5 Steps to Improving Your Financial Life

1. 5 Steps to Improving Your Financial Life Daniel T Kavanaugh November 8, 2012

3. Key Financial Issues to Watch Fiscal Cliff

4. Key Financial Issues to Watch Taxes

5. Key Financial Issues to Watch Inflation

6. Key Financial Issues to Watch Interest Rates

7. Key Financial Issues to Watch Confidence Levels

8. Step 1 - Reduce Your Tax Liabilities • Utilize tax advantaged investments • for long term • Tax harvest your gains on assets • this year • Shelter your income producing • assets

9. Step 2 - Strengthen Your Credit Score • Consolidate and auto-pay balances • Review and monitor credit reports • Protect your credit and identity

10. Step 3 - Perfect Your Portfolio • Take a holistic household view of all • your investments • Determine risk tolerance and • allocate • Diversify your growth accounts and • include multinational companies • (with dividends)

11. Step 4 - Enhance Your Retirement • Increase contributions regularly • Review Social Security benefits • annually • Run full retirement analysis with • spouse at 50

12. Step 5 - Update Your Estate Plan • Update your wills • Protect your assets and • income needs • Communicate wishes to • family

13. Summary • Pay Attention to Key • Issues • Take Action Steps • Preparation is the • Key

14. Thank You