SGROI FINANCIAL. Contact us if you are interested in getting access to our new Client Portal

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1 the SGROI FINANCIAL N E W S L E T T E R INVESTMENTS ANNUITIES ESTATE PLANNING IRA S 401K PLANS 403(b) PLANS ROLLOVERS INSURANCE Sgroi Financial New Client Portal Streamline Information Acce Volume 5 Number 2 SPRING 2015 If time i money, Sgroi Financial LLC, an independent, comprehenive financial planning firm, ha jut aved it client a bundle. With the launching of it newet web baed conumer communication tool, Client Portal, client will have a treamlined view of all their aet under Sgroi Financial management. The reaoning behind Client Portal i to give client a totally ecure, imple and eay to undertand way to acce both general and pecific invetment account information. Reviewing fund performance, from three month to five year in real time, i alo an option. In addition, Client Portal contain Contact u if you are intereted in getting acce to our new Client Portal improved content management oftware that will allow the Sgroi Financial taff to quickly update important information. Client Portal give Sgroi Financial client every advantage. There i no additional charge for thi upgraded ervice. Bigger, Better, Brighter, Fater... we re alway looking for way to enhance the client experience. Bigger, Better, Brighter, Fater... we re alway looking for way to enhance the client experience. aid Sgroi Financial Preident, Patrick The Sgroi Financial i the quarterly newletter of Sgroi Financial LLC 965 Union Road Wet Seneca, New York Editorial Team: H. Joeph Sgroi CLU, ChFC, Founder Patrick J. Sgroi, Preident pat@groifinancial.com Jeffrey M. Sgroi, Vice Preident & CFO jeff@groifinancial.com John G. Clouden, Vice Preident johnc@groifinancial.com Summer M. McKellar, Director of Reearch and Office Development ummer@groifinancial.com Deign & Production: Leith Deign Group, Leith Chamberlain Sgroi. They deerve the bet and that will alway be our motivation. Recently, Sgroi Financial wa ranked by Buffalo Buine Firt a the 12th larget financial planning firm in Wetern New York, in term of aet under WNY management. Nationally, The Winner Circle, a appeared in Reearch Magazine, placed Sgroi Financial in their Top 25 Family Team, ranking them 14th. Currently, there are even member of the family working for the firm. For more information on Sgroi Financial, LLC, the launching of their new web baed conumer communication tool, Client Portal, Cadaret, Grant & Co., Inc. or any invetment, retirement planning, college planning or individual or group inurance quetion, pleae contact Sgroi Financial, LLC 965 Union Road, Wet Seneca, New York 14224; telephone or , fax , go to their webite at or info@groifinancial.com. Securitie offered through Cadaret, Grant & Co., Inc., Member - FINRA/SIPC - Sgroi Financial, LLC & Cadaret, Grant are eparate entitie.

2 Doing What Bet for the Client. Independence and Our People are the Difference M uch i being aid lately, from the pre a well a from the current adminitration, about financial planner not putting their client interet firt. Some claim exceive broker fee and conflicting advice amount to billion in extra charge for retirement invetor in the United State and ugget tighter regulation for financial profeional concerning their fiduciary duty. Thi claim may be true at ome other financial planning firm, but I can tell you from day one, over forty year ago, the entire Sgroi Financial philoophy ha and continue to hinge on doing what bet for the client. It tart with the advantage only a truly independent, comprehenive financial planning firm can offer. Working with only our client bet interet in mind i the independent difference. Patrick Sgroi, Preident Inurance companie or large financial intitution don t dictate action; you do. It alo mean greater choice. Our partnerhip with thouand of unique, top rated mutual fund, invetment companie, inurance companie and real etate firm put the bet product and the mot exceptional financial expert at your fingertip enuring greater quality and diverity for your aet. It end with the financial planner and adminitrative upport taff we hire. Each member of the Sgroi Financial Team contribute vital role in the development and monitoring of your invetment. Planner regularly meet to facilitate the management of your portfolio. A market condition dictate, inightful deciion and modification are dicued and implemented a a group. Alone with elite financial planner, an extenive, ympathetic upport team (eight time the indutry average), guarantee you unparalleled level of aitance. So, although theoretically, we never like to ee more regulation in our indutry, it won t affect u and what i more important, you, in the leat. Vive la différence. Jennifer L. Jurek, CFP How to Beat the IRS... and Invet in a Roth IRA With April 15th behind u, it time to tart tax planning for The Roth IRA i one of the bet option for tax free income in retirement. Unlike Traditional IRA, your contribution to a Roth IRA are not deductible, but if you have owned your Roth IRA for 5 year and are at leat 59 ½, then the earning in your Roth IRA are completely tax free upon withdrawal. Currently, eligibility begin to phae out for ingle filer with modified adjuted gro income of $116,000 and at $183,000 for thoe married filing joint. For ome, thee income limit prevent them from contributing to a Roth IRA. However, there i a back door trategy where high-income earner can contribute firt to a non-deductible Traditional IRA then convert to a Roth IRA. Prior to 2010, if your earned income wa more than $100,000, you were diallowed from doing a Roth converion. Many are unaware that the rule have changed and anyone, regardle of income, can convert a Traditional IRA into a Roth IRA. Although it a 2-tep proce and it require that you file an additional tax form (form 8606) and pay tax on the amount converted, the benefit of a tax free pool of money in retirement are well worth jumping through hoop for! Contribution limit for 2015 for a Roth IRA are $5,500 if you are under the age of 50. Age 50 and over allow for an additional $1,000 catch-up contribution. Other benefit of a Roth IRA include; no mandatory required minimum ditribution at age 70 1/2, contribution don t have to top when you are 70 ½, and the money pae tax free to your beneficiarie. Pleae call your planner today to dicu how you too can invet in a Roth IRA.

