32906 Middlebelt Road at 14 Mile Road Create a financial plan to pursue the future you envision 248-855-0007 ., Delivery Available ,---orwohn,04. •• • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • 20 FRESH MARKET es Locally Owned and Operated by Dan and Julie Sonenberg Provided By: 744-0-4. The Lott Sheth Farber Hesano Group UBS Financial Services FOR YOUR HOLIDAY BUSINESS tying to accomplish your wealth management goals without a current financial plan is like trying to navigate without a map: you may arrive late or even miss your destination. By providing an integrated view of your personal and financial goals—not just your investment portfolio— a plan can help you see where you are today, and provide ideas on how to pursue the future you envision. Because personal and financial goals evolve, your existing financial plan may need to be updated to reflect those changes. Please consider the following financial strategies information, which we can discuss further. T ANALYZE YOUR NET WORTH Once we tally your current assets and liabilities, we can better assess the likelihood of meeting your financial goals. This is also the first step in ensuring our approach is thorough and organized. For example, we may identify assets that could be consolidated, such as "orphaned" 401(k) accounts at former employers or assets that you may not own yet, such as unvested equity compensation and deferred compensation. It's important to note how your assets are held, whether in your name alone, jointly (with a spouse/partner, child, etc.) or even in a trust. We can also evaluate opportunities to repay or restructure your liabilities and set up a plan for managing that side of your balance sheet. QUANTIFY YOUR COST OF LIVING When planning for your future, it's important to know whether or not you're saving and investing appropriately toward your retirement lifestyle goals—and also for the possibility of unforeseen events. If you keep a budget of your current expenses, we can begin by reviewing what goes out on a regular basis. We will look at other planned expenses and then begin to consider what your future costs might include, such as healthcare for yourself or eldercare for an aging parent. If you aren't sure of your current budget, don't worry; we can help you determine a thoughtful estimate. ESTABLISH OR BOLSTER AN EMERGENCY FUND Your emergency fund should cover at least six months worth of necessary expenses. Keep the fund in safe, liquid form, such as assets in a bank account, money market account or short-term certificates of deposit. REVIEW YOUR ASSET ALLOCATION With your goals in mind and a thorough picture of your assets and liabilities, we can design or update your investment strategy, one that allocates assets across various asset classes and takes advantage of opportunities in the market at a given time. And as your needs change or the market moves, we can adjust your investment approach accordingly. PROTECT YOUR ASSETS We've noticed that many clients neglect to adjust insurance coverage as their lives change: We want to be your GO-TO STORE •If you've recently completed home improvements or renovations, update your homeowners' insurance policy to reflect your home's increased value. If you've added a pool, hired household staff or your children have started to drive, check that you have adequate umbrella coverage to protect against possible litigation in case of accidents. for many years to come! RON FORMAN'S DELI NOSH Vienna Beef products •If you've had a child or experienced an increase in salary or compensation, check the level of income replacement on your life insurance and disability policies. One rule of thumb suggests you should plan to replace five to seven times (or even 10 times) your annual salary, but much depends on your lifestyle, family size and income. Soft Salami & natural casing and skinless all beef franks We are taking requests for products you would like us to stock. Please Shop on-line at www.Johnnypomodoros.com •If you're over 50 years old, consider buying long-term care insurance now while you're healthy, as these policies can become more expensive once you retire. We can also explore policies that include inflation protection to account for rising healthcare costs in the future. 267 S Lightner Road Port Clinton, OH 43452 Only 20 minutes west of Cedar Point! UPDATE IMPORTANT DOCUMENTS If anything significant has changed in your life—such as a new child or grandchild, marriage or divorce (yourself or your children) or receipt of an inheritance—be sure to update your personal documents, such as your will or trusts, living wills or powers of attorney for property or healthcare. It's also wise to regularly review beneficiary designations on retirement accounts and insurance policies. We can work with you and your attorney to update these documents. 1-800-521-2660 brive-Thru Safari Feed the animals and enjoy fun shows! Remember, with a solid plan in place, it's easier to feel more confident about your future. We'd be happy to work with you to develop a financial plan that helps ensure you achieve your goals. UBS UBS Financial Services 325 North Old Woodward, Avenue, Suite 200 Birmingham, Michigan 48009 Work: +1.248.645.7897 Mobile +1.248.755.4302 Fax +1.855.792.5111 Toll free ::.-262-4803 http://financialservicesinc.ubs.com/team/Isfgroup Some animals exhibited in pens African Safari Wildlife Park $3 00 Off We offer both iivestment advisay and brcBerage services, each of dish is separate and distinct differs in material ways, and is govemed by different laws and separate softest. In providing a financial plan, we may act as a broker-dealer or investment adviser, dependim on whether we charge a fee for the service. Financial plans provided free of charge are a service incidental to our brokerage relationship and the service terminates upon delivery of the plan. We provide financial planning services as an investment adviser for a separate fee pursuant th a written agreement which details the tens, combos, fee and scope of the engagement For informatian about our fee- based financial planning services, see the Firm's Financial Planning ADV Disclosure Brochure. Note that financial planning does not alter or modify in any way the nature of a client's UBS accounts, their rights end our obligations relating to these accounts or the terns and conditions of any UBS account agreement in effect during or after the financial planning service. Clients are not required to establish accounts, purchase products a otherwise transact business with us to implement any of the suggestions made in the financial plan. Should a client decide to implement Piet financial plan with us, we will act as eta a broker-dealer or an investment adviser, depending on the service selected. For more infatuation please visa ubs.com/workimwRhus. UBS Financial Services Inc., Rs affiliates, and Rs employees are not in the business of providing tax a legal advice. Clients should seek advice based on their particular circumstances from an independent tax adviser. CUBS 2014. All rights reserved. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRAISIPC. D-UBS-CF3C8B12 120711-3810 aby-FP September 24 • 2015 stop at our service counter and let us know what you are looking for. Now hiring experienced supermarket associates. Apply online at www.Johnnypomodoros.com 1986720 $2 00 Off $49.95 Carload Adult Ticket (7 years+) Children's Ticket (4-6 years) (Up to 6 people) JCN3 JC 2 JCNc IL I1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 11111111111 This article has been written and provided by UBS Financial Services Inc. for use by Rs Rancid Advisas. 64 $ 899 1b prices good 9/24— 1 0/7 •Long-term disability insurance is also important if you're relatively young. You could experience severe hardship if you cannot work due to illness or an accident. We can do an insurance review together to make sure your current coverage meets today's needs. V VlanneBeef Provide e mai address to redeem th s coupon Valid for up to 6 people with coupon May not be used in combination with any other offer. IL africansafariwildlifepark.com