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As you gather with your family on Thanksgiving Day, please bring up the topic of your wishes. Start the conversation: “If this were a perfect world, money was not an obstacle, taxes were not an issue, and time was not a factor, while ALIVE I would wish for…and for my 50 YEAR LEGACY (50 year impact on the world after your death), I would wish for…” Please write down every response and remember to bring your responses to Phyllis at your 2004 Annual Update appointment. This would be a good “refrigerator” sheet, helping you think and dwell on it for the next 3-4 months. Make two columns, titled: ALIVE and 50 YEAR LEGACY. Each person needs his or her own sheet! In the future, we will be sending out one newsletter in the middle of each quarter. Please take 5 minutes each quarter to read the first page of your MATRIX report, as it a message from Mark to you. Also, look at how well the DFA funds are doing compared with the market indexes. Then the following month you will receive a newsletter from us. Please put this date on your calendar and invite your best art-loving friends to attend our casual Christmas Open House at our office on Sunday, from 2PM – 5 PM . Our son Ross will be home from Oregon and we will be displaying some of his panoscape photography. If you would like to preview his work, please go to www.rosswordhouse.com and check it out. Please call Lynn with the number of people you are bringing, so we know we will have enough munchies. The more the merrier! Lynn will call you after the first of the year to set this up. Please make your appointment so you can bring your 2003 Taxes, updated Employer’s Retirement Plan statement, current Social Security benefits statement, and Your Perfect World: Alive/50 Year Legacy responses. Our referral sheet for CPAs/Tax Preparers will soon be ready. Quite a few clients have requested a CPA referral, as they need to make a change. It is important that your Advisory Team and your CPA work together focusing on your big picture, your best results. Your tax preparer should be familiar with Modern Portfolio Theory and agree with it. Please call Lynn if you would like a copy of our CPA Referral Sheet. Once Phyllis has interviewed the CPAs, Lynn will mail/email the list to you. Good results come from working with a good team! We are so thankful that you have demonstrated your confidence in our firm, allowing us to coach you through all the phases of your life. Thank you all for coming to the fantastic What a great time everyone had. We all are so blessed! We will give you one module free, if your total WC fees are paid up by Dec. 15, 2003 . This will also increase the amount of Advisory Fees you can deduct, as all WC fees are tax-deductible. Call Lynn now, to figure out your amount. The once a year $10,000 Atlas program will be here soon. Typically the write off is 90% of your investment. Warren ’s minimum is $50,000 and the write off is typically 94%. We will be calling those on our Oil & Gas list. Call Lynn by Dec. 1, if interested but not called. Still have an investment that lost money? Move it now to MATRIX and claim the loss. It’s better to gain value in the correct diversification, than to sit in a bad diversified asset. Don’t look back. Look to the future! WEALTH COACHING Phyllis focuses on Wealth Coaching instead of Financial Planning, as we have found that the Wealth Coaching clients become more efficient with their time and assets and also have greater Peace of Mind. If you have not started your Wealth Coaching Modules #3-8 yet, please call Lynn to get them started. is adamant about working in the Efficient Passive Investment Philosophy strategy, so they use DFA (Dimensional Fund Advisors) an institutional asset class mutual fund. This strategy means very little trading takes place as the money managers mostly buy and hold. Where Fidelity, American, Equitable, Idex, Putnam, etc. funds frequently have over a 30% turnover of the stocks in their funds each year, DFA has only about an annual 8% turnover. Therefore DFA has lower trading fees and better than market returns! MATRIX clients: Please take the time to check out your last MATRIX statement. The coversheet newsletter that Mark Matson writes brings a good message to you every quarter, plus there is a column of comparisons on the right side of the sheet, comparing DFA to the Indexes. This past quarter, in every comparison, DFA had better returns. Last quarter, DFA was the best in all but two indexes. Those are awesome results! This is why MATRIX consistently beats the market with less risk. See the included Investment Cost Analysis. Everyone who attended the Matrix seminar on October 16 th at Fox Hills, received a copy of the book we contributed to, The Dirty Filthy Lies Your Broker Told You and 101 TRUTHS About Investing. If you were not able to attend, please stop in for your complimentary copy. Thanks again for your continued confidence in our firm. Since 1977, Phyllis has continually searched for the Truth about investing. Now that we understand the importance of Efficient Passive Investment Philosophy, we want to share that knowledge with the world and need your help. Hopefully you too have gained greater Peace of Mind with the Efficient Passive Investment Philosophy and are willing to share this knowledge with those that mean the most to you, your family and best friends. When you get to your wit's end, you'll find God lives there. God Be With You And Yours! Lynn, Joyce, Diana, Amanda & Phyllis |
