A monthly newsletter brought to you by Treece Financial Group | # 55 | December 2018
Holistic | Welcoming | Advocacy-Oriented Financial Planning
Grab a cup of coffee …
find a quiet space …
and give yourself the gift of getting your personal finances organized for 2019 !

Now is an ideal time to do a year-end check-up of your financial health. Top areas to look at include:

  1. Review your tax plan in light of The Tax Cuts and Jobs Act (access tip sheet now)
  2. Check the status of all retirement accounts
  3. Confirm investment goals and strategy based on your risk tolerance (determine yours now)
  4. Identify material changes in life, business, or financial circumstances that may require insurance adjustments (assess your needs now)
  5. Review and update beneficiaries
  6. Ensure details about important documents are easy to find with our "Survivor's Guide: Financial & Legal Document Organizer"


You're Invited to Our Biggest-Ever Holiday Party: An Authentic Colombian-Style Experience!

Food by Flavors by Jose Mejia • Colombian Dance Troupe
La Noche de las Velitas (Night of the Little Candles) Ceremony
Master of Ceremonies Telemundo Actor Rodrigo Aragon

Sunday, December 9, 4-9 p.m. at the home of David Treece & Luis Gonzalez Etchevest, 801 NE 74th St., Miami
What do you know about the world's quirkiest holiday traditions? 

Take this fun quiz to find out! Then, be sure to RSVP to join us at our annual holiday party!
David Treece Featured in Washington Post Long-Term Care Article

“I have learned nothing will ruin a retirement plan faster than long-term care expenses,” Treece wrote. “Try having to come up with nearly a third of a million dollars like my client[s] if you don’t have coverage. It’s just unimaginable for most people. My biggest concerns for my clients are a group I call ‘the alones.’ These are people who have no spouse, no children, no close siblings and really nobody else. They can’t even name a beneficiary let alone someone to serve as a power of attorney or health-care surrogate. This group seems to be increasing as so many people never had children, are divorced or never married, or are estranged from family. Who is even going to help them? Our society isn’t really set up for this, and I don’t see any easy solutions.”

It was the best of times ...
It was the worst of times ...
Concerned about what 2019 may bring?
We can help you invest your portfolio amidst economic uncertainty.

Many investors are concerned about recent economic forecasts that predict significant slowing of economic growth and higher interest rates in 2019 and their possible affect on the stock market, but don’t want to just sit it out while the market is still going strong.  

No matter what happens, one thing is for certain— there will be change!

You don’t have to ride a volatile market to the bottom.

Treece Financial Group is here to give you advice about flexible and innovative financial solutions, including …

  • money managers who offer investment strategies that can go into cash positions in event of a crisis to try to preserve your investment* 
  • market-linked CDs that are guaranteed by the FDIC up to $250,000**
  • fixed, variable, and indexed annuities and other insurance products***

Is it time for you to review your portfolio?

Call me today for objective and personalized financial advice with your best interests at heart. 
*Investments in securities do not offer a fix rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested. No system or financial planning strategy can guarantee future results.  

** Investments that exceed the FDIC limit are subject to the credit risk of the bank, it is the responsibility of the investor to consider the total deposit held with their bank when reviewing FDIC coverage. Returns may be less than that of traditional CD's or debt instrument of comparable maturity. MILCD's typically do not offer periodic income; investors with current income needs should not invest in Market Linked CD's. Market-Linked CD's offer limited liquidity, as there is no secondary market without guarantee that early redemption may be allowed. Such early redemptions are subject to loss of principal and penalties as outlined in their Disclosure Statement.
Index annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index annuity for its features, costs, risks and how the variables are calculated.
Guarantees are based on the claims paying ability of the issuer.
Investments are: *Not FDIC/NCUSIF insured * May lose value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency. Cetera is under separate ownership from any other named entity.

*** There is a surrender charge imposed generally during the first 5 to 7 years that you own the contract. Withdrawals prior to age 59 ½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company. Investment sub-account values will fluctuate with changes in market conditions.
Investors should consider the investment objectives, risks and charges and expenses of the variable annuity carefully before investing. An investment in a variable annuity involves investment risk, including possible loss of principal. Variable annuities are designed for long-term investing. The contract, when redeemed, may be worth more or less than the total amount invested. Variable annuities are subject to insurance-related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying sub-accounts. The prospectus contains this and other information about the variable annuity. Contact David Treece at 10800 BISCAYNE BLVD, SUITE 725, MIAMI FL 33161 or (305) 751-8855 to obtain a prospectus, which should be read carefully before investing or sending money.

Registered Representative: Securities and Advisory Services offered through Cetera Advisors LLC, member FINRA/SIPC. Cetera is under separate ownership from any other entity.