Financial Planning & Retirement

Don’t Just Think AboutRetirement – Plan For It

Working After Retirement

MeetYour Financial Team

How your Credit Score Drivesyour Auto Insurance Rates

PAGE 2 SUNDAY, JUNE 19, 2011

A time to relax and

do all the things you’d

like to do. �e last

thing you want to do

is worry about how to

a�ord the lifestyle

you’re ready to live.

Retirement is supposed to be your golden years.

Eastman Palmer & DavisWealth Management Group

www.eastman-palmer-davis.com

(910) 246-5352 | (866) 431-1089125 Fox Hollow Road, Suite 104Pinehurst, North Carolina 28374

Investment Services Since 1890Stifel, Nicolaus & Company, Incorporated | Member SIPC and NYSE

Bill Eastman, CFP®Senior Vice President/Investments

Co-Branch Manager

Rick PalmerSenior Vice President/Investments

Co-Branch Manager

Chuck DavisFinancial Advisor

John MorningstarFinancial Advisor

Just a generation ago, planning forretirement was simple. By addingtogether company pensions and SocialSecurity benefits, most employeescould figure out how and whenthey could retire comfortably.Today, retirement planning is more

complex. It’s also more challenging.For example, we are all keenly aware ofthe well-documented shortfalls inSocial Security and the disappearanceof company pensions. As we look for-ward to retirement, we must also con-sider longer life expectancies and arising cost of living.For these and other reasons, many of

us are compelled to assumemore andmore responsibility when it comes toensuring our own retirement goals. Formany of us, retirement stands as one ofour most important financial objectives.So whether you’re nearing retirement

or simply planning ahead, you’ve prob-ably asked yourself the same questionthat so many other individuals haveasked themselves: “Am I savingenough to enjoy my retirement years?”By planning now and planning

wisely, you can take the steps necessaryto finance your retirement. The follow-ing six-step process can help you planfor a secure, comfortable retirement.

1. Determine Your RetirementNeeds and Goals.Whether it’s financial security or real-

izing lifelong dreams, attaining yourretirement objectives requires a bit offoresight. Perhaps you hope to travel.On the other hand, perhaps you’rehappy to stay at home, spending timewith family and friends. Depending onyour plans, your financial needs couldrange from 70 to 100 percent of yourcurrent income to support yourlifestyle.

Don’t Just ThinkAbout Retirement —

PLAN FOR IT

The PilotP.O. Box 58,

145 W. Pennsylvania AvenueSouthern Pines, NC 28388

Copyright 2011 CONTINUED ON PAGE 4

Don’t Just Think AboutRetirement – Plan For It ......................2

Financial Literacy Lessons:A Family Affair .....................................6

How to avoid commonInvestment Traps .................................7

Working After Retirement....................8

Credit Care Game Plan Offers Route tobetter Finances for Gen Y..................10

Interesting Financial Facts & Figures ....11

Meet Your Financial Team .................12

Questions toAsk a Financial Planner ....14

How your Credit Score Drivesyour Auto Insurance Rates................16

Savings Bonds are a SafeInvestment Choice.............................18

Life Insurance: Possibilities inA New Complex World .......................19

Baby Boomers Should Plan Ahead........21

Investment and Retirment Glossary ........22

This themed section ofThe Pilot is printed annually.For advertising rates, callPerry Loflin (910) 693-2514

or e-mail: [email protected] provided

byMetro Services,ARAContent,NewsUSA, ineedagreatstory.com

Bill Eastman - Stifel, Nicolaus&Company, Inc.

Make sure you have all the answersyou need to preserve and

grow your retirement savings.

Our FREE CD, “5 Ways To Protect Your Retirement”,answers these questions:

• WHAT IS THE BESTWAY TO PLAN & MANAGE MY RETIREMENT IN TODAY’S ECONOMY?• HOW CAN I REDUCE MY SOCIAL SECURITY TAXES?• CAN I PROTECT MY ESTATE FROM A NURSING HOME TAKEOVER?• HOW CAN I PASS MONEY TO MY FAMILY WITHOUT THE IRS TAKING MOST OF IT?• WHO WILL TAKE CARE OF THE MONEY I WANT TO SEE GO TO MY HEIRS?

At JG Financial Consulting of Aberdeen, we’ve been helping seniorspreserve, protect and grow their retirement incomes for 27 years.

Get your FREE CD Today

Call Jeff Gollehon150 Magnolia Square Court • Aberdeen, NC 28315

(910) 944-0575

PAGE 4 THE PILOT — SOUTHERN PINES, N.C. SUNDAY, JUNE 19, 2011

2. Choose the Right Time to Retire.While most of us hope to retire early,many of us set unrealistic goals. To ade-quately finance your retirement, youmay need to work longer than youwould like. Your needs and goals willdetermine how long you mustwork to finance your retirement. If youhope to retire at age 50, for example,you might forgo the purchase of asecond home. If you retire at 60, thatsecond homemight be included in yourretirement goals.

3. Estimate Your CurrentRetirement Benefits.By analyzing your current retirementbenefits, you can estimate howmuchincome you will receive from Social Se-curity and company pension plans.Such income will help offset theamount of money you need to save forretirement. Of course, you should makesure your estimates are reasonable and

not based simply on current benefitlevels.

4. Review Your CurrentRetirement Savings.Preparing a net worth statement canhelp you adequately assess howmuchyou’ve already saved for retirement.

Such a statement is simply a listing ofwhat you own (assets) and what youowe (liabilities), with the difference rep-resenting your net worth. Preparingsuch statements on an annual basis willhelp you evaluate the progress you’remaking toward long-term goals. Also,when reviewing your retirement sav-

ings, you should review your otherfinancial needs for the future.

5. Develop Your RetirementSavings Plan.To develop a plan, start by estimatinghowmuch the retirement lifestyle youenvision would cost today. Now, adjustthese amounts for inflation. This shouldgive you an idea of your total capitalneeds at retirement. Next, determinehowmuch you need to save on amonthly, quarterly, or annual basis.

6. Review Your Retirement Plan.By reviewing your retirement planannually, you can evaluate your progress.This process alsowill allow you tomakeany needed changes to your plan.

Submitted by Bill Eastman, CFP©, Senior VicePresident/Investments and Co-Branch Manager atStifel, Nicolaus & Company, Incorporated, a memberof the Securities Investor Protection Corporation(SIPC) and the New York Stock Exchange, Inc.He can be reached by calling (910) 246-5352, or viae-mail at [email protected].

