This newsletter is sent to you compliments of Conover Feek: Fall Quarter 2007

In today's planning world, the key to financial security revolves around Guaranteed Income Planning to help protect you from future economic uncertainty.

Today, there are many resources and products that maximize growth and guarantee lifetime income. For example, fixed annuities are a common source of guaranteed income in retirement. Rapidly increasing in popularity are variable annuities. While subject to investment risks, these days variable annuities offer income riders that guarantee your principle will be returned to you in the form of regular withdrawals of up to 5-6% per year.

Retirement security strategies is our strength.   -- Jim

"We are all inventors, each sailing out on a voyage of discovery, guided each by a private chart, of which there is no duplicate. The world is all gates, all opportunities."
-- Ralph Waldo Emerson

As we prepare this retirement planning edition of our eNewsletter, the stock market has just been through another week-long roller-coaster ride. It serves as a reminder that so many people have their retirement dreams exposed to the volatility of traditional investment planning.

That's why the cornerstone of the Feek Justice investment philosophy is reduced volatility, particularly for retirement portfolios. History shows that reducing volatility can actually increase your potential return.

If you'd like to learn how, give me a call.   -- Gary

If you had the chance to retire early, say at age 50, would you turn down the opportunity? For many people, 30 years in the workplace is quite long enough.

At age 50, according to U.S. government statistics, you have a lifespan of another 33 years. That's longer than your entire working career. As life spans are lengthening incrementally, you may need to plan for 40 years after retirement.

What do you want to do in retirement? Travel? Golf? Fishing? Woodworking? How much will these things cost? Will you want to live more expensively or less expensively after you are no longer in the workforce?

Where will you live? Will your mortgage be paid off and property taxes your chief housing expense? Maybe you'll sell your home and live in a smaller place in a warm climate. Maybe you'll return to the town of your childhood, or near family members.

You should think about insurance too. For many people, life, health and disability are paid by employers during your working years. Retirement can mean that you lose most or all of these benefits. What about long term care costs?

About now, you may be thinking, "How will I ever retire?" Retirement planning involves far more than choosing an age and a property in a sunny state. It requires a hard look at yourself, your lifestyle, your values, your resources, your health and your dreams. Together we can plan a retirement that allows you to realize your dreams, spoil your grandchildren and leave a legacy worthy of your labors.