3 Market Recap... In the firt quarter of 2015, world market increaed an encouraging, but tepid 2.3%. Specifically, Japan grew by 10% and Europe wa up 4.5%. Underwhelmingly, the US (S&P 500) wa up le than 1% at.95%. The price of oil continued to drop (another 10%) to $47 a barrel. The price of gold decreaed to $1,183 an ounce by quarter end a the US dollar continued to rally 12.7% againt the Euro. Depite the progreive international market performance, there are till a few concern that have not been alleviated. Hitorically high debt level in everal developed market will mot likely be a growing concern a GDP growth continue to tay low internationally. Dometically, unemployment number have dropped coniderably (from 10% to 5.5%). Thi normally indicate a growing economy (GDP growth above 3%), however, our economy ha Long term invetor will benefit from HIGHER RATES, but hould be prepared for VOLATILITY while rate NORMALIZE. grown only 2-3%; implying a le than 2% growth rate after inflation i factored in. A mot invetor can agree, concern for the bond market alo continue. It not a quetion of if but when interet rate are going to go up (cauing bond price to go down a they have a negative correlation). Due to the low unemployment number and the [albeit low] growth of the US economy, the Federal Reerve Chairman, Janet Yellen, ha tated that he plan to tart riing rate a early a September of thi year. If and when that happen, traditional bond may experience price volatility. We believe, however, if rate continue to rie, it will be a good ign of a trengthening US economy. Long term invetor will benefit from higher rate, but hould be prepared for volatility while rate normalize. With a trategically diverified portfolio, invetor can find there are till many opportunitie for healthy return. We trongly encourage all of our client to make an appointment if they have not been in for a review within the lat year. Thi enure you are inveted properly for thee changing market condition. A alway, the Sgroi Team i here to anwer any quetion you may have. If economic condition continue to improve, a the [Federal Open Market] Committee anticipate, the committee will at ome point begin conidering an increae in the target range for the federal fund rate on a meeting-by-meeting bai. Before then, the committee will change it forward guidance. Janet Yellen

4 John Clouden RETIRING IN Wetern New York After the winter we experienced thi pat year, i it any wonder the trend of now bird leaving WNY i catching on? Studie indicate 20% of thoe currently working in Erie County are Extremely Likely to leave the tate in retirement. Wetern New York i alo not the mot Senior Friendly citie in the US. Public tranportation i limited, affordable enior care and houing i hard to come by and harh winter make it difficult for enior to maintain their home without profeional help. So what keep the other half of retiree tied to their root? For the majority, for better or wore, it family. Of coure, grandparent want to ee their grandchildren kindergarten graduation and take them to the occational ball game, but many time enior leave the work force to be the care giver to an adult relative. Of thoe urveyed, 55% aid they had taken care of an adult relative within the lat five year. With longevity continuing to increae, enior taking care of enior i becoming even more the norm. What can you do to prepare for thi new reponibility in retirement? Open line of communication: Talk to your aging relative (while they are till fully functional) about the benefit of an agreeable health care proxy, a comprehenive power of attorney and their oon to be increaing need for long term care. Delegate: Deignate one family member to be in charge of each houehold reponibility. Maintenance of the home, taking care of the bill and caring for the individual hould be aigned to different partie. Undertand the Finance: Talk to a financial planner about the everal way to bet prepare for the riing cot of long term care. There are Long Term Care Inurance option which cover the cot aociated with a nuring home or for an in-home nure. There are alo many planning technique to pa aet to beneficiarie through more complex etate planning trategie. If you have a plan in place before your loved one need additional help, you will be able to enjoy a more relaxing retirement of your own. Probate i the proce of ditributing aet through a Will. If a peron pae away with aet valued at $30,000 or more their etate will need to go through probate. Proceed in New York Surrogate court, probate can be a very time conuming and cotly proce. There are a few imple tep that can be taken to have your aet avoid probate in the future. If you have a beneficiary on a Retirement account, Life Inurance or Annuity, the aet will avoid probate and go directly to the beneficiary on file. After-tax invetment account, Mutual fund and Stock can have a TOD (Tranfer on Death) Avoid Probate: Properly Label Account deignation on them. TOD account will alo avoid probate and tranfer directly to the beneficiary. A newer more commonly overlooked method i what called a POD (Payable on Death) thi ha the ame affect effect a a TOD but it for Bank Account. The above 3 example are quick imple form to be filed with the repective financial intitution, uually requiring only a ignature and your beneficiarie information. Properly labeling account i a little change that can make a big difference. Certified Financial Planner TM and a Dave Ramey Endored Local Provider for Inveting, Jeffrey Haxton take pride in developing a financial plan tailored to each client peronal need.