CONTINUED FROM PAGE 2

SEARSTONE 106 WALKER STONE DRIVE CARY, NC 27513 888-734-4581

WWW.SEARSTONE.COM

Six quick questions on

your happiness, your

health and your future.

Do you prefer:__ Long, leisurely strolls along scenic pathways

__ A short walk to everything you need, from dining to fitness to shopping

What’s your idea of the perfect home?

__ A beautiful apartment with a spectacular choice of finishes

__ A luxury estate home with attached garage

What kind of dining do you prefer?

__ Fine dining in an elegant setting

__ Casual fare with a lakeside panorama__ Grab-and-go bistro-style menus

__ All of the above

Which chores would you like to give up?

__ House cleaning

__ Home repairs

__ Yard work

__ Paying property taxes

What’s your favorite way to spend free time?

__ Golf

__ Swimming

__ Yoga/Aerobics

__ Cultural events and trips

__ Creative arts in a fully equipped studio

What worry would you rather leave behind?

__ The rising cost of long-term care

__ Being separated from my partner

in a health crisis

__ Spending down assets that

should go to my estate

If you’ve answered any of these questions, here’s great news: SearStone is the answer,

and we’re breaking ground soon! This new vision of retirement living will set a whole

new standard, from living options to health care.

The closer you look at SearStone, the more possibilities you see!

1.

2.

3.

4.

5.

6.

RIGHT NOW,you can still take

advantage ofpreconstructionincentives! CALL888-734-4581

for details!

Studies have shown that parentshave the greatest influence on theirchildren’s financial habits, and now,more than ever, mothers and fathersare taking the primary role in edu-cating kids about healthy moneymanagement.“Most financial experts agree there

is a need for financial discussionsamong families to avoid or softenpotential future economic up-heavals,” says Suzanne Poole, execu-tive vice president, retail salesstrategy, TD Bank. “According to arecent financial literacy poll by TDBank, only 50 percent of families re-port having weekly conversationswith their children, even thoughthere are easy ways toincorporate tips about money ineveryday conversation.”TD Bank surveyed 1,637 con-

sumers within the Northeast as well

as in Florida andWashington, D.C.With a little morethan half of fami-lies having weeklyconversationswith their childrenabout money mat-ters, it’s importantto keep it simple,be honest, andmake it fun. Now,let the lessonsbegin:

Be Open: Accord-ing to the survey,a majority of par-ents agree thathonesty is the best policy when talk-ing to children about household fi-nances. Perhaps as a result of therecent economic struggles, the sur-

vey found that 55percent of familiessay they are talk-ing with their chil-dren more oftenabout money.

Set Savings Goals:TD Bank’s surveyshowed that teach-ing children tosave with a piggybank is one of themost popularmoney-relatedactivities. Thatbeing said, onlyone in threeparents reports

setting a savings goal. If your childis saving, help them set goalsand define the steps needed toreach them.

Establish a Family Budget: Despitethe evidence that better budgeting canlead to saving, the survey shows that47 percent of families are still not fol-lowing or creating a monthly budget.Financial websites, such as Mint.com,offer free programs and budget tem-plates to develop afinancially fit family budget.

Enroll in Financial Literacy Programs:Financial literacy can be a dauntingtask for parents, but there are educa-tional tools and programs that canhelp with this process. For example,TD Bank offers an interactive financialliteracy program for grades K-12called “WOW!Zone.” It is availableonline for free atwww.tdbank.com/wowzone andoffers advice and resources for parentsto teach children and teens aboutmoney, savings and banking.


FINANCIAL LITERACY LESSONS: A Family Affair

SUNDAY, JUNE 19, 2011 THE PILOT — SOUTHERN PINES, N.C. PAGE 7

KingswoodNursing Center

915 Pee Dee Road • Aberdeen, NC 28315910-944-8999

Rehabilitation/Short Term RehabSkilled Nursing • Dementia Care

Assisted Living

Autumn CareAUNIQUE BLEND OF NURSING AND

REHABILITATIONWE ENCOURAGE YOU TO STOP IN AND TOUR OUR FACILITY TO SEE

WHAT WE MEAN BY “THE AUTUMN DIFFERENCE.”• Short Term Rehabilitation, Long Term Medical Management and Respite Care• In house rehab team consisting of Physical, Occupational and Speech Therapies

• In house Laboratory, X-Ray and Pharmacy Services • Medicare and Medicaid Certified, HospiceContract, Private Insurance • Medical Director, 24 Hour Physician Coverage, 24 Hour LicensedCertified Staff • Individualized Care Program, Restorative Programs, Specialized Nutritional Pro-grams • Pain Management, Complex IV Therapy, Tracheostomy Care, Enteral Feeding, Wound

Care Management • Facility Transportation for outside appointments

OF BISCOE

401LAMBERTROADPOBOX708

BISCOE,NC27209PHONE: (910) 428-2117FAX: (910) 428-1165

[email protected]

When it comes to investing, manypeople approach their initial foraywith a degree of trepidation. Much ofthat is due to the nature of investing,which involves a leap of faith even forthe most conservative investments.The economic downturn that begannear the end of the first decade of the21st century has only added to thefears associated with investing. Whileinvesting is a risk, it’s also a necessarystep for men and women hoping to se-cure their financial futures. Whetheran investment portfolio consists of justa 401(k) or an IRA, men and womenwho hope to retire need to find a wayto balance their fear of investing withtheir desire to retire comfortably.Many of those fears can be counteredby watching out for some of thesecommon investment traps.

* Environmental investments. The“go green” movement has opened thedoor for scores of investment traps

that prey on aninvestor’s de-sire to in-vest inwaysthat willimprovetheir bottom lineand the environmentat the same time. Suchtraps are especially prevalentin the aftermath of environmen-tal disasters like oil spills. Investorsshould be wary of e-mail or telemar-keting campaigns that promise in-vestors they have the products neededto fix disasters, whether it’s an oil spillor a hurricane. Whenever investing ingreen technologies, investors shoulddo extensive research before agreeingto invest.

* “Hot tips.” Nearly every investorhas been offered a “hot tip” at onepoint or another. Novice and even vet-

eran investorsshould beespe-ciallywary of

such tips,which areoften un-founded and

could cost in-vestors substantial

amounts of money inthe long run.

