Market Watch

January 28, 2012 @ 01:12 AM

Dow Jones Industrials 12,660.46- 74.17
Dow Jones Transportation 5,344.78+ 41.93
Dow Jones Utilities 447.97- 6.07
Nasdaq Composite 2,816.55+ 11.27
Nasdaq 100 2,461.77+ 7.14
S&P 500 1,316.33- 2.10
S&P 100 595.37- 1.25
NYSE Composite 7,876.61- 7.29
AMEX Composite 2,356.42+ 3.15

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LJH Financial Group

Steve M. Lovelace
Michael D. Johnson, CFP®
Keith Hullum, CFP®

We at LJH Financial Group are dedicated and committed to educating and motivating each of our clients on how to prepare for their future and present financial needs.  Our main agenda is to interest our clients into thinking strategically about addressing their goals.

We hope that you take advantage of some of the many different resources on this site!  To name a few, there are the calculators were you can use to estimate how much income and savings you may need in retirement or you can compare the potential future value of tax-deferred investments to that of taxable investments.  Furthermore, you will find a few newsletters and articles covering many financial service topics on this web site.

In addition, we believe in lifestyle planning.  Our financial professionals will help you through every stage of your financial life cycle, from when you start your first full-time job all the way to when you are considering retirement and all the many stages in-between.  We are an established group in helping individuals and businesses address their financial planning, investment services and risk management needs.  While working with one of our financial professionals, your planning process will include: discovery of your situation, profile of your priorities and then finally, creation and implementation of a strategy.  Regular reviews will play an important part in making sure that throughout the years the strategies we implement remain consistent with your goals.

We take pride in educating the community and we at LJH Financial Group are willing to work with any size group or corporation and implement a financial seminar for a given specified topic.

Being involved in the community is very important to each of us!  Our commitment to give back to the community is demonstrated by all our many yearly non-profit organizations and non-profit programs we each support.  Over the years we have supported the Charles Wright African-American Museum, the Detroit Public Schools and the Detroit Fire Department.

Thank you for visiting our web site!

Sincerely,

Steve Lovelace, Michael Johnson, CFP® and Keith Hullum, CFP®

CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP (with flame logo)® are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

Newsletters

Are Consumers Holding the Keys to a Better Economy?

Consumer spending still accounts for about 70% of gross domestic product, but some government statistics suggest that consumers may have reduced spending drastically in recent years, especially on discretionary items. High unemployment, household debt, and a general lack of confidence can affect consumers' ability and willingness to spend.

Tax-Efficient Investments for the Tax-Averse

Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds.

Evaluating Life Insurance Needs

It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.

Help Chart the Future of Your Family Business

The transition from one generation to the next is considered to be one of the biggest risks to the survival of a family-owned business. A thoughtful succession strategy not only outlines when and how ownership should be transferred but also takes tax implications, family relationships, and other sensitive issues into account.

More Newsletters →

Calculators

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

Life Insurance (AXA version)

How Much Money Will Your Loved Ones Need When You Die?

Life Expectancy

Knowing your likely life expectancy is an important factor in making long-term financial plans.

More Calculators →


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