In This Issue:

Kelly S. Olson Pedersen, 
CFP®,  CDFA
7825 Washington Ave., Suite 625
Bloomington, MN 55439
Main Line: 952-777-2270
TORPEDO PROOFING RETIREMENT VISIONS 
Expect more from your financial advisor.
A Note From Kelly

Happy Holidays!  

Happy New Year!!  As 2015 came to a close, so did an anxious market. China and the Fed have roiled market anxieties and thus started the 2016 year off in a breathtaking manner. Please see our market recap in the link below. 

I hope everyone had a great Holiday season in December celebrating anything and everything you have to celebrate. Caissa decided to swap out our traditional Holiday tradition of thanking our clients and colleagues with goodies for gifting gifts to your favorite charities.  

We started the "Five Days of Giving" on December 19 th and proceeded to gift $400 a day to the charity that was voted the most on our Facebook page, an email or a call.   Thanks to all of you who voted, Caissa found some wonderful new charities to be a part of.  The charities that received the gifts were: Let's Go Fishing, Wounded Warriors, Salvation Army, Opportunity Partners and 363 Days (Allan Law).  

We look forward to continuing this tradition next year. As you run across great programs in need of help, please let us know! 

Kelly 
China Woes and the Fed
The first week of 2016 opened brutally with the Dow and the S&P having the worst first week of the year ever
China was the main headline for cause with their currency devaluations and market struggles which was much of what we have already experienced in August of 2015. The volatility was mostly caused and exacerbated with the Chinese 'young' market and their improperly aligned circuit breakers.

Dear Powerball Winners, 
Take our advice and take the annuity
So let us suppose, reader, that you have won Wednesday's $1.5 billion Powerball jackpot. Congratulations! You have some important decisions to make, such as what ailing magazine to acquireand what congressional seat your spouse should run for. But first, you must choose whether to take the prize as an annuity paid over 30 years, or a lump-sum payment right now.


CAISSA Wealth Strategies
7825 Washington Ave., Suite 625
Bloomington, MN 55439
Main Line: 952-777-2270

Expect more from your financial advisor.