Thiesen Dueker Group 

The time has changed and the days have gotten longer! For some, this is the best time of year; longer day's means more time can be spent outside in beautiful weather with family and friends.

We have had some welcomed changes within our office; We have added a new advisor to the Thiesen Dueker team. Matt Merzoian was no stranger to our office. He has been an independent advisor here for over 3 years and has now decided to join us as a Partner in our Retirement Plan Services Division.

We are also excited to share that the Thiesen Dueker team is going to grow by two little feet. Our long time Client Services Associate, Tess Ward and her husband Stanley will be welcoming their first baby this summer. We can't wait to meet baby BOY Ward!

You may now call our Director of Operations, Te Shardlow, Grandma Te. Te became a first time, proud grandma at the end of the year. She is enjoying every second of snuggle time with her sweet grandson, Liam. Welcome to the world Liam!

What's Changing for You?

We feel that it is so important knowing what is happening in the lives of our clients, professionally and personally. What's changing for you?  Are you changing jobs?  Are you retiring soon?  Have you recently married or expanded your family?  Knowing what's changing for you helps us help you. We encourage you to keep us updated so we can help keep you moving forward toward your financial goals.

Bowling for Charity! 

Our annual Bowling for Charity event, held in February, was another successful event for the books. We had a great turn out and raised a generous amount from our friends, colleagues and clients for the Marjaree Mason Center, Valley Caregiver Resource Center and the Freewheel Project. It's a great time with food, friends, 4 hours of bowling and a silent auction as well as many opportunities to win prizes! Mark your calendar for next year, February 24th, 2017. You won't want to miss out!

Thiesen Dueker Seminar Series
Don't forget that we offer an informative seminar series almost monthly throughout the year. We have discussed the 2016 Market Outlook, Social Security as well as Estate Planning so far.  Stay tuned for our April Seminar Topic. We would love to have you join us in our Fresno office and bring a friend or family member who we haven't yet had the pleasure of meeting. 

The Big Rocks of Life

The f ol lowing story is one that's been circulating for a while. I  believe it holds a very im portant message  regarding app ropriately setting priorities in our lives.

A professor of philosophy stood before his class with some items in front of him. When the class began, wordlessly he picked up a large empty mayonnaise jar and proceeded to fill it with rocks about two inches in diameter. He then asked the students if the jar was full.

They agreed that it was full.

So the professor then picked up a box of pebbles and poured them into the jar. He shook the jar lightly and watched as the pebbles rolled into the open areas between the rocks. The professor then asked the students again if the jar was full.

They chuckled and agreed that it was indeed full this time.

The professor picked up a box of sand and poured it into the jar. The sand filled the remaining open areas of the jar. "Now," said the professor, "I want you to recognize that this jar signifies your life. The rocks are the truly important things, such as family, health and relationships. If all else was lost and only the rocks remained, your life would still be meaningful. The pebbles are the other things that matter in your life, such as work or school. The sand signifies the remaining "small stuff" and material possessions.

If you put sand into the jar first, there is no room for the rocks or the pebbles. The same can be applied to your lives. If you spend all your time and energy on the small stuff, you will never have room for the things that are truly important.

