Wordhouse Wealth Coaching

When making financial or non financial decisions we want your vision focused on your goals and your TRUE purpose for life. Will your solution bring you closer to your life goals? Keeping focused will help you achieve what really matters to you in your life.

CURRENT TAXES AND LEGAL DOCUMENTS

Every year we need copies of your Federal taxes.

Please scan or fax the first four pages of your 1040 to Lynn.

Also, if you have updated any of your legal documents, we need signed copies scanned or faxed to Lynn.

Or, you can send her copies and she will scan them.

ELECTRONIC STATEMENTS FROM MATRIX

Matrix is now offering their statements emailed to you next quarter. If you are interested and did not fill out the form included with the Free Market Funds (FMF), please email Lynn.

If you made the switch to the Free Market Funds platform you may have chosen to enroll in the email statement program. If you signed the FMF form where you entered your email address and you do NOT desire to get your Matrix statements electronically, please contact Lynn.

TCA is not yet offering this service.

ANNUAL APPOINTMENTS

Do you know your Net Worth? We are doing your Net Worth Statement during your annual appointment.

Are you sure you are saving appropriately to make your retirement an "on time" reality? If not, you need a retirement cash flow analysis.

We want to meet with you, especially if you are NOT attending classes, or if are retiring within 10 years.

Call or email Lynn to set up your appointment.

!! SAVE THESE DATES !!

Please put these special event dates on your calendar! You are welcome to attend any event in either city, the drive is only 2 hours.

June 10 - Grand Rapids "Navigating the Fog of Investing" Movie Event

June 12 - Plymouth "Navigating the Fog of Investing" Movie Event

July 12 - "Peace of Mind" Pool Party at Phyllis'

October 28 - Grand Rapids "Navigating the Fog of Investing" Movie Event

January 17, 2009 - Grand Rapids "New Year Celebration" at Van Andel Museum. http://www.grmuseum.org/

MONEY FOR YOUR MINISTRY

Do you have a ministry that would like to receive a check from WWC?

Invite them to attend the "Navigating the Fog of Investing" movie events, as we will again be doing the Wealth Coaching Ministry game. Each answer is worth $250 for your favorite ministry! The more people that attend from your ministry, the more chances your favorite ministry has to win some money!

Start inviting now! We have about 100 seats to fill at each event! Get your RSVP's in ASAP!

NAVIGATING THE FOG OF INVESTING MOVIE

Get the word out; see what we are buzzing about. HELP your friends and ministries! Save the world one investor at a time!

Share with a friend how MPT has changed your life and how happy you are. Invite all your favorite people to learn about how misinformed investors are and how they too can accomplish their dreams. Help your friends STOP fighting the market!

This 75 min. movie is about untruths in the financial industry and how investing with broker and financial planners can be like navigating through a dense fog.

Do your friends really know what is going on with their hard earned money? Who is looking out for them? How do your friends protect themselves and their money?

Along your journey you have learned that by investing, using MPT and worldwide institutional asset class funds you will not have these kind of worries. You are in the only Nobel Prize winning investment strategy that is proven to reduce your risk and provide market returns. You have also chosen an investment objective that has a known amount of risk and you are protected from the many traps that unsuspecting investors fall prey to. It is wonderful to be investing with 20/20 vision!

Help your friends surrender their financial fears and gain confidence. TRUTH brings contentment.

Please check out the "Navigating the Fog" trailer on our website -

click here

WHO IS WHO?

Here is a list of names and words you will see within your Matrix paperwork:

Wealth Advisors Group (WAG): Registered Investment Advisor (legal entity with the SEC) All advisory fees must go through WAG. (RIA advisory fees replace Broker Dealer commissions)

Referrers: Persons/Christian Organizations who referred you to us

Wordhouse Wealth Coaching (WWC): Fee Investment Advisor through WAG.

Wealth Coaches/Solicitors: Maria J. Kuitula and Phyllis J. Wordhouse

Benefit Alliance Inc. (BAI): A division of The Stewardship Alliance (TSA), that Kuitula and Wordhouse share their advisory fees with, to promote educating Church Leaders about Stewardship

Wealth Coach Experience (WCE): Curriculum for Wealth Coaching, Life Coaching, & Stewardship Coaching (currently 20 different client classes)

Abundance Technologies: SEC RIA entity that contains Matrix Asset Allocation

Matrix Asset Allocation (Matrix): Modern Portfolio Theory (MPT) Money Managers (correlate & rebalance accounts)

Trust Company of America (TCA) Independent Trust Company that holds Matrix accounts (All contribution checks are made out to TCA. TCA moves your money as Matrix advises)

Dimensional Fund Advisors (DFA): Institutional Investment company Matrix uses for asset class mutual funds.

STOP JUNK MAIL!

Over 4 million tons of junk mail are produced in the U.S. each year. Not only is this a waste of resources, it is a huge energy drain to produce, deliver and recycle. There are things you can do to help reduce the amount of junk mail you receive.

Credit Card Offers - This is one of the biggest producers of junk mail. To stop receiving offers, visit https://www.optoutprescreen.com and opt out. This will be effective for Equifax, Trans Union, Experian and Innovis credit agencies.

Catalogs - The most effective method is to call the catalog sender and ask them to remove your name from their list. If you want to remove your name from all catalog mailing lists, send an email to Abacus Catalog Alliance. Signing up permanently halts the catalog mailings from association members (which is a bulk of what you receive). Email abacusoptout@epsilon.com with your full name and current address.