* Special deals. Some private dealsare legitimate, though investors, par-ticularly beginners, must be especiallywary of “special” investment dealsthat often prey on unsuspecting in-vestors. Typically framed as a chanceto get in on the ground floor and in-vest in a business that’s trying to raisecapital, these “special” deals are oftenfraudulent and investors could lose alot of money.

* Beware of online sales pitches.Social media has made it easier thanever before for con artists to victimizeunsuspecting investors. This invest-ment trap often boasts high-yield re-turns and might even suggest thesereturns are tax-free. Any investmentthat guarantees either of these thingsis too good to be true, and beginninginvestors should avoid them.

* Gold scams. Though some investorsembraced gold as an investment op-portunity during the economic down-turn, beginners should be wary ofinvestment pitches that offer to buygold for investors and then sell it oncethe value of gold has risen. The NorthAmerican Securities AdministratorsAssociation warns that in many ofthese instances the gold does not exist.Investors who want to invest in goldshould instead consider a gold fund.

How to avoid common IINNVVEESSTTMMEENNTT TTRRAAPPSS


At our firm, we work for you - analyzing your needs and wants, formulating a

financial strategy that is both attainable and comfortable. Working together

we can help you use your resources to help create a brighter financial future.

WHAT ARE YOUR GOALS AND DREAMS?

Securities and Advisory Services offered through Private Client Services LLC, 2225 Lexington Rd, Louisville, KY 40206 Ph 502-451-0600. Member FINRA,SIPC and Registered Investment Adviser. Private Client Services LLC and Retirement and Estate Planning Services are unaffiliated entities

Call us today about your financial futureVisit our website at www.plan4retire.com

RETIREMENT&ESTATE PLANNING SERVICES, INC.Roy Neal, Financial Advisor45 Dowd Circle, Suite A • Pinehurst, NC 28374

Office 910.295.7088 • Cell Phone 910.585.0115

There’s no longer a magic numberfor retirement. Some people find thatthey want to work past the traditionalretirement age, while others discoverthey need to. In addition, some re-tirees discover that they actually likedworking and want to return to workrather than settle into retirement.Sixty-five is no longer the requiredage to stop working. In fact, manypeople are foregoing retirement andstaying with the workforce. Why? Nosingle reason applies to everyone, butfinances often come into play.Thanks to a troubled economy that

has carried over into the workplace,

pensions and severance packages areno longer the norm for retiring work-ers. When faced with the prospect ofreduced funds and dwindling SocialSecurity benefits, many choose to sim-ply keep on working. Furthermore,individuals who retire before 65 areoften faced with finding their ownhealth insurance plans becauseMedicare doesn’t start until age 65.Even still, high prescription costs forchronic conditions can exceed the al-lowance of Medicare. Employee insur-ance plans tend to have better options,and that often factors into an em-ployee’s retirement decision.

There are many people who con-tinue working because they actuallyenjoy it, and not because of some fi-nancial necessity.Working tends to keep the mind

sharp and helps seniors feel like con-tributing members of society. Accord-ing to a study conducted by the

CONTINUED ON PAGE 9

Working AfterRetirement

©2011Prudential Financial, Inc. and its related entities. An independently owned andoperated brokermember of Prudential Real Estate Affiliates, Inc., a Prudential Financial company. Prudential, thePrudential logo and theRock symbol are servicemarks of Prudential Financial, Inc. and its related entities, registered inmany jurisdictionsworldwide. Used under license. Equal HousingOpportunity.

Visit us: www.prudentialpinehurst.com

When: Tuesday, June 28, 2011, at 9:30 a.m.Location: The Prudential Gouger O’Neal & Saunders Conference

Room at 105 W. Illinois Avenue (Corner of Illinois& Broad St) in Southern Pines.

RSVP: Reservations are required to insure seating.Please call us at 692-2635.

Prudential Gouger O’Neal & Saunders knows that decisions involving selling your home aredifficult. And, if you haven’t been in the real estate market in the last ten years, the many changes which have occurred,especially thoseaffecting thewayyouplan for your futureproperty sale,maybeperplexing.OurSeminar “SellingYourHomein a Tough Market” will help you assess your home by understanding the factors affecting its value. We lookforward to seeing you at our seminar…and, along with your coffee, you’ll get a lot of “food for thought!”

Sincerely,

Kay E. Beran

You are cordially invited to attend a very informative seminar, especially createdto help you value and protect your greatest asset – your home.

Please join me for a cup of coffee! An invitation especially for seniors homeowners

RReettiirree HHeerree,,LLiivvee HHeerree,,RReellaaxx HHeerree

51/2 Miles From the Pinehurst Traffic CircleOn Hwy 211 West | 910-295-2541

www.PinehurstPatio.comwww.facebook.com/pinehurstpatio

Specializing in

casual furnishings for

every room of your home –

both indoor and out!

American Psychiatric Association, re-tirees who continued to work in abridge job (meaning part time or tem-porary employment) experiencedfewer major diseases and fewer func-tional limitations than those who fullyretired. Researchers considered onlyphysician-diagnosed health problems,such as high blood pressure, diabetes,cancer, lung disease, heart disease,stroke and psychiatric problems.Those thinking of remaining in thework force can check with employersto see if retirement is mandatory orvoluntary. Seniors re-entering theworkforce may want to brush up onsome skills and reconnect with formeremployers or colleagues to make thetransition easier. Here are some otherstrategies to consider.

Refurbish your resume.Focus on what things you can dorather than what you did in the past.You may be up against younger appli-

cants and will have to make a case foryour hire.

Be flexible.You may need health benefits moreso than a high salary. You can workwith an employer to develop acompensation package that is mutu-ally beneficial.

Develop computer skills.Today’s work environment reliesheavily on computer skills. It isunwise for you to think you’ll get byon experience alone. Obtain arudimentary education in computerusage and common office programs,which can set you apart from otherolder applicants.

Know there’s nothing to prove.Retirees have the benefit of takingtheir time and finding the right fit in apost-retirement job. Unless money isan issue, shop around until you findthe job that appeals to you, even if it’spart-time or for a lower salary.


SUNDAY, JUNE 19, 2011 PAGE 9

One Slip…and you’re out!

Retrofitting a bathroom to besafe has never been easier!

