Thiesen Dueker Group | Extra Point eUpdate 
Thiesen Dueker News & Updates
Welcome Fall!

October has arrived, bringing cooler weather, tricks, and treats. Ghouls and Goblins are not the only thing to look out for as the leaves start to fall, as cyber attackers are out and about as well.

October is National Cyber Security Awareness Month, a great time to bring cybersecurity to the forefront, as we reflect upon how we use technology in a safe manner every day at work. The Department of Homeland Security designated the month as a way to raise awareness about the importance of cybersecurity and provide tools and tips to stay safe online. This Stop. Think. Connect. Toolkit provides resources ranging from activity sheets for children to a Smartphone Security Checker. Take a look here: https://www.dhs.gov/stopthinkconnect-toolkit

At the end of the day, most cyber-attacks rely upon an individual to make a mistake; click a link, open a file, share too much information. Remember, by staying vigilant and aware, you keep yourself safe and secure. Let's make Halloween full of treats, not tricks, and keep up the great effort in staying secure.

During the past several weeks, we've seen news headlines dominated by everything from extreme weather to heightened geopolitical risks, with speculation on policy changes in the U.S. an ongoing hot topic. With so many events competing for our attention, how do we know where to focus?

As investors, it's important that as we acknowledge the impact of these worldwide events, we remember to separate our personal sentiment from our investment strategy. This can be easier said than done, which is why it's important to rely on trusted economic and market indicators to guide us in the right direction. In other words, focus on fundamentals. The fundamental backdrop for the economy and markets continues to look solid, indicating that the market should be able to weather the ups and downs brought on by the dizzying news flow. Earnings estimates remain strong and economic indicators suggest that the potential for a recession this year or next remains low-both of which reduce the odds that a small correction turns into a big one.

Our emotions naturally tend to influence our actions, but with a well-thought-out plan and the right guidance, we can ensure that we stay on course to reach our goals