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S O M E T I M E S Y O U N E E D R E A S S U R A N C E T H AT Y O U R E M A K I N G T H E R I G H T C H O I C E .
ASSET* Large Cap Stocks Mid Cap Stocks Small Cap Stocks Emerging Market Equities U.S. Total Bonds Municipal Bonds Gold Silver
2013 RETURN 31.70% 32.40% 38.50% -6.50% -2.50% -3.80% -27.70% -34.40%
* A ny investing involves a variety of risks including loss of principle. You will want to read the appropriate prospectus prior to making any investment decisions. You cannot directly invest into an index.
RAMBLINGS
BANK SPOTLIGHT
As you have by now noticed, Town and Country Financial Services nally has a newsletter! Please hold your applause!
Incorporating a newsletter into my platform was a goal of mine from the day I began working for Town and Country Bank nearly two years ago. However, during these last two years, broker dealers were changed, ofces were relocated, and my second son was born. Fast forward to present day and were overly satised with our broker dealer Fintegra, I havent had to change the address on my business card in over a year, and a teething 10 month old is all the birth control a parent needs. With that said, voila! We have our rst newsletter! For some, this may be the only nancial newsletter you receive. For others, this may be one of many. Nonetheless, my goal for these four pages is to be different than what you may have received in the past. For better or worse, the content found within this newsletter has been mostly written by me (except for the articles written with typos). That isnt because Im a huge ego-maniac, but because I truly believe that the majority of all other newsletters are awful. Most newsletters out there will arrive to your inbox with prepackaged, outsourced material written by nancial analysts who speak in industry terms that only 3 out of 10 nancial advisors and 0 of 10 human beings would understand. Ive received those newsletters, Im guilty of sending those newsletters, and like many of you, Ive clicked unsubscribe to those newsletters. I would like for this to be different. I want to produce material that is informative and yet easy and enjoyable to follow. I want an open line of communication with both clients and non-clients, and I want to write about issues that are important to you, not just me talking out loud. So with that, I ask: What area inside your personal nances leaves you with the biggest question mark? It can be as simple as what percent of my monthly income should I be saving, or as complex as the affects of quantitative easing on monetary policy (please dont ask about quantitative easing). Truth be told, if this newsletter can be used as a tool for you to become closer to realizing the ultimate nancial freedom that you pursue, then thats a win in my book. Cheesy I know. So to wrap up, I really hope this is something you enjoy. If it is, the greatest complement you can pay me is to pass it along to friends and family. I appreciate it.
MOBILE TECHNOLOGY
We love when our customers visit us in person. But in todays hectic world, we understand that cant always happen. That is why we offer a great virtual experience as well. If you need to deposit a check, pay a bill, even transfer money to April 1, 2013 your childs account, John Smith 100. One Hundred and no/100 you can do so Jane Doe through our enhanced Mobile Banking App.
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Through our Mobile Banking solution, you can access your accounts, view account balances and transaction history, initiate transactions and pay billsanytime, anywhere safe and securely. Other mobile functionality includes depositing checks, transferring money between accounts at our bank to accounts you own at other nancial institutions and the ability to pay individuals, like your babysitter. Account types including checking, certicates of deposit (CDs), money market accounts, loans and lines-of-credit are supported through Mobile Banking. Conrmation of processed payments and funds transfers are sent via text message. The app is available for iPhones and Android devices. Visit your App Store today. For all other devices, visit airteller.com/ townandcountrybank. Remember: Dont Worry. Be App-y!
FA X: 217.546.6858
SADKINS@FINTEGRA.NET
WWW.BROKERAGE.TOWNANDCOUNTRYBANK.COM
ith 2013 in the rearview mirror, its time to focus on 2014 and what the upcoming year could bring. I wish I could make a list of off-thewall bold predictions that would ultimately make me look like the smartest or dumbest person in the room, but unfortu nately I think the upcoming year will mirror the former to a large degree. In 2013, we saw the 10-year treasury rate increase by 42%, closing the year at 3.03%. The increase represents the largest calendar year gain since 2009, which also happens to be the last year the bond market suffered a negative annual return. If you didnt hear enough of the word Taper in 2013, you should be in luck. The Fed showed their desire to decrease the monthly bond purchasing program evidenced by the $10 billion reduction in December. If the economy continues to show any progress in 2014, I would expect the slow tapering to continue. This would ultimately cause interest rates to increase and would likely negatively affect your bond holdings.
Ination remains close to historic lows and its beginning to look like we could see deation before any additional ination. On a positive note, partly because your uncle Mike stopped looking for work, the unemployment rate dropped signicantly in 2013. Many economists expect the trend to continue into 2014. The downside is although jobs have increased, wages have seen very little growth. If that trend continues, U.S. growth will need to be spurred by something other than consumer spending. Even if we do continue to see stagnant growth, dont assume that stocks will automatically suffer. We dont have to look back far to see that stocks can perform well in low growth years (i.e. 2013). Overall, I think equities will continue to lead the way in 2014. Stocks, which began 2013 looking undervalued, have certainly lost a bit of their value. However, I would still argue that there are still bargains to be had, it just wont be the throw a dart at the dart board type of year that 2013 was. International stocks, which for the most part did not see the signicant growth that U.S. stocks did in 2013, are a little more attractively priced to begin the year and could potentially have a little more room to grow. I believe xed Income will continue to be the toughest obstacle in 2014. Traditional bond funds could continue to deliver suppressed returns if we keep seeing signicant increases to interest rates. With that said, xed income still has a role in every portfolio and can still produce positive returns, it just takes a little different approach than in years past.
2 014 TA X A BL E INCOME BR A CK E T S A ND R AT E S
Rate 10% 15% 25% 28% 33% 35% 39.6% Single Filers $0 to $9,075 $9,076 to $36,900 $36,901 to $89,350 $89,351 to $186,350 $186,351to $405,100 $405,101 to 406,750 $406,751+ Married Joint Filers $0 to $18,150 $18,151 to$73,800 $73,801 to $148,850 $148,851 to $226,850 $226,851 to $405,100 $405,101 to 457,600 $457,601+ Head of Household Filers $0 to $12,950 $12,951 to $49,400 $49,401 to $127,550 $127,551 to $206,600 $206,601 to $405,100 $405,101 to $432,200 $432,201+
$1,000 if over 50
Federal Gift Tax Exclusion: $14,000 Federal Estate Tax Exclusion: $5,340,000
To receive Town and Country Financial Services Quarterly Newsletter electronically, please e-mail sadkins@ntegra.net.
Investments offered through Fintegra LLC, member FINRA/SIPC and Registered Investment Adviser. OSJ phone number 763.585.0503. Fintegra is not afliated with Town and Country Bank. Investments are not FDIC Insured, not bank deposits, not insured by any government agency, not guaranteed by any nancial institution, and may lose value.
PRODUCT SPOTLIGHT
You and a guest are cordially invited for dinner and discussion about REITs presented by
For additional information or to attend, contact Shane Adkins at sadkins@ntegra.net or 217.321.3624 with your name and the name of your guest. Please respond by March 5.