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Fifty-four percent of American workers have saved less than $25,000 for retirement, and 43% have saved less than $10,000.1
Source: 1) Employee Benefit Research Institute, 2010
Will you outlive your retirement income? How much liability insurance should you have? Should you add stocks to your portfolio? Are your financial expectations for the coming year realistic?
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110 Lomond Court
Utica, NY 13502
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Phone:
315.724.5105
877.724.5105
Fax: 315.724.5196
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Securities offered through Royal Alliance Associates, Inc. member FINRA/SIPC.www.finra.org
DISCLOSURES
Gregory B. McLean, Ernest R. Caruso, Stephen L. Caruso and Mark Steckler are Registered Representatives of and offer securities products & services through Royal Alliance Associates, Inc. Member FINRA/SIPC, a registered broker dealer. In this regard, this communication is strictly intended for individuals residing in the states of Arizona, Connecticut, Florida, Georgia, Indiana, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, and Virginia. No offers may be made or accepted from any resident outside the specific states referenced. Gregory B. McLean, Ernest R. Caruso, and Stephen L. Caruso are also separately registered as investment adviser representatives under Caruso McLean & Co., Inc., a registered investment advisor, offering advisory services in the state of New York. As such, these services are strictly intended for individuals residing in New York. IMPORTANT CONSUMER INFORMATION: For information concerning the licensing status or disciplinary history of a broker-dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator. HYPERLINK DISCLAIMER: You are now leaving the website of Caruso McLean & Co., Inc. and you assume total responsibility for your use of the sites you are linking to. The views expressed are not necessarily the opinion of Royal Alliance Associates Inc, and should not be construed directly or indirectly, as an offer to buy or sell any securities mentioned herein. Individual circumstances vary. All Investing involves risk including the potential loss of principal. No investment strategy such as asset allocation can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice. Periodic investment plans such as dollar cost averaging do not assure a profit or protect against a loss in declining markets. Such plans involve continuous investment in securities regardless of fluctuating price levels. Investors should consider their financial ability to continue purchases through periods of low price levels. Indexes cannot be invested in directly, are unmanaged and do not incur management fees, costs and expenses Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors. Securities sold or redeemed prior to maturity may be subject to a substantial gain or loss. In general, the bond market is volatile as prices rise when interest rates fall and vice versa. Vehicles that invest in lower-rated debt securities (commonly referred to as junk bonds) involve additional risks because of the lower credit quality of the securities in the portfolio. The investor should be aware of the possible higher level of volatility, and increased risk of default. International investing involves special risks not present with U.S. investments due to factors such as increased volatility, currency fluctuation, and differences in auditing and other financial standards. These risks can be accentuated in emerging markets.
This communication is intended for individuals residing in the states of AZ, CA, CO, CT, DC, FL, GA, MA, MD, NC, NH, NJ, NV, NY, OH, OR, PA, RI, SC, TX, VA, VT . No offers may be made or accepted from any resident outside the specific state(s) referenced. Investments in securities involve risk, including the potential loss of principal invested.
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