from FREEDMAN FINANCIAL | December 24, 2015

Our Office will Be Closed for Christmas

on Friday, December 25.

We will re-open on Monday, December 28 at 8:30am

Enrich Your Retirement

Embrace Technology

Americans are living longer and therefore spending more time in retirement. So how do you maximize the years ahead? Technology, innovative devices and mobile services have made it easier for seniors to work, stay healthy, live at home and remain connected to friends and family. Recently, Freedman Financial visited the MIT AgeLab, where Dr. Joseph Coughlin and his associates explained how they are working to innovate the "retirement experience" into a period life that is about living better through technology. Our wireless world is creating opportunities for seniors to live independently. Imagine having doctors and caregivers on stand-by, and even better sending alerts electronically so that they are notified of sudden changes to routine or health. As we become more "connected", there are challenges that need to be addressed, including the added costs of these technologies and the possible loss of privacy.

Technologies That Will Change Retirement for the Better

The Cost of True Love

Click Here - To Learn about the PNC Christmas Price Index

Are you prepared to pay $34,131 for the "Twelve Days of Christmas"?

This year, the cost of fulfilling the wishes of the traditional Christmas Carol,"The Twelve Days of Christmas", increased about three percent over 2014. This is mostly because the cost of consumer goods hasn't risen much over the past year and the overall demand for goods is down due in part to stagnant salaries of the past few years. However, the price of 'renting Lords-a-Leaping, and Pipers-Piping' rose more than consumer goods, because of the improved unemployment rate in America. This lead to higher demands for skilled performers - which in turn, lead to a rise in wages.

A Partridge in a Pear Tree - $215

Two Turtle Doves - $290

Three French Hens - $182

Four Calling Birds - $600

Five Golden Rings - $750

Six Geese-A-Laying- $360

Seven Swans-A-Swimming - $13,125

Eight Maids-A-Milking - $58

Nine Ladies Dancing - $7,553

Ten Lords-A-Leaping - $5,348

Eleven Pipers Piping - $2653

Twelve Drummers Drumming - $2,855

IN CASE YOU MISSED IT

Weekly Market Commentary

Finally

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Who Keeps Your Unused Flexible Spending Money?

As the year ends, make sure to use all your flexible spending dollars. You could lose them if you don't!

Did you know that your employer typically retains any unused flexible spending dollars that you don't spend by year end? It's not that your employer wants to get rich off you, rather, it's the law. Unused flexible spending funds must be applied towards for administrative costs of running an FSA (flexible spending arrangement).

Flexible spending accounts can be an excellent way to save tax dollars. With the year ending next week, now is the time to use up all the dollars in your account. Even if you can't use all the money by December 31, you a likely still ahead of the game, if you fully fund your FSA ($2,550) and pay a combined 30% in federal and state taxes, you saved $765 in taxes.

Act Now and Use Your Flexible Spending!

WAYS TO STAY CONNECTED

QUESTIONS? COMMENTS? NEWS?

8 Essex Center Drive | Peabody, MA 01960

p: 978.531.8108 | f: (978) 532-2666

info@freedmanfinancial.com

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PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, we make no representation as to the completeness or accuracy of information provided at these web sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, web sites, information and programs made available through this web site. When you access one of these web sites you assume total responsibility and risk for your use of the web sites to which you are linking.

The opinions expressed in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult your financial advisor prior to investing.

Investment advice offered through Freedman Financial, a registered investment advisor

and separate entity from LPL Financial.

Securities offered through LPL Financial, Member FINRA/SIPC.