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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. Market History & Trends
3. Jim's Weekly Market Commentary
4. Jim's Monthly Newsletters
5. Emergency Forms
6. Planning Tools
6a. Tax & Financial Planning Quick Reference
6b. Mortality Table for MA Life Estate Interest
6c. Silver Financial Plan Questionnaire
6d. Investment Terminology Explained
6e. College Financial Aid Estimation Tool
6f. Find your Missing Money!
7. 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.
Roth Conversions White Paper 11-09
Top 2009 Year End Investment Tips 11-09
Understanding the First-Time Homebuyer Tax Credit 11-09
Worker, Homeowner, and Business Assistance Act of 2009 11-09
2010 Estate Tax Legislation 10-09
Rollover Your 2009 Required Minimum Distribution 10-09
Making Work Pay Tax Credit 3-09
The American Recovery and Reinvestment Act of 2009 3-09
Emergency Economic Stabilization Act of 2008: Business Changes 2-09
Emergency Economic Stabilization Act: Tax Breaks for Individuals 2-09
The "Bailout Bill" & the Financial Markets: A Plain-English Guide 2-09
The Worker, Retiree, and Employer Recovery Act of 2008 2-09
 2. Market History
& Trends
The following links show the Market's history, reaction to historical events, and the effects of investing through recessions on your portfolio.
Business & Market Cycles 11-09
Andex Chart (Print 2 pages in color and align together to study) 1-09
Investing through Recessions by American Funds 1-09
Markets Recover from Crisis 1-09
Market Rebounds Outlasted Declines--How You Respond 1-09
3. Jim's Weekly Market Commentary
March 2010
Jim's Commentary 3-8-2010
Jim's Commentary 3-1-2010
February 2010
Jim's Commentary 2-22-2010
Jim's Commentary 2-15-2010
Jim's Commentary 2-8-2010
Jim's Commentary 2-1-2010
January 2010
Jim's Commentary 1-25-2010
Jim's Commentary 1-18-2010
Jim's Commentary 1-11-2010
Jim's Commentary 1-4-2010
Archived Commentaries
January-December 2009
4. Jim's Financial Tips
Monthly Newsletters:
February 2010
January 2010
December 2009
November 2009
October 2009
September 2009
August 2009
July 2009
June 2009
May 2009
April 2009
5. 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)
6. Planning Tools
6a. 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.
2009 Tax & Financial Planning Quick Card
2008 Tax & Financial Planning Quick Card
2007 Tax & Financial Planning Quick Card
2006 Tax & Financial Planning Quick Card
6b. 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
6c. 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. Jim Stephan will build your Silver Retirement Plan free of charge if you are a client. 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
6d. Tool: Investment Terminology Explained
See the following link for explanations to statistical investment terminology:
Investment Terminology Definitions
6e. 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
6f. 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
7. Prospectus Links by Company
American Funds Home page (great informational site)
American Funds Prospectuses
Blackrock
DWS Investments Premium Reserve Money Market Prospectus
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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