What are the big rocks in your life? A project that you want to accomplish? Time with your loved ones? Your faith, your education, your finances? A cause? Teaching or mentoring others?  Pay attention to the things in life that are critical to your happiness and well-being. There will always be time to go to work, clean the house, or fix the disposal. Take care of the rocks first - things that really matter. Set your priorities. The rest is just pebbles and sand.
The Chapters of Retirement
The five phases of life after 50 & the considerations that accompany them.
The journey to and through retirement occurs gradually, like successive chapters in a book. Each chapter has its own things to consider.
Chapter 1 (the fifties). At this stage of life, retirement becomes less like a far-off dream and more like a forthcoming reality. You begin to think about when you can retire, and about taking the right steps to retire comfortably.  
By one measure, men have their peak earning years in their mid-fifties. Data from the Federal Reserve Bank of New York shows the median male worker earning 127% of his initial salary at that time. The peak earning years for women are harder to statistically gauge, as some women leave the paid workforce for years-long intervals. In inflation-adjusted terms, earnings actually peak earlier in life. PayScale estimates that on average, pay growth for women flattens at age 39 (at a median salary of $60,000), and at age 48 for men (at a median salary of $95,000). So by the fifties, many people are receiving raises to keep up with the cost of living, but essentially earning the equivalent of what they made a decade or more ago.1,2
During your fifties, you may contend with "lifestyle creep" - the phenomenon of your household expenses growing along with your pay raises. These increased expenses may include housing costs, education costs, healthcare costs, even eldercare costs. Despite these financial strains, the inflow of new money into retirement accounts must not cease; your retirement plan assets should not be drawn down through loans or withdrawn too early. 
Chapter 2 (the early sixties). The anticipation builds at this point; you start to think about the process of retiring and the precise financial and lifestyle steps involved. You also begin to think about the near future - not only what you will do next, but how you will do it.
According to the Center for Retirement Research at Boston College, the average American man now retires at age 64, the average American woman at age 62. So the reality is that the early sixties coincide with retirement for many people.This reality is worth noting in light of the difference between Americans' envisioned and actual retirement ages. Last April, a Gallup poll asked pre-retirees when they expected to leave the workforce: 37% saw themselves working past 65, 32% before 65, and 24% at 65. The same poll asked older, retired Americans when they had stopped working full-time, and 67% of those respondents said they had done so before 65.3,4
You may have to act on your plans to volunteer or start an encore career earlier than you think. If you do not have a set plan for the next chapter, a phased retirement may give you more of an opportunity to determine one.
This is also a time to dial down risk in your portfolio, especially if a bear market occurs right before you retire. You have little time to recover from a downturn.
Chapter 3 (the start of retired life). The first year or so of retirement is akin to a "honeymoon phase" - you have the time and perhaps the money to pursue all kinds of dreams. The key is not to spend wildly. Lifestyle creep also affects new retirees; free time often means more chances to spend money.
The good news is that you may spend less than you think. Transportation, insurance, housing, clothing and food costs may all decline. The common view is that you will need to live on 80% of your end salary for a comfortable retirement, but in a 2014 T. Rowe Price survey of retirees, the average respondent was living on 66% of his or her pre-retirement income. Eighty-five percent of those retirees said they were maintaining their standard of living with less money.5
Chapter 4 (the mid-sixties through the late seventies). This is when some people get a little restless. It is also when some people find their retirement savings growing disturbingly smaller. You may get bored with all-leisure, all-the-time and want to volunteer or work on your own terms, health permitting. You may want to adjust your retirement income strategy or see if new streams of income can be arranged.
Chapter 5 (eighty & afterward). The last chapter of retirement is one frequently characterized by the sharing of legacies and life lessons, a new perspective on the process of living and aging, and deeper engagement (or reengagement) with children and grandchildren. This is also the time when you should think about your financial legacy, and review or update your estate plan so that when you leave this world, things are in good order and your wishes are followed.
Before and during your retirement, it is wise to keep in touch with a financial professional who can guide and consult you when questions about income, investments, wealth protection, and wealth transfer arise.
This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.
1 - [6/18/15]
2 - [1/30/14]
3 - [3/15]
4 - [4/29/15]
5 - [7/30/14]
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Market Stats As Of 
Mar. 29, 2016
Dow Jones   +0.29%
Nasdaq   +1.15% 
S&P +0.49%
US Treasury Yield
Last Yld
3 mo. 0.25%
5 yr. 1.30%
10 yr. 1.82%
30 yr. 2.61%
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Meet Matt Merzoian
After founding Matt Merzoian Retirement Plan Advisory Services, and working independently out of the Thiesen Dueker Fresno Office, Matt decided it would benefit him and his clients to become a member of our team. For more than 20 years, Matt has specialized in retirement plan consulting and advisory services. He first joined John Hancock Financial Services as a Registered Representative, providing financial products and services to individuals and businesses. He soon shifted his focus to establishing and servicing 401(k) retirement plans. Many of his clients have been with him for more than 20 years, and he is genuinely proud of these longstanding relationships.

