Market Watch

January 28, 2012 @ 03:59 AM

Dow Jones Industrials 12,660.46- 74.17
Nasdaq Composite 2,816.55+ 11.27
S&P 500 1,316.33- 2.10

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AXA

Andy  has been with AXA Advisors, LLC, since 1997. He was the recipient of the National Dual Professional Award for 2002, ranking #1 in the US that year. Andy holds a BA from UCLA and an MA from Cal State, Northridge. He has over 30 years of experience in the business community in the Greater Los Angeles area. He owned and operated his family's business for almost 20 years, prior to teaming up with AXA. Andy, a lifelong Angeleano, has lived in the San Fernando Valley for over 27 years. He and his wife, Michelle, have two grown children.  Andy focuses on working with business owners and executives that emphasize the use of formal financial planning techniques to help clients determine a path to achieve their financial and risk protection goals.

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.

Variable Annuities and Your Retirement Strategy

An insurance product may appeal to pre-retirees who want to invest more of their current incomes for retirement and defer taxes on market gains. A variable annuity enables investors to pursue investment gains with the option to purchase guarantees (for an additional cost) to help protect against the downside risks of investing in the markets.

Put It in Writing

A high level of job satisfaction is fairly typical of business owners, but it can also be a hindrance if it keeps them from thinking about a planned exit strategy. A written exit plan could help you avoid surprises.

Ways to Save More

About two out of three American workers are saving for retirement, but less than half are confident that they will save enough money to live comfortably during their retirement years. This article includes suggestions for readers to take small steps that could make a big difference when they are ready to retire.

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