Direct Mail - You can stop receiving direct mail from members of the Direct Marketing Association for 5 years for a cost of only $1 by visiting https://www.dmachoice.org/MPS/proto1.php . Another option that's free is ProQuo.com which will help you remove your name from lists of coupons & weekly circulars, catalogs, marketing lists & data brokers and telemarketing lists. Another free service is from GreenDimes.com. Not only is it free, they'll GIVE you a dollar and plant trees.

This info was recycled from TheNatureStore.com.

DEDUCTIBILITY OF ADVISORY FEES

A few clients have mentioned their tax preparer will not deduct all their advisory fees, so we contacted Frank, our own personal and business tax preparer and asked him the question.

There is an IRS code that states that tax free and tax deferred retirement accounts may not have their advisory fees deducted if they are taken directly from the retirement account. To allow them to take internal advisory fees as a deduction would be like a double deduction. In fact, in our research, we found that having fees deducted from your IRA or Roth is actually the preferred way to pay your advisory fees, as there is NO 2% floor and 100% of it is paid with pre-tax monies.

The bottom line is: If you want your retirement account advisory fees to be paid with retirement monies and not deductible, do nothing different. If you want your retirement account advisory fees to be deductible on your 1040, they need to be paid separately, outside of the retirement account, however it still needs to be determined how that can be accomplished.

We have requested Matrix to work with TCA (Trust Company of America) to determine if and how that can be done. If you are interested and would like to learn what they decide, please contact Lynn and let her know you would like to be put on the list to contact, once Matrix and TCA make their determination. We believe they might allow you to pay your fees with a personal check, charge them to a credit card, or possibly have all the fees come from a taxable account.

If your tax preparer will not deduct any of your taxable advisory fees (fees beyond your 2% floor), you need a different tax preparer. Take a list of all your taxable account advisory fees from previous years to your new tax preparer and claim them all on your next (2008)1040.

TCA STATEMENT REALIZED LOSSES OR GAINS

If you moved a Matrix account to the new Abundance Free Market Funds (FMF) in the first quarter of 2008, your 3/31/08 TCA statement will show you have a Realized Loss or Gain. Because the market was different the day your account moved to the FMF than now, the Realized amount is different than your Net Change in Market Value number. We requested you to move your accounts quickly, so you could capture the down market and be taxed on smaller amounts.

If your account is a taxable account, remember to claim the Realized Loss on your 2008 Federal taxes. Retirement accounts are already tax free or tax deferred and no losses may be claimed.

Your TCA statement Net Change in Market Value represents the value of your account as of 3/31/08.This is a different number than the Realized Loss or Gain number, as the market has changed value since your account moved to the FMF's. The difference between the two numbers is how much the market has changed since the move to the FMFs.

Do not be concerned. You are in the MPT "boat" and we are riding the waves of the market. Some of the troughs of the waves are higher and some are lower. You are in the enviable position of owning the whole market, being prudently diversified and appropriately allocated for the long haul. Just do what you do best - ignore the markets and go back to your favorite hobby. Don't worry, have fun!

SUMMER WCE SCHOOL

Come and join us for Wealth Coaching Experience (WCE) this summer. We plan to have a day in both Grand Rapids and Plymouth for clients to attend and make up some classes you missed. To view this list of all WCE classes please click here .

Dates for the summer classes are not yet set. We will be sending out an announcement to all MI clients who have not taken the classes we will be teaching.

We have learned the clients who attend class are more contented and happier clients. Please make time to give yourself the gift of knowledge. Knowledge creates Peace of Mind.

VIP PLUS CHECKING

Please be reminded of the restrictions on all VIP Plus account draft restrictions:

Drafts must be $500 or more but NOT exceed 50% of the account value. TCA will not process tor honor a draft outside of these restrictions.
Only the original drafts, or certified or guaranteed copies thereof, will be acceptable.
No more than six distributions via a combination of draft, wire, ACH distribution, transfer or check (other than to the name and address of record) may occur during any 30 day period. No more than five of the six distributions may be a draft.

PROSPECTUS EMAIL SIGN UP

You may replace conventional mailed DFA prospectus and proxies with electronically mailed prospectus. You must have an email address to participate.

Follow these three simple steps to enroll, after you receive hard copy mail from an investment company. While utilizing the personal page accompanying the prospectus and proxies.

Go to https://east.investordelivery.com/eDelivery/index.do
Enter your Enrollment Number; please skip any spaces. Your Number can be found next to the label Enrollment Number or in the box next to the arrow on personalized page.
Select Enrollment or Reactivation and click on Submit to complete the request.

We love to hear from you! Please contact the person directly who you need, via cell phone or email, to reach us quickly. We are a virtual company and take pride in being available to help whenever you need it.

Our team strives to provide you with the best service and we take your suggestions and feedback seriously.

WWC CONTACT INFO:

Debbie Tinkler- Receptionist: Cell:(734) 459-1819 / (800) 615-0435

Lynn Lentz - Business and Appointments: Cell:(616) 460-1581 Fax:(734) 468-1336

Joyce Kurtz - Client Relations: Cell:734-536-3407

Maria J. Kuitula - Wealth Coach: Cell:(616) 460-6518 Fax: (616) 956-1530

Phyllis J. Wordhouse - Wealth Coach: Cell:(734) 718-0955