Our multi-piece showers and walk-in tubseasily fit into an existing tub shower space.Safe Bathing for people of all abilities since 1971

RENAISSANCEWalk-In Tubs & Showers

105 Parkway Drive, Suite DAberdeen, NC 28315 • 910-944-1022

www.best-bath.com

America’s Gen Y – 87 million peopleage 18 to 34 – are stressed out over fi-nances, according to Western UnionPayments MoneyMindset Index sur-vey. The survey reports that half ofGen Y respondents feel increasedstress about financial obligations; 40percent say their financial situation

has worsened in the last six months.However, the survey, conductedquarterly by Javelin Strategy &Research, also has good news.“In spite of the difficult economy,Gen Y is engaging in smart financialbehavior to help build their better fu-ture,” says David Shapiro, senior vicepresident, Western Union. “Thissurvey shows Gen Y using tools suchas online banking and online bill payto manage their budget and creditstanding.” Here are some tips toget you started:

Credit and Debt Game Plan:

1. Establish the Base. Open a bank ac-count, and start saving and payingdown debt: online banking, online billpayment, automatic deduction andmobile banking are helpful tools.

2. Establish a Budget. Check out on-

line budget management tools to getyour budget started. Also check theapplications available for smartphones.

3. Establish Credit.Approximately 30percent of your credit score is basedon bill payment history. Look into

scheduling automatic paymentsthrough your banks or biller.

4. Establish Credit – Part II. Even ifit’s just one bill payment, establishcredit in your name.

5. Check Your Credit Scores. Knowhow to obtain your credit scores andread them. Forty percent of GenY-ershave not seen their credit scores in thepast year, and 44 percent have neverseen them. Check sources such asannualcreditreport.com andmyfico.comfor how-to’s.

6. Set up an Emergency Fund. Setup an automatic rainy-day savings plannow.

7. Work It Both Ways.Understand thereare two paths to financial success. Makemoremoney and save it. Or spend lessmoney and save it. Or do both.

CREDIT CARE GAME PLANOffers Route to Better Finances for Gen Y


The general public often gets conflict-ing information about the state of theeconomy. Some news reports saythat people are doingwell,while others say the col-lective public is barelyscraping by. Thoughit might seem im-possible to get astraight answer onthe economy, thereare certain trendsthat may be indica-tive of how thecountry is faring inthesetrying times. The follow-ing are somefinancial statistics that may reveal howhealthy or unhealthy the economy is.

* Six in 10 homeowners wish they un-derstood the terms and details of their

mortgage better. (FreddieMac/Roperpoll of 2,031 U.S. homeowners, con-

ducted 2005.)

* 43 percent ofAmericanhouseholds spendmore than they earneach year. (Home-ownership Preser-vation Foundationdata of 60,000homeowners.)

* 52 percent of em-ployees live paycheck

to paycheck. (MetLifeStudy of Employee Benefit

Trends: Findings from the2003 National Survey of Employers andEmployees, November 2003.)

* 46 percent ofAmerican householdshave less than $5,000 in liquid assets, in-

cluding IRAs.Most cannot supportdaily living for threemonths with theseassets. (Asena Caner and EdwardN.Wolff, “Asset Poverty in the UnitedStates: Its Persistence in an Expansion-ary Economy,” Levy Economics Insti-tute of Bard College, 2004.)

* More than 6 in 10 homeownersdelinquent in their mortgage paymentsare not aware of services that mortgagelenders can offer to individuals havingtrouble with their mortgage. (FreddieMac/Roper poll of 2,031 U.S.homeowners, conducted 2005.)


Mike Bernard* FIC, CFFM125 West Plaza DriveWest End, NC [email protected]

Touching lives with morethan �nancial services

modern-woodmen.org

Life insurance, annuities and investments* for your financial future.

Fraternal benefits for your family and community.

2008 Modern Woodmen of America. *Registered representative. Securities o�ered through . MWA Financial Services Inc., a wholly owned subsidiary of Modern Woodmen of America. Member: FINRA, SIPC.

PPrrooggrreessss EEnneerrggyy iiss ooffffeerriinngg $$4455,, uupp ttoo $$9900ffoorr aa YYeeaarrllyy CChheecckk uupp.. OOnnee ttiimmee rreebbaattee..

$$330000 RReebbaattee oonn 1155..55 SS..EE..EE..RR.. oorr hhiigghheerr iinnssttaallllaattiioonn..

994444--11994400116 W. MAIN ST. • ABERDEEN, NC 28315

License #17864

STANCIL & SON

HEATING & AIR, LLC

Life events can change your financial picture. You need an Advocate to help.

Traditional banking services are provided by Branch Banking and Trust Company, Member FDIC and Equal Housing Lender.

Investment solutions are provided by Sterling Capital Management, LLC, BB&T Investment Services, Inc., BB&T Insurance Services, Inc., and Scott & Stringfellow, LLC. Sterling Capital Management, LLC is a wholly owned registered Investment Advisor subsidiary of BB&T Corporation, BB&T Investment Services, Inc. is a wholly owned subsidiary of Branch Banking and Trust Company, Member FINRA, SIPC. Insurance products are provided by BB&T Insurance Services, Inc. a wholly owned subsidiary of Branch Banking and Trust Company. Scott & Stringfellow is a wholly-owned nonbank subsidiary of BB&T Corporation, member NYSE/FINRA/SIPC.

Securities, Insurance and Advisory Services are:

BB&T and its representatives do not offer tax advice. Consult with your individual tax professional concerning your personal situation. @2011 Branch Banking and Trust Company BBT.com

nats cneve efiLdn Ad aeeu noYYo

nanr fiuoe ygnahc.pleo he ttacov

.erutcil paic

ah Bcanry Bd bedivore prs aecivreg snikanl banoitidarT

l Matipag Cnilrety Sd bedivore prs anoitulot snemtsevnIsC iL, Ltnemegaanl Matipag Cnilret. SCL, LwollefgnirtS

h Bcanrf By oraidisbud senwy ollohs a w. icn, IsecivreSanh Bcanrf By oraidisbud senwy olloh. a wcn, IsecivreS

.CPIS/ARNIF/ESYr Nebme, mnoitaroproC

. Cecivdx aar tefft ooo ns devitatneserpes rtd iT an&BB@

dC anIDr Febme, Myanpmot Csurd Tg annikan l HauqE

T&B, B.cn, Isecivret SnemtsevnT I&B, BCL, LtnemegaanMyraidisbur sosivdt Anemtsevnd Ieretsiged renwy ollohs a w

anrusn. ICPI, SARNIr Febme, Myanpmot Csurd Tg annikan-yllohs a ww iollefgnirtt & Stoc. Syanpmot Csurd Tg annik

:ers aecivrey Srosivdd Ae ancanrusn, IseitiruceS

og yninrecnol canoisseforx pal taudividnr iuoh ytit wlusnoCmoc.TBy Banpmot Csurd Tg annikanh Bcanr1 B102@

.redneg Lnisuo

t &tocd S, an.cn, Isecivree ScanrusnItnemtsevnT I&B, BnoitaroproT C&Bf By o

ecanrusnT I&By Bd bedivore prs atcudore pcT&Bf By oraidisbuk sanbnod nenwo-

.noitautil sanosrer puo

Interest ing FINANCIAL FACTS & FIGURES


Personal finance can be a source ofstress, which is why a lot of folks liketo rely on a professional when itcomes to crunching numbers.Whether the goal is to dig out of

debt or to get ahead on retirementsavings – and stay there – turn tosomeone trained and qualified to offerprofessional guidance in matters ofsaving, investing and planning to geton the road to financial balance.