Matt's mission is to assist businesses of all sizes to implement retirement plan benefit programs with the highest standards of professionalism and service. His goal is to ensure that all fiduciary standards are upheld and maintained, and that each retirement plan meets the employer's expectations and their employees' retirement needs.
Jeff Thiesen
Partner & LPL Financial Consultant

Lance Dueker
Partner & LPL Financial Consultant

Jasin Carlen
Partner & LPL Financial Consultant

Tom Fife
Partner & LPL Financial Consultant

Conrad Fournier
Partner & LPL Financial Consultant

Matt Merzoian
LPL Financial Consultant & Partner, Retirement Plan Services Division

Holly Bare
LPL Financial Consultant & Partner, Retirement Plan Services Division

Thomas Frost
Associate & LPL Financial Consultant

Jason Link
Associate & LPL Financial Consultant

Brian Nunes
Associate & LPL Financial Consultant

Ronald Young
Associate & LPL Financial Consultant

Ryan Purkiss
Associate & LPL Financial Consultant

Michael Muhareb
Associate & LPL Finanical Consultant

Tom Morgan
Associate & LPL Financial Consultant

Stephen Spach
Associate & LPL Financial Consultant

Vince Mastro
Associate & LPLWealth Advisor 

Tuan Tran
Associate & LPL Financial Consultant

Kimberly Choi-Lindley
LPL Registered Client Services Associate

Jamie Davis
LPL Registered Client Services Associate

Tess Ward
Client Services Associate

Maday Diaz
Client Services Associate

Diana Kliewer
Client Services Associate

Rebeka Leighton
Client Services Associate

Carol Matalon
Client Services Associate

Layla Murphy-Long
Client Services Associate

Michelle Shepherd
Client Services Associate

Shaley Reagan
Retirement Plan Services Assistant

Tammie Sitton
LPL Client Services Associate

Te Shardlow
LPL Director of Operations

Brooke Simmons
Chief Compliance Officer
LPL Financial Consultant

Shannon Stewart
Director of Marketing Communications


 Retirement Planning
  • Traditional/Roth IRAs
  • Simple/SEP IRAs
  • IRA Rollovers and     IRA Consolidations
  • 401(k), 403(b), Profit Sharing and Defined Benefit Plans
  • Income Distributions and RMDs
Financial Strategies
  • Comprehensive and Modular Financial Plans
  • Risk and Insurance Analysis
  • Wealth Accumulation and Income Planning
  • Personal, Family and Charitable Trusts
  • Private Trust Services* 
Investment Management
  • Asset Allocation Modeling
  • Investment Manager Search and Selection
  • Performance Monitoring
  • Institutional Research

 Educational Funding

  • 529 Plans
  • Education Savings Accounts
  • Custodial Accounts

 Investment options and tools

  • CDs and Money Market Funds
  • Tax-advantaged Municipal and Treasury Bonds
  • Domestic and Foreign Stock and Bonds
  • Mutual Funds, Unit Trusts and ETFs
  • Fixed and Variable Annuities
  • Insurance - Life, Long-Term Care and Health
  • Alternative Investments - REITs

 *LPL Financial representatives offer access to trust services through The Private Trust Company N.A., an affiliate of LPL Financial.  

Important Dates:

June 20th, 2016 
Thiesen Dueker Golf Tournament

October 6th, 2016
Open House at our Fresno Office

December 1st, 2016
Toys For Tots Event

February 24th, 2017
Bowling For Charity 
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The Financial Consultants at Thiesen Dueker Group are also registered representatives with, and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC