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 Welcome to Jim's
CLIENT LIBRARY
Scroll Down or Click on Table of Contents: 1. Client Alerts, Economic & Tax Bulletins 2. Jim's Weekly Market Commentary 3. Jim's Monthly Newsletters 4. Emergency Forms 5. Planning Tools 5a. Tax & Financial Planning Quick Reference 5b. Mortality Table for MA Life Estate Interest 5c. Silver Financial Plan Questionnaire 5d. Investment Terminology Explained 5e. College Financial Aid Estimation Tool 5f. Find your Missing Money! 5g. How Long Will My Money Last? Chart 6. Prospectus Links Email Jim if you have questions or requests: jim@jimstephan.com
 1. Client Alerts, Economic & Tax Bulletins
Jim's Client Alerts contain timely information that he wants to share with you about urgent issues. The economic bulletins review laws, bills signed, and recent tax changes enacted to provide relief in today's economic environment. Review this bulletin board often to see if you qualify for any new benefits. Solid 3.5% Growth in Q3 No Recession, No Panic A Time for Patience Guide to Market Recoveries Economic Research Report: Dow Down 500, But Fundamentals Still Strong 2011 Tax Law Changes Roth Conversions White Paper
2. Jim's Weekly Market Commentary
February 2012 Jim's Commentary 2-20-2012 Jim's Commentary 2-13-2012 Jim's Commentary 2-6-2012 January 2012 Jim's Commentary 1-30-2012 Jim's Commentary 1-23-2012 Jim's Commentary 1-16-2012 Jim's Commentary 1-9-2012 Jim's Commentary 1-2-2012 December 2011 Jim's Commentary 12-26-2011 Jim's Commentary 12-19-2011 Jim's Commentary 12-12-2011 Jim's Commentary 12-5-2011 Archived Commentaries
 3. Jim's Financial Tips Monthly Newsletters: February 2012 January 2012 December 2011 November 2011 October 2011 September 2011 August 2011 July 2011 June 2011 May 2011 April 2011
4. Emergency Forms
Emergency Personal Record Log: This informational form will assist your Emergency & Retirement planning, Estate & Will preparation, and life event Risk Management. It will provide essential information to your loved ones in the event that you are unable to act or something happens to you. My 18-page form helps you organize and log your most important life passwords and documents: insurance policies, investments, debts, children, beneficiaries, doctors, accountants, etc.; complete with contact information. Once completed, you may share your completed document with your trusted person who will thank you! The Print version is for filling out by hand, while the Electronic version can be typed in on screen.
Electronic Version (save to your desktop and fill out) Print & Fill out by Hand Version (print, then fill out)
5 Planning Tools
5a. Tool: Tax & Financial Planning Quick Reference
This 2-page document has most current tax limits and planning statistics including pension and IRA limits, tax brackets, rollover guidelines, Social Security tax information, and much more. 2011 Tax & Financial Planning Quick Card 2010 Tax & Financial Planning Quick Card 2009 Tax & Financial Planning Quick Card 2008 Tax & Financial Planning Quick Card 2007 Tax & Financial Planning Quick Card 2006 Tax & Financial Planning Quick Card 5b. Tool: Mortality Table for MA Life Estate Interest
This table is used for determining the life expectancy of a life estate owner. Although other tables may exist, this table is from the Minnesota Department of Health and Human Services Health Care Programs Manual Policy #19.25.15.20, and is the source used for MA purposes. Mortality Table for MA Life Estate Interest 5c. Tool: Jim's Silver Financial Questionnaire
Jim's Silver Financial Plan helps you prepare, then manage your cash flow and budget through your retirement years. Your Plan will Answer: • How can I regain control of my budget and start building assets for tomorrow?
• How can I manage my debt more effectively?
• How early can I retire?
• How much money do I need in retirement?
• How long is my money projected to last in retirement?
• What changes can I make now to avoid problems later? To Get Started: 1. Save this Silver Planning Questionnaire to your computer, or call Jim and he will send it to you 2. Fill out the Questionnaire & Send it to Jim *See Jim's Silver page for more information
5d. Tool: Investment Terminology Explained
See the following link for explanations to statistical investment terminology: Investment Terminology Definitions 5e. Tool: College Financial Aid Estimation
The U.S. Department of Education has launched an online financial aid tool to help families better prepare for the cost of college. Called the FAFSA4caster, it's modeled on the government's official aid application, the FAFSA (Free Application for Federal Student Aid). The tool examines a family's financial data and estimates how much aid a student might expect to get. www.fafsa4caster.ed.gov 5f. Tool: Find your Missing Money!
Endorsed by the National Association of Unclaimed Property Administrators (NAUPA) and the state of Minnesota, the following link offers an easy-to-use website for finding missing money, from bank accounts, safe deposit boxes, stocks, mutual funds, dividends, and much more. www.missingmoney.com 5g. How Long Will My Money Last? Chart Find out how long your money will last if you are receiving a fixed % annually and are taking a fixed % payment How Long Will My Money Last? Chart
 6. Prospectus Links by Company American Funds Home page (great informational site) American Funds Prospectuses Blackrock DWS Investments Premium Reserve Money Market Prospectus DWS Investments - All Mutual Fund Fact Sheets & Prospectuses
Delaware Funds Minnesota Tax-Free Prospectus Fidelity
Franklin Templeton Prospectuses Jackson National Life Prospectuses JP Morgan Lord Abbett Oppenheimer Pacific VA Prospectuses PIMCO Putnam Funds SunAmerica Funds Focused Asset Allocations Strategies Prospectuses SunAmerica Mutual Funds Prospectuses
I have posted the links above to assist your emergency & retirement planning, estate & will preparation and life event risk management. These forms are not to be considered legal advise. Always consult your Tax or Legal Professional for advice before making any tax or legal decisions.
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