Independent Services - Financial and Insurance

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="center" width="1%" valign="middle"> <img src="/files/2635/samnlaura_sm_emrld.jpg" alt="Independent Services - Financial and Insurance" height="146" width="160" border="0"> </td> <td> <img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" border="0"></td> <td align="left" valign="middle" width="99%"> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b>Sam Granato & Laura Leavitt</b> <br> <br>1275 S. Winchester Blvd. Ste. B <br>San Jose , CA 95128 <br>Phone: (408) 249-4611 or (800) 343-9174 <br>FAX: (408) 243-9695 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email: <br> <a href="mailto:info@samnlaura.com"> info@samnlaura.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p>Sam Granato and Laura Leavitt, Certified Financial Planner<sup>®</sup> are committed to maintaining long-term relationships with investors. They provide a broad range of customized financial services and products based on their clients' needs. From education and retirement planning to annuities, and insurance, they can assist you with all of your investment needs. It is their goal to help investors develop strategies to work towards their personal objectives. </p> <p>Together, Sam and Laura evaluate investment profiles and current portfolios, design personalized investment strategies, and keep clients up to date on the status of their accounts.</p> <p>Call or e-mail Sam and Laura today. Find out how their financial services can help you work towards building confidence, security and prosperity.</p> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/6/TA11_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/6/TA11_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/6/TA11_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=131" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Savings Accumulation</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate the future value of your current savings.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=133" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Tax-Deferred Savings</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Compare the potential future value of tax-deferred investments to that of taxable investments.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=136" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Cost of Retirement</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate how much income and savings you may need in retirement.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/6/TA11_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3335" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Do You Have Enough Disability Coverage</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Disability can affect anyone without notice, and a well-paid professional in the midst of a productive career has much to lose if he or she suffers a medical problem and is unable to work. But there are ways that high earners can expand their coverage and help ensure that their income, assets, and lifestyle are not at risk from a potential disability. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2835" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Using a Variable Annuity for Guaranteed Income</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> One recommendation from the White House Task Force on Middle Class Working Families was for retirees to consider purchasing annuities to help provide a stable income. Investors who want their retirement portfolios to go the distance might want to learn more about variable annuities.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2888" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Tips for Surviving the Estate Tax</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The federal estate tax was reinstated retroactively to January 1, 2010, by the 2010 Tax Relief Act. However, the favorable provisions are scheduled to expire at the end of 2012, when estates exceeding $1 million could be subject to the federal levy.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3333" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Keeping Pace with Social Security </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> In 2012, Social Security beneficiaries will receive a 3.6% cost of living increase for the first time in three years. But a recent study suggests that benefits are lagging far behind real expenses. This article explains how Social Security benefits are indexed and what older workers and retirees might expect from the program in the future. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/6/TA11_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/6/TA11_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>May 21, 2012 @ 01:12 PM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,829.87</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 51.08</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 1,309.51</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 14.29</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$NYA" target="mondo"><strong>NYSE Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 7,504.66</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 76.91</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$XAX" target="mondo"><strong>AMEX Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,227.91</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 18.38</strong></font></td></tr> <tr><form action="http://www.emerald.idmanagedsolutions.com/stocks/quote?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© Interactive Data Managed Solutions (NYSE:IDC) All rights reserved.</font></td> </tr></table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/6/TA11_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/6/TA11_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/6/TA11_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/6/TA11_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/6/TA11_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/6/TA11_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/6/TA11_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/6/TA11_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> <tr><td colspan="3"><br> <p align="center">Securities and investment advisory services offered through ING Financial Partners, Inc., member <a href="http://www.finra.org" target="_blank">FINRA</a>, <a href="http://www.sipc.org" target="_blank">SIPC</a>. </p> <p align="center">Federal and state insurance and securities rules and regulations prohibit registered representative(s) and/or investment adviser representative(s) from soliciting, offering and selling any insurance or securities products or providing investment advice until they are properly registered and licensed in each state jurisdiction.</p> <p align="center">The registered representative(s) and/or investment adviser representative(s) listed on this website are licensed and registered in the following states:</p> <p align="center">We are licensed to sell Insurance Products in CA.</p> <p align="center">We are registered to sell Securities in CA.</p> <p align="center"> [ <a href="/files/INGFP_Online_Privacy_Policy.pdf" target="_blank">Online Privacy Policy</a> | <a href="/files/INGFP_Important_Disclosures.pdf" target="_blank">Important Disclosures</a> | <a href="/files/Online_PP_IFP_Alone_10_2009.pdf" target="_blank">Privacy Promise</a> | <a href="https://www.orderroutingdisclosure.com/orderrouting/jsp/main/NYSE.jsp?CorrName=ING%20FINANCIAL%20PARTNERS%20INC" target="_blank">Order Routing Disclosure</a> ]</p> <br /><br /> </td></tr></table></div></body></html>