5 Shawn McLaughlin Are 529 Plan till a good invetment? Whether for your children or grandchildren, New York State 529 Education Saving Plan have been a great way to ave for college. Recently propoed legilative change, however, could affect the appeal of thee aving vehicle. In the pat, if a grandparent wa the owner of the account, the plan would not affect the tudent financial aid. Now, being an owner of a 529 for a grandchild will not affect their financial aid, but any ditribution from the account for college tuition and qualified expene will count toward the child FAFSA form for the following chool year. Thi could dratically reduce financial aid by up to 50%. There are everal option Summer M. McKellar Social Security hould be a ignificant conideration when identifying an individual retirement income. 52% of married couple and 74% of unmarried peron receive half or more of their income during retirement from Social Security. The problem i mot people have not explored different filing option to maximize their benefit. An individual can tart collecting Social Security at age 62. If that route i taken, your benefit will uffer a 25% reduction compared to waiting until your full retirement age (range from age depending on date of birth). If you wait longer than full retirement age, your benefit will grow by 8% per year until age 70. If you are married, there are additional trategie that you may be able to benefit from. For example, omeone at full to avoid negative financial aid uing it toward a qualified ramification... higher education expene. 1) Tranfer the account into Earlier thi year, Preident the parent name. Thi make Obama propoed a change in the aet already accounted legilation that would eliminate the tax free withdrawal for when applying for FAFSA, o it wouldn t lower aid over even if ued for qualified time and create more clarity for education expene. If the future year. plan would have paed, the 2) Another option i waiting withdrawal would be taxed to take a ditribution until the a normal income. Since it lat year of college. Since a would be conidered taxable ditribution will only impact income, it would be lited on next year FAFSA form, if you your next year tax return take thi ditribution in the lat which then in turn could year of chool, it would have lower your FAFSA a well. no negative affect on total Thankfully, that legilation financial aid. wa voted down and for now, One of the perk of a plan are till a great i that you can withdraw the way to ave and grow fund money, tax free if you are for education. Social Se Get the mot from your Social Security payment retirement age could employ the File and Supend trategy. Thi may allow your poue to tart collecting their poual benefit (50% of your income) while you continue to allow your benefit to grow 8% a year until age 70.Your benefit would be 132% of what it would have been at full retirement age. At the death of a poue, the urvivor get the greater of their own benefit OR that of the deceaed. For example, ince 8 out of 10 men leave thi planet before Social Security their wive, if he wa the higher income earner and had the reulting higher Social Security benefit, thi deciion could greatly affect the financial independence of the urviving poue. For divorced individual, you are able to collect on your ex-poue work hitory a long a you were married for at leat 10 year. Your ex-poue doe not need to already have filed and will not be notified if you collect on their record. Sgroi Financial continue to offer a free Social Security Maximization Analyi for anyone that i intereted. Pleae contact our office to take advantage of thi FREE ervice!

6 Sgroi Financial, LLC 965 Union Road Wet Seneca, New York or Fax: Quarterly Quetion How OFTEN do you think you will USE the NEW CLIENT PORTAL? 1: Daily 2: Once a month 3: Every few month 4: I prefer paper: probably won t ue thi ervice Submit your anwer to: promo@groifinancial.com for a chance to win. Winner will be drawn at random and given a gift certificate to Ebenezer Ale Houe. PRSRT STD US POSTAGE PAID BUFFALO, NY PERMIT #2954 Financial Roundup... LONG BONDS-Mexico old 100-year government bond lat week, the 3rd time ince 2010 that Mexico ha old 100-year bond but the 1t time the debt offering wa tranacted in Euro. The bond mature in March 2115 with a yield of 4.2%. We figure the only people who hould be intereted in thee bond hould plan to live to be at leat 140 year old. EXCESS CASH TO SPEND-Vacation home ale in the United State have increaed from 553,0000 in 2012 to 717,000 in 2013 to 1.13 million in 2014, i.e., vacation home ale have doubled in the lat 2 year. ALMOST SEVEN YEARS-The nation unemployment rate of 5.5% in March 2015 wa the lowet in the country ince May FIVE YEARS LATER-A of Friday 4/24/15, only 4 bank in the United State have failed YTD and required a bailout from the Federal Depoit Inurance Corporation (FDIC). A of the ame date in 2010, 57 bank had failed YTD.

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