Read on to learn more about thepros to recruit for a top-notch

personal finance team.

FINANCIAL PLANNER/ADVISERFinancial planners help clients invest

and increase capital at an acceptablelevel of risk. “I look at my role asbeing the quarterback of the financialteam, bringing all the other financiallyrelated people who a client interactswith together,” says Paul Winter,president of Five Seasons FinancialPlanning in Salt Lake City.

CONTINUED ON PAGE 13

FINANCIALTEAM

Meet Your

By Taniesha Robinson - CTW Features

To do this, planners attempt to ob-tain a comprehensive look at clients’entire financial situation – bank

accounts, brokerage accounts, retire-ment accounts and other investments.Winter refers to himself as “a conduitof information” and formulates plansfor his clients based on the informa-tion he collects regarding the client’sassets and goals. Interview a fewplanners before committing to one,and be sure to find out if the planner’sservices are commission-based orfee-based.

STOCK BROKERAbroker isn’t just the person that car-

ries out desired investment transac-tions. According to the FinancialIndustry RegulatoryAuthority, a bro-ker’s role is legally defined as a personor company that buys and sells stocks,bonds, mutual funds and other securi-ties on behalf of customers and/or forits own account. Brokerage firms fallinto two categories: discount and full-service. Transaction services from dis-count brokers are usually cheaper butcome with little advice. For investmentcounsel, investors can employ a full-service broker. To learn more abouthow to find a qualified broker go towww.finra.org and click on “Investors.”Use the FINRABrokerCheck tool totrack down background information onbrokers.

INSURANCE AGENTLicensed insurance agents are essen-

tially salespeople who provide clientswith life, health or property insurancepolicies. FINRAoutlines two categoriesfor agents: an independent insuranceagent who may represent multiplecompanies to find the best coverage foran individual client; and a “captive”agent who only recommends policiesfrom one company. Agents are licensedby the state. Find financial and discipli-nary information on insurancecompanies nationwide on theNational Association of Insurance

Commissioners website, www.naic.org.

CERTIFIED PUBLIC ACCOUNTANTThose who are self-employed or sim-

ply have complex tax situations shouldconsider employing the expertise of aCPA. CPAs undergo rigorous certifica-tion and licensing procedures in moststates. As a result, they can handle thenuances of self-employment and canalso provide some financial planningadvice. Their services can be expensive.A cheaper option may be an enrolledagent, says Lauren Lyons Cole, finan-cial planner in residence at Learn-Vest.com, a personal financewebsite.Estate LawyerShockingly, sim-ply signing away worldly possessionson a cocktail napkin doesn’t passmuster for a will. That’s where a lawyerschooled in estate planning comes in.This specialized attorney will draftproper wills, living wills and trusts,which dictate how property and assetswill be distributed upon death or in theevent one becomes incapacitated. Themore complex familial circumstancesare – multiple marriages or children, forexample – the more critical it is to haveplans in place.Personal BankerThefriendly faces at the bank are not justthere to transact deposits and with-drawals all day. Personal bankers canreview accounts to determine eligibilityfor a higher-yielding account and ifthere are new credit or debit cardsavailable that offer better rates or re-wards. They will also field questions re-garding mortgages or car loans and canput individuals in touch with the ap-propriate loan officer.At-Work HumanResources ProfessionalLyons Cole saysthat HRmanagers are some of the mostunderutilized financial resources. Theyknow the details about the company’sinsurance policies and 401(k) or otherretirement programs sponsored by thecompany.”That’s really their job, to pro-vide for their employee in many finan-cial spheres so employees can go towork, be productive and not have toworry about benefits,” Winter says.

For a list of questions to ask yourfinancial advisor see page 14.


SUNDAY, JUNE 19, 2011 PAGE 13

Questions to Ask aFinancial Planner

Thereʼs no substitute for a face-to-face chat to decideif a professional financial planner is right for you.

Among the questions you should ask:

What is your area of expertise?What is your educational background?What financial planning credentials have you earned?What further education in financial planningdo you plan to pursue?Are you a member of any professionalfinancial planning association?How long have you been offering financialplanning services?Will you provide references?Have you ever been cited by a professional orregulatory governing body for disciplinary reasons?In the last year, how many clients have stoppedusing your services? Why?Do you do the work or will I be turned over to anotheremployee in your firm?How are fees calculated?What is your approach to saving and investing?Will you provide an individualized financial plan? Can I lookat a recent example of a plan prepared for someone insimilar financial circumstances?What kinds of communications can I expect from you onan ongoing basis (account statements, newsletters, etc.)?How often will you review my portfolio?

How are you compensated for the services you provide?On average, how much can I expect to pay for yourservice? What do I receive in return for that fee?What, if anything, do you expect of me duringour relationship?


Ameriprise Financial welcomes clients of diverse religions and cultural backgrounds and provides investment advisory services without any regard to any religious af�liations.

Brokerage, investment and �nancial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients. Ameriprise Financial cannot guarantee future �nancial results.

© 2011 Ameriprise Financial, Inc. All rights reserved.

®

Call us today at (910) 692.5917

101 Bradford Village CourtSouthern Pines, NC 28387

(910) 692.5917

[email protected]@ampf.com

ameripriseadvisors.com/theodore.2.hicks


When the market fluctuates, a diversified* portfolio may help smooth outthe effects that can impact differing investment classes. By developing

customized solutions that address your needs and concerns, we can helpbalance the risks of investing through asset allocation. Please call us today

for a no-obligation consultation.

