Benchmark Bulletin – October 2012

Happy October everyone!  Hard to believe we’re here already.  2012 has flown by so far.  Holiday Season will be upon us shortly.  The equity markets have been pretty good to us so far this year but hod on tight – the road may get bumpy from here on through the next few months.  Unpack and dust off your Fall decorations and have a great Halloween!“It is only the farmer who faithfully plants seeds in the Spring, who reaps a harvest in Autumn.”

– B.C. Forbes

Year-End Investment Planning and the Fiscal Cliffhanger
As 2012 draws to a close, it might be worth starting early to look at various “what-if” scenarios in case you need to make last-minute changes to your portfolio this year. Even though you may not be sure of exactly what will happen in 2013, here are some factors to keep in mind as you plot your year-end strategy.
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Ways Parents Can Help Their Boomerang Kids
It’s been called the new retirement wild card. But it’s not inflation, health-care costs, or taxes. What is it that’s causing so much uncertainty? It’s boomerang kids, and the money their parents spend on them.
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Four Retirement Planning Mistakes to Avoid
We all recognize the importance of planning and saving for retirement, but too many of us fall victim to one or more common mistakes. Here are four easily avoidable mistakes that could prevent you from reaching your retirement goals.
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Can I be reimbursed from my health-care FSA for over-the-counter medications?
Expenses incurred for over-the-counter (OTC) medications (except for insulin and medications that are prescribed by a physician) are no longer eligible for reimbursement from a health-care FSA.
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Should I participate in my employer’s wellness program?
Studies show that living a healthier lifestyle can greatly improve one’s overall health by reducing the risk of death and disability.
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This information is not intended to be a substitute for specific individualized tax or investment advice.  We suggest that you discuss your specific tax and investment situation with qualified tax and investment professionals. No strategy assures success.The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2012.