In This Issue

Your Financial Plan

Tax Changes

highWAY Financial Networks is a Registered Investment Adviser

As a Registered Investment Adviser highWAY is held to a fiduciary standard required to . . .

Put client's interest above our own.

Be transparent in all our actions and fees.
 

We enjoy bringing value to our clients every time we interact with you, therefore, this monthly newsletter is intended to share one or two timely topics that will enrich your life.

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Do you have any friends or associates that would be helped by understanding the difference between suitability & fiduciary, or wanting to know how to save less for college while still fully funding their college tuition? 

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Ric Komarek, AIF®, RFC®
Financial Planner
Advisor Bio

Dear highWAY, 

Unfortunately we continue to experience extreme volatility in the financial markets; however, our first article helps bring clarity to investors by considering some essential questions.

The second article provides timely insight into the tax changes which will come about as a result of the Stimulus Bill.

If you have any questions related to this information or your investment plan feel free to contact me.

Sincerely,

Ric Komarek, AIF®, RFC®
2526 Goodwater Ave, Suite A
Redding, CA 96002
530.223.1222
rkomarek@highWAYfinancial.com
www.highWAYfinancial.com

Nervous? It may be time to reassess - or make - a financial plan

We are in a financial crises the likes of which most of us have never seen. It is marked by the biggest bank failure in American history, Dow swings of nearly 800 points to the downside and upside swings of more than 600, a dry-up in the nation's consumer and business credit markets, and world governments still trying to calm the waters.

The next time the Dow spikes or slides, consider the following...  

Click here to read more.
 

Stimulating Tax Changes

The recently-passed American Recovery and Reinvestment Act of 2009 (aka "The Stimulus Bill"), contains a number of individual federal income tax changes that might significantly impact your financial life, or the financial life of a family member or loved one.

529 plans (College Planning):
The new law includes computers and computer technology under the definition of "qualified education expenses."

Payroll tax credit:
For 2009 and 2010 only, the new law provides a dollar-for-dollar income tax credit equal to the lesser of 6.2% of earned income or $800 for married taxpayers filing jointly ($400 for single filers), provided modified adjusted gross income (MAGI) is not over $150,000 ($75,000 for single filers). The credit is gradually phased out over that limit.

Click here to read more.

The preceding articles are not a complete analysis and should not be considered investment advice.  highWAY Financial Networks is a registered investment adviser.  If you would like to receive more information about highWAY Financial Networks, please contact us for a copy of our disclosure document, Form ADV Part 2 and Schedule F.