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InThisIssueIN THIS ISSUE 
February 10, 2016 
Before_The_BellWBZ1030 with Dave
Before the Bell
with Dave Caruso
Financial updates and news for investors from Dave Caruso, ahead of Wall Street's opening bell.
 WBZ1030 Weekday Morning Radio Show 9:25am and Friday evening at 5:25pm 

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First_articleFive Things to Do Before Meeting With an Advisor

There Americans' financial lives are increasingly complex. It's not unusual to have checking and savings accounts, a 401(k), IRAs, and other financial advisor meeting personal investments. Keeping track of all your savings and investments has prompted many individuals to seek guidance. If you are part of this growing majority, you may have already scheduled a meeting with an advisor. To make the most of your time together, keep this premeeting checklist in mind:
  1. Do some research. Entire sections of bookstores are dedicated to personal finance and investing topics. Read a book or magazine to get familiar with planning strategies and terms.
More on 'Meeting With an Advisor'
The_MarketsThe Markets
There was bad news and good news in last Friday's unemployment report.

In the negative column, fewer jobs were created in the United States than Ynemployed employed economists had predicted, and January's jobs gains were not as strong as December's had been. In addition, the December jobs increase was revised downward from 292,000 to 252,000, according to Barron's.
 
On the positive side of the ledger, more than 150,000 new jobs were added in January. The unemployment rate fell below 5 percent for the first time since February of 2008 and earnings increased.

More on 'Market Commentary' here.
 By_the_NumbersBy the Numbers 
By the numbers 2-5-16
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
  
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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