BALANCE HAS ITSBENEFITSMANAGE YOUR INVESTMENTRISKS THROUGH DIVERSIFICATION

* Diversification does not ensure a profit or protect against loss

You know that where you live, whatyou drive and how you drive can af-fect how much you pay for auto insur-ance. But did you know that yourcredit score can also influence howmuch your insurance companycharges you for coverage?

Most vehicle insurers now use yourcredit score as one of many factorswhen determining your level of risk,and how much to charge you for in-surance. Generally, the higher yourcredit score the more likely you are tobe eligible for an insurer’s best rates.

How your creditscore drives your auto

insurance rates

CONTINUED ON PAGE 17


Thinking of downsizing? Want help with the outsidemaintenance? You may want to take a look at Village in the Woods inSouthern Pines. Independent adult community with a homeowner'sassociation plan that covers outside maintenance of your home.

$169,900This home is in Seven Lakes South. A duplex townhome,the homeowner's association does most of the outside

maintenance here too, leaving plenty of time for golf, tennis,or whatever your retirement interests may be.

Join us on Sunday, June 26for Open House

at these three homes in Village in theWoods

Call Peggy Floyd---910-639-1197

years of experience helping retirees find the right home

$208,000 $170,000 $145,000

If your credit score is low, you could get auto insurance quotesthat are thousands of dollars higher than those given to con-sumers with high credit scores.While some consumer advocacy groups object to the practice,

insurance companies say research supports the use of creditscores as a predictor of potential risk. The practice is rooted inthe idea that people who manage personal finances responsiblyare more likely to be responsible in other areas as well - includ-ing behind the wheel.If you plan to buy a car, apply for new insurance or just want

to lower your auto insurance rate, here are some things youshould know about vehicle insurance and credit scores:

* Most vehicle insurance companies do consider your creditscore when determining your auto insurance quote. Don’t for-get, however, that your credit score is just one factor; your driv-ing record, the type of vehicle you drive, where you live, howmany miles you drive each year, your gender and age, evenyour education level are all other factors that insurance compa-nies consider.

* A vehicle insurer looks at your credit score differently thanthe way a potential lender might. For example, an insurer islikely going to be more interested in how reliably you pay yourbills than in how many different types of credit are on yourcredit report. Insurance companies try to use your financialreliability and sensibility, as reflected in your credit score, to

predict how reliable and sensible you’re likely to be as a driverand vehicle owner.

* Your credit score is a fluid number that changes. When-ever a change occurs in your credit report, your score canchange - going up or down, depending upon the change andits impact on your finances. If your score has improved sig-nificantly since the last time you applied for auto insurance,it may be worth it to see if your improved score will qualifyyou for a better rate. The Motley Fool website recommendsyou check your credit score to see how it might be affectingyour auto insurance rates.

* Checking your credit score is fast and easy, thanks toonline resources like Freecreditscore.com. The website al-lows you to access a credit score when you enroll in creditmonitoring membership. While this score is not the specificscoring model an auto insurer may look at when reviewingyour policy application, it can help educate you about yourcredit standing. By monitoring your credit you’ll be able to seehow changes in your credit report can affect your score, andyou’ll receive credit score alerts whenever your score changes.

One of the main complaints consumer groups have madeabout the practice of using credit scores to set auto rates isthat credit reports may contain errors. By monitoring yourreport regularly, you can help ensure it remains error-free andthat your insurance company is looking at the most accuratepossible snapshot of your credit history.

If your creditscore is low,you could getauto insurancequotes that arethousands ofdollars higherthan thosegiven toconsumers withhigh creditscores.



The Country Bookshop

Financial Genius at Your FingertipsFind these great titles on planning your financial future and many more at The Country Bookshop!

Savings bonds are a government-issuedmeans of saving and investing that aregenerally secure and offer a decent rate of return. Depending on the bond pur-chased, maturity rate of the bond and the interest earned can vary.Series EE and I bonds for individuals are the onesmost commonly offered in theU.S. Series I bonds are also known as inflation-linked and are issued by the U.S.Treasury. Ibonds’ interest rates are protected against inflation because their interestrate adjusts with the rate of inflation. Series I bonds can be purchased in incrementsof $25.Series EE bonds are purchased at half of face value if paper certificates are bought,meaning a $100 bond is purchased for $50. Electronic Series EE bonds are bought atface value. There is amaximumpurchase of $5,000 for these bonds per social secu-rity number. Series EE bonds purchased afterMay 1, 2005 earn a fixed rate of return.Earlier EEbonds are based on 5-year Treasury security yields and earn a variablemarket-based rate of return. It can take up to 20 years for Series EE tomature. Thematurity is based on the issue date.

Bonds are considered very safe investments because they are backed by the govern-ment. They offer very little risk and are an ideal way for the conservative investor toearn some return on his or her investment. Bonds offer a small interest rate, whichinvestors often accept in return for the security of the investment.To purchase a bond, an individual can either go to a financial institution like abank or purchase them online electronically through the U.S. Treasury (www.Trea-suryDirect.gov). They can be redeemed in the same fashion. Individuals who re-deem bonds earlier thanmaturitymay have to pay an interest penalty.There aremany other bond series and specially issued bonds that can no longer bepurchased but may be in one’s possession. They can be cashed in or potentiallyturned into amore recent series of savings bond.Savings bonds can be good gifts for young children. They serve as a stable form ofsavings, and uponmaturity – and the child’s maturity – they can be cashed in to payfor schooling, a car or other items a young adult would desire.

Safe Investment ChoiceSAVINGS BONDS ARE A


At Wells Fargo Advisors, we’re committed to doing what’s right for our clients.In fact, according to an independent May 2009 report by Forrester Research,Inc., clients rated Wells Fargo Advisors (formerly Wachovia Securities) the#1 U.S. investment firm for doing what’s best for them. So when we say we putyou first, we mean it. With nearly 16,000 Financial Advisors and offices nearbyand nationwide, we’re with you when you need someone who has the expertiseto address today’s unique challenges.

Wachovia Securities is now Wells Fargo Advisors.

With youwhen !" $%&' %& %()*+!, $-! ."'+ !" /*,+'

“Customer Advocacy 2009: HowCustomers Rate U.S. Banks, Investment Firms, And Insurers,” Forrester Research, Inc.,May2009.Wachovia Securities ranked#1 inpercentageof customerswhoagreewith this statement: “My�nancial providerdoeswhat’s best forme, not just its bottom line.” Independent survey of 4,500 U.S. consumers. Of 11 U.S. investment�rms rated,Wachovia Securitieswas #1 in customer advocacy. The ratingsmay not be representative of any one client’sexperience, as they represent a sample of the �rm’s clients. Past performance is no guarantee of future results.

