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InThisIssueIN THIS ISSUE 
December 22, 2015   
Happy Holiday 2015
Before_The_BellWBZ1030 with Dave
Before the Bell
with Dave Caruso
Dave reports on 3Q GDP numbers as well as the big companies making news today.
12/22/15
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 WBZ1030 Weekday Morning Radio Show 9:25am and Friday evening at 5:25pm 

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HeadlinesHeadlines
  • China Unveils Economic Blueprint for 2016
  • Oil Falls to Lowest Level Since 2004 Iranian
  • Hackers Infiltrated a Dam in New York, Highlighting Weaknesses
First_articleShielding Retirement Assets from Taxes   

For many investors, a large portion of their investments are held in
401(k)s, IRAs, or other tax-favored retirement vehicles. While these accounts can Shielding Retirement Assets From Taxes be ideal for sheltering retirement savings from taxes both preretirement and post-retirement, they can also be highly vulnerable to tax losses in an estate, if they are not bequeathed properly. For instance, a $1 million IRA inheritance could be whittled to almost nothing under worst-possible circumstances, such as a combination of estate taxes, top income tax brackets, and missed withdrawal deadlines. Avoiding these pitfalls means knowing the rules and planning in advance.
 
Select a beneficiary -- If no one is named, the assets could end up in probate, and beneficiaries could be taking distributions faster than they expected.

More on 'Shielding Retirement Assets from Taxes' here. 
The_MarketsMarket Commentary   
Federal Reserve Finally Tighten Monetary Policy    
 
After a level of hype that would have exhausted even the most dedicated Star Wars fans, the Federal Reserve finally began to tighten monetary Federal Reserve Finally Tighten Monetary Policy policy last week, raising the funds rate from 0.25 percent to 0.50 percent.
Although financial markets appeared sanguine when the rate hike was announced, the calm dissipated quickly.
 
The Standard & Poor's 500, Dow Jones Industrial, and NASDAQ indices finished the week lower. International markets fared better. Most finished the week higher.


 By_the_NumbersBy the Numbers 
By the numbers 12-18-15
Notes: S&P 500, Gold, DJ-UBS Commodity Index returns exclude reinvested dividends (gold does not pay a dividend) and the three-, five-, and 10-year returns are annualized ... more important disclosure mentions found here.  (We urge you to read the entire disclosure statement.)
Tune into WBZ 1030 AM radio weekdays at 9:25am and Fridays at 5:25pm. You can also catch my comments at WBZ Online

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Dave Caruso, CFP®
Coastal Capital Group
  
email:dave.caruso@CCGWealth.com
phone:1-978-777-3116
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The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. 

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