THE EXTRA POINT UPDATE

Fall 2013
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TD News
 

Perfect 10!

We are celebrating 10 amazing years of independence and clasped-hands-sky.jpggrowth! It's hard to believe it was 10 years ago that Jeff Thiesen and Lance Dueker left a major Wall Street firm to serve clients independently. We have been blessed that many, many clients and team members have joined the family since then. Now, with multiple offices throughout California and dedicated local teams at each office, the commitment to independence has never been stronger. It's simply how we like to serve our clients and how they prefer to be served.  While independently owned and operated, TD Group is associated with LPL Financial - the nation's largest independent broker-dealer (As reported by Financial Planning magazine, June 1996-2013, based on total revenue. LPL Financial provides tremendous resources to help us deliver all the benefits of the largest Wall Street firms, but with local autonomy. It's been a great relationship for TD Group and our clients.

 

One Building to the West

TD Group's Fresno headquarters has moved! We are settling nicely into our new home just one building to the west of the original location. Our new location is in the Brownstone Building at 7050 North Fresno Street. TD Group occupies 12,500 sq. ft of the building's first floor. We are so proud of the new space, and we know we have you to thank for all our success.

 

So Let's Celebrate! 

Mark your calendar for TD Group' 10 Year Anniversary & Open House Party on Thursday, October 17!  Our theme is "10 Years Together!" That word "together" is at the core of all we do here. It's about our family working with your family. It's about all of us making our community better ... together. So we truly hope you and your family will join us. After all, you're a guest of honor!

  

godly-enter-key.jpgYour Account View Upgrade

Our clients have always had positive feedback on our online Account Access portal. We are pleased to announce that it just got even better. Our partner, LPL Financial, recently unveiled several technology upgrades, including the new Account View. The new Account View offers an improved user interface, streamlined navigation and many new features, including easy access to accounts, statements, tax documents and trade confirmations. Additional transaction history is available along with access to current market data and enhanced security features. We encourage you to get logged on! You can access the new Account View on our website www.thiesendueker.com or www.myaccountviewonline.com. For detailed instructions, please reference the Getting Started Guide.  Feel free to call us with any questions.

 

Our Annual Family Tailgate is November 23

Fresno State Bulldog Football is in full swing, and we Bulldog fans have a lot to be excited about! At #21 in the USA Today Coaches Poll, Fresno State has climbed into a national ranking for the first time since 2008. We've got another awesome Carr at QB. And we beat Boise State! Our Thiesen Dueker Client Appreciation Tailgate will be November 23 at 1:00 pm before the 4:00 pm kick-off of the New Mexico game. For those who have attended in years past, you know that this is a great, family-friendly event.  Make plans to attend and expect to have a good time. Look for more information to come. Go Dogs! 

 

baseball-bat-grip.jpgTDU is a Hit!

The TDU Educational Seminar Series has been a huge success. On a monthly basis, we have been hosting a seminar addressing different topics. Back in July, Alan Simeon of Eaton Vance Investment Managers presented on current and timely topics with insights on fiscal policy, taxes, entitlements, and the Federal Reserve. In August, Colleen Sylvester of Blackrock Investments shared how important it is to understand the role that Social Security benefits can and should play in your overall retirement income plan. Just recently, local attorney Paul Franco joined us for a discussion on estate planning. Thank you to all who have attended one of these valuable TDU Seminars. Our topic for October is Planning for Healthcare in Retirement. Special guest, Julie Johnston, will be here to answer questions and discuss ongoing concerns.   We are working on the topic calendar for the rest of the year. Each month, we'll email an invitation to the next TDU Seminar. We hope to see you there!

 

Let's Talk

It's our privilege that you have chosen to allow us to assist you in your financial goals. We always want to do a great job for you. Part of that is doing regular reviews with you to determine where you've been, where you want to go and discussing proactive management of your accounts. Please call us whenever you have questions, new information, ideas or new goals. A little talking can lead to a whole lot of smart "doing."

 

 

Things to Think About......

Proper Financial Planning: Critical for Women

A key goal of investing for retirement is making sure you save enough to make your money last throughout your lifetime. On this score, women may need to save more than men. The current life expectancy of a female at birth is almost 81 years, compared with 75 years for a male.1 Although six years may not appear significant, many people in this age group incur expenses for health care and other items while living off of Social Security and personal assets.  Read on.

 

Five Ways to Help Measure Investment Risk

Investors who are concerned about market volatility should examine their investment choices from all angles when constructing a portfolio -- evaluating not only return, but risk too. 

There are a variety of risk measures that may come in handy.  Of course, numbers don't tell the whole story, but they may help you determine whether owning a particular investment is consistent with your personal risk tolerance.  Learn more.

  

Transferring Assets to a 529 Plan

A 529 College Savings Plan may be an attractive vehicle for those looking to save for a child's education.  If you have already committed college-earmarked assets to another type of financial vehicle, such as a Coverdell Education Savings Account or a custodial account for a minor beneficiary, you may want to investigate transferring those assets into a 529 plan.  What you should know.

 

The Learning Center 

 Please refer to our website, www.thiesendueker.com for more educational material.
  

 

Fall Recipe!  