Wells Fargo Advisors - Pinehurst BranchFinancial Advisors110 Turnberry WayPinehurst, NC 28374910-692-3000 • 800-955-2528www.home.wellsfargoadvisors.com/001_so

NOT FDIC-INSURED NOBANKGUARANTEE MAY LOSE VALUE

WWhheenn wwee ssaayy wwee ppuutt oouurr ccll iieennttss ff iirrsstt ,, tthheeyy ccoouullddnn’’tt aaggrreeee mmoorree..TToo ssaayy wwee’’rree ccoommmmiitttteedd ttoo ppuuttttiinngg cclliieennttss’’ iinntteerreessttss ffiirrsstt iiss eeaassyy.. TToo hhaavvee yyoouurr cclliieennttss ssaayy iitt oonn yyoouurr bbeehhaallff iiss mmeeaanniinnggffuull.. AAnndd tthheeyy hhaavvee.. AAccccoorrddiinngg ttoo aa rreecceenntt nnaattiioonnaall,,iinnddeeppeennddeenntt rreeppoorrtt,, WWeellllss FFaarrggoo AAddvviissoorrss iiss aa lleeaaddeerr aammoonngg UU..SS.. iinnvveessttmmeenntt ffiirrmmss wwhheenn iitt ccoommeess ttoo ddooiinngg wwhhaatt’’ss bbeesstt ffoorr cclliieennttss..

““CCuussttoommeerr AAddvvooccaaccyy 22001111:: HHooww CCuussttoommeerrss RRaattee UU..SS.. BBaannkkss,, IInnvveessttmmeennttFFiirrmmss,, AAnndd IInnssuurreerrss,,”” FFoorrrreesstteerr RReesseeaarrcchh,, IInncc..,, MMaarrcchh,, 22001111..**WWeellllss FFaarrggoo AAddvviissoorrss wwaass aammoonngg tthhee lleeaaddeerrss iinn tteerrmmss ooff ppeerrcceennttaaggee ooff ccuussttoommeerrss wwhhoo aaggrreeee wwiitthh tthhiiss ssttaatteemmeenntt,, ““MMyyff iinnaanncciiaall pprroovviiddeerr ddooeess wwhhaatt’’ss bbeesstt ffoorr mmee,, nnoott jjuusstt ii ttss bboottttoomm lliinnee..”” FFoorrrreesstteerr RReesseeaarrcchh,, IInncc.. ssuurrvveeyyeedd 44,,996655 UU..SS.. CCoonnssuummeerrss ttoorraattee tthheeiirr bbaannkkss,, iinnvveessttmmeenntt ff iirrmmss aanndd iinnssuurraannccee ccoommppaanniieess oonn ccuussttoommeerr aaddvvooccaaccyy.. OOuutt ooff tthhee 1111 iinnvveessttmmeenntt ffiirrmmss rraatteedd iinntthhee ssuurrvveeyy,, WWeellllss FFaarrggoo AAddvviissoorrss wwaass aa lleeaaddeerr aammoonngg UU..SS.. iinnvveessttmmeenntt ffiirrmmss.. TThhee rraa ttiinnggss mmaayy nnoott bbee rreepprreesseennttaa ttiivvee ooff aannyy oonneecclliieenntt’’ss eexxppeerriieennccee aass tthhee rraatt iinngg rreepprreesseennttss aa ssaammppllee ooff tthhee ffiirrmm’’ss cclliieennttss aanndd ppaasstt ppeerrffoorrmmaannccee iiss nnoo gguuaarraanntteeee ooff ffuuttuurree rreessuullttss ..

Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company.©2010 Wells Fargo Advisors, LLC. All rights reserved. 0211-4469 [76765] A1445

According to a recent study pub-lished by the Life Insurance and Mar-ket ResearchAssociation, last year only44 percent of U.S. households had indi-vidual life insurance, and 30 percent ofU.S. households had no coverage at all.These statistics come at a time when

using life insurance for both its protec-tion benefit and as a way to build cashhas never made more sense. Once pil-lars of financial stability, home equity,defined benefit plans, 401(k) matchesand social security are now underthreat. Under these circumstances,funding a college education, launchinga new business or meeting an unex-pected health emergency are dauntingand cannot easily be resolved withmany of yesterday’s financial solu-tions.Apermanent life insurance policy

that is reviewed and updated on aregular basis protects more than justassets. It brings stability and can help

you take advantage of so many oflife’s possibilities.If you are thinking about buying life

insurance or increasing the amount ofcoverage you already have, here aresome common misperceptions youshould know:Life insurance is a death benefit only.

In addition to a death benefit, perma-nent life insurance offers cash valueaccumulation. This money can beused to cover all kinds of life expensesfor you and your family, or, smallbusiness.Buying term insurance with a mini-

mum amount of death benefit and put-ting the rest of your money in otherinvestments is the way to go. Whiledeath protection is important, perma-nent life insurance offers that protec-tion and cash accumulation, therebymeeting your needs as theyevolve throughout your lifetime.Life insurance matters only when

you have children. Life insurance canfulfill many different needs aside fromprotecting children. For instance, youcan access the cash value of a perma-nent policy to help grow a business orfund a favorite philanthropy.Life insurance is a monthly bill.

Premium payments on a permanentlife insurance policy are an investmentin your future. Apermanent policy islike paying yourself, as the policyaccumulates cash value over timethat can be used when andhowever needed.

Life Insurance: Possibilities in A New and Complex World


The senior population is growing byleaps and bounds.According to theUnited States Census Bureau, by 2011there will be twice the amount of seniorsthat there were in 2000. That’s becausethe first Baby Boomers will turn 65 thatyear. Boomers should start thinkingabout estate planning now if theyhaven’t already.

Estate planning is the process of dis-solving the items and property owned,as well as making end-of-life arrange-ments. Taking steps while one is physi-cally and mentally able ensures thatplans will be carried out as a person de-sired. It can also alleviate some of theburden on surviving family memberswhen the time comes.There are a number of things individu-als can keep in mind when planningtheir estates and making other

important decisions.

*An estate plan is important regardlessof personal wealth.Aperson with only$10 to his name can still draw up a plan.

