Global Financial Private Capital, LLC, an SEC Registered Investment Advisor.

Phil@CastellFinancial.com 

What is the health insurance exchange?

It is an online tool that will show the user the qualified health insurance programs that are available in their zip-code for Major Medical Coverage.

When it comes to purchasing, Americans like to get the best value.

As a society we participate in loyalty programs, coupon clipping, price comparison magazines and still the good old fashioned art of bartering. No one likes to miss out on a deal. Nothing personifies this sense of thriftiness like the madness we see each year surrounding "Black Friday" and the midnight door buster sales.

Most of these ways of saving are hard to avoid. Television commercials, weekly coupons in the mail and of course window stickers help customers know where to get the best value.

When it comes to Insurance, many of these savings aren't so glaringly obvious. Discounts are abundant when it comes to Insurance but how do you know if you are receiving the discounts you deserve?

Examples of discounts you might be missing out on here in Sequim: low mileage, claim free, drivers training course, hybrid vehicle, newer home, no mortgage on home, multiple policy, good student driving, AARP or AAA membership discount, and many, many more.

Whether it's your homeowners or auto policy you owe it to yourself to ensure you're being rewarded in every possible way.

There's no need to wait until renewal to see if you would be better suited with another company. Contact us today for a free review of your policies.

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