Honey Jalepeno Cornbread

 

Ingredients:
1/4 cup butter, melted
 1/4 cup unsweetened applesauce
 1/4 cup sugar
 1/4 cup honey
 2 jalapenos, seeded and thinly sliced
 2 eggs
 1 cup low-fat buttermilk
 1 cup cornmeal
 1 cup flour
 1/2 teaspoon salt
 1/2 teaspoon baking soda

 

 Directions:  

1.Preheat oven to 375 degrees. Spray an 88 or equivalent sized baking dish well with nonstick spray then set aside. In a large bowl, whisk together melted butter and applesauce. Add sugar and honey then whisk to combine. Add jalapenos then whisk to combine. Add eggs and buttermilk then whisk to combine.

 

2.In a separate bowl, stir together cornmeal, flour, salt, and baking soda. Whisk into dry ingredients in two batches. Pour mixture into prepared baking dish then bake for 30-35 minutes, or until a toothpick inserted into the center comes out clean.

 

Summer2       
  

       

 
                       

  
Important Dates and Upcoming Events
  
  October 16
TDU Seminar Series
Planning for Healthcare in Retirement
  
  October 17
Open House Party
  
October 31
Happy Halloween
Bring the kids by!
   
November 23
Client Appreciate Tailgate 
at Bulldog Stadium
  
November 28
Thanksgiving Holiday
We are thankful!
  
December 5
Double The Toys,
Double the Joy!
  
  
  December 25
Merry Christmas!
  
  

Market Stats as of
October 1, 2013
  
Stocks  YTD
Dow Jones   +15.64%
 Nasdaq       +26.14%   
S&P       +17.97%  
 
U.S. Treasury Yields
   Maturity     Last Yield
     5 yr              1.42%
   10 yr              2.65%
   30 yr              3.72%
      
      CNNMoney.com

Jeff Thiesen
Partner
LPL Finanical Consultant

 Lance Dueker
Partner
LPL Financial Consultant
  
David Johnston
Partner
LPL Financial Consultant

Jasin Carlen
Partner
LPL Finanical Consultant 
   
Holly Bare
Associate
Retirement Plan Consultant
  
Thomas Frost
Associate
LPL Financial Consultant

 Jason Link
Associate
LPL Finanical Consultant
 
Brian Nunes
Associate
LPL Financial Consultant
 
Ronald Young
Associate
LPL Financial Consultant
 
 Ryan Purkiss
Associate

 LPL Finanical Consultant

  

Michael Muhareb
Associate
LPL Finanical Consultant 
 
Tom Morgan
Associate
LPL Financial Consultant
 
Stephen Spach
Associate
LPL Financial Consultant
   
James Kliewer
Client Servcies Associate
 
 
  Kimberly Choi-Lindley 

LPL Registered Client Services Associate

 

Reynaldo Cardenas
Client Services Assosciate
 
Jamie Davis  
LPL Registered Client Services Asscciate
  
Diana Kliewer
Client Services Associate 
 
Rebeka Leighton
Client Services Associate
 
Brooke Simmons
LPL Branch Operations 
Compliance Manager
 
Tina St. Louis
Client Services Associate
 
Tammie Sitton
Client Services Associate
 
Carol Matalon
Client Services Associate 
 
Christine Martinez
Client Services Associate
 
Te Shardlow
LPL Registered Client Services Associate
 
Tess Dawson
Client Services Associate
 
Stephanie May
Client Services Associate
 
 

 

 Our Services

 

 Retirement Planning
  • Tradtional/Roth IRAs
  • Simple/SEP IRAs
  • IRA Rollovers and     IRA Consolidations
  • 401(k), 403(b), Profit Sharing and Defined Benefit Plans
  • Income Distributions and RMDs
Financial Strategies
  • Comprehensive and Modular Financial Plans
  • Risk and Insurance Analysis
  • Wealth Accumulation and Income Planning
  • Personal, Family and Charitable Trusts
  • Private Trust Services* 
Investment Management
  • Asset Allocation Modeling
  • Investment Manager Search and Selection
  • Performance Monitoring
  • Institutional Research

 Educational Funding

  • 529 Plans
  • Education Savings Accounts
  • Custodial Accounts

 Investment options and tools

  • CDs and Money Market Funds
  • Tax-advantaged Municipal and Treasury Bonds
  • Domestic and Foreign Stock and Bonds
  • Mutual Funds, Unit Trusts and ETFs
  • Fixed and Variable Annuities
  • Insurance - Life, Long-Term Care and Health
  • Alternative Investments - REITs

 *LPL Financial representatives offer access to trust services through The Private Trust Company N.A., an affiliate of LPL Financial.  

 

   Great Resources!

 

Weekly Economic Commentary

 

Weekly Market Commentary

 

Independent Investor 2013

 

Mid-Year Outlook 2013: Investors' Trail Map to the Markets

 

401K IRA Rollover

 

Estate Planning

 

Financial Planning

 

Health Care in Retirement

 

Retirement Income Planning

 

Retirement Savings and Investing

 

 Sandwich Generation

 

Settling the Unsettled Investor

 

Your Goals Come First

  
  
  
The Financial Consultants at Thiesen Dueker Group are also registered representatives with, and  securities offered through LPL Financial, member FINRA/SIPC