* It’s never too soon to start estate plan-ning. While it’s hopeful to expect a longlife, sudden illness or other conditionsare impossible to predict. Taking thetime now to create an estate plan en-sures that desires will be met and familywill be left knowing how to carry out aperson’s wishes.

* Estate planning involves a number ofcomponents:- will- power of attorney/executor of estate- living will or healthcare proxy- trust

* A will is perhaps one of the mostimportant estate planning documentsto draw up. It wills where assets willgo and who will be in charge of fi-nancial and personal affairs when aperson dies. It is inexpensive to drawup a will (there are even legal forms aperson can purchase to do it oneself)even if an attorney is hired. At theleast, everyone should have a will.

* Compile a list of all personal assetsand account numbers. It will helpothers sort through personal effectswhen the time comes.

* Boomers should talk about theirplans. Inheritances and wills can betricky business and one that causesheated debate during a time of greatemotion. Talking about plans before-

hand allows surviving family andfriends to be aware of what liesahead.

* Consider reducing your estate.Individuals can give up to $13,000per year ($26,000 if gifting as a cou-ple). This can reduce the potential taxburden on a spouse or a family mem-ber if estate funds are given to themafter a person’s death. Unlimitedmedical and educational bills can bepaid if they are made payabledirectly to the institution where theexpense was incurred.

Baby Boomers in the prime of lifemay not want to think about estateplanning and end-of-life issues.However, it’s never too soon to set aplan in motion to protect loved ones.

Baby BoomersShould Plan Ahead


Celebrating 25 Yearsof Continuing Care in Pinehurst, NC.

Call Tiffany Abbey for an Informative Appointment and Tour Today

155 Blake Boulevard • Pinehurst, NCManaged byUnitedMethodist RetirementHomes, Inc. with support fromLife Care Services LLC

910-295-2294 Discover if the Quail HavenLifestyle Would Be a Fit For You!

Pinelake

Short Term RehabPhysical, Speech &Occupational Therapy,

Wound CareSkilled Nursing Care

Where caring comes to life801 Pinehurst Ave., Carthage, NC

Call us today For a Tour

(910) 947-5155

Financial jargon can make theprocess of getting one’s finances inorder and making smart economicdecisions a bit of a challenge. To theaverage person, figuring out terminol-ogy can be a stumbling block and ahassle some want to avoid.However, it’s important to knowsome of the lingo associated withfinancial planning to ensure moneyis being saved and spent in aresponsible way.

401(k): In the United States, aretirement plan where money isdiverted into an account and theninvested. Current income tax isdeferred until the money iswithdrawn upon maturity.

Amortization schedule:A comprehensive schedule ofpayments determining the breakdownof the mortgage amount, interest,

principle received, and balance duethrough each period of the loan untilthe loan balance reaches zero.

Annuity:A stream of fixed paymentsthat is generally paid as part of a lifeinsurance policy or retirement fund.

Appraisal:An estimated value ofproperty used most often in real estatetransactions.

Bankruptcy:A legally declared inabil-ity of an individual or organization topay their creditors.

Dividend:Aportion of a company’sprofit paid to common and preferredshareholders. The dividend is paid ina fixed amount for each share of stockheld, whether in cash or more stock.

Hedge fund: An aggressiveinvestment fund generally open to a

limited number of investors.

Interest: Fees paid on borrowedassets.

IRA: Individual Retirement Accountswere initially set up in 1974 to providea retirement option for individualswho were not covered by an em-ployer-sponsored plan. Eventually itwas opened up so anyone under theage of 70 could donate up to a certainamount of income a year.

Liquidity: The ability to turn assetsinto cash without losing a lot of value.

Longevity risk: The risk a pensionfund or life insurance company takeson when offering its plans, due to theincreasing life expectancy rate.

Pension: Adeferred compensationscenario by where an employer pays

an employee a portion of incomebased upon length of service and em-ployee age. Some pensions can be con-tributed to by the employee himself,with the employer matching the con-tribution.

Portfolio: Collection of stocks, bondsand money market instrumentsowned by an individual or company.

Prime Rate:A term applied in manycountries to a reference interest rateused by banks.

Principal: The original amount of debton which interest is calculated.

Rollover: This term is used for mov-ing a retirement plan into a differentone, generally when leaving a job.Usually there is a set time period inwhich the rollover must occur so thata penalty isn’t issued.

With our new Spring incentives, you’ll find Penick Village more welcoming than ever.

We have special pricing available on a variety of living accommodations. Here you’ll

be greeted by a neighborhood of caring residents and new friends, plus, a carefree

lifestyle, peace of mind, and lots of opportunities to pursue your interests. No wonder

so many residents choose to move to our continuing care retirement community.

To learn more about our incentives and living options, call (910) 692-0386

or (910) 692-0382 today. Visit us at www.penickvillage.org.

ASK US ABOUT OUR NEW INCENTIVES, AND ALL

OF THE WONDERFUL WAYS YOU CAN ENJOY THEM.

500 East Rhode Island Avenue | Southern Pines, NC 28387 PENICKV I L L AG E

St. Joseph of the Pinesis the leading provider of senior

living and healthcare serving theSandhills region since 1948.

www.sjp.org

Residents enjoy:

Excellent services and amenities

A secure environment

Extensive health care services

Peace of mind

Call us for lunch and a tour, arrange a confidential financial analysis, or to receive your free cost comparison kit.

9 1 0 . 2 4 6 . 1 0 0 8

Whether you embrace the timeless, classic style of Pine Knoll, or the gated, resort style of Belle Meade,you will find your future begins with St. Joseph of the Pines.

Explorecottage floor plans

ranging from1,200 - 1,551 square feet

There’s more than meets the eye...

Discover cottage living at Pine Knoll!

Offer ends in July - call today!

Belle Meade is offering HALF OFF

your monthly service fee for 2 yearsif single & NO second person

monthly service fee if a couple.

-Limited number available-

If you’ve ever thought of coming to Belle Meade...

Now is the time!

Call today and reserve your private tour of our spacious homes, quaint cottages and beautiful apartments.Discover all Belle Meade and Pine Knoll have to offer as two

Nationally Accredited Continuing Care Retirement Communities.

Ask about our No-Entry Fee Lease Program

Date post:	22-Mar-2016
Category:	Documents
Upload:	the-pilot-llc
View:	214 times
Download:	2 times

Financial Planning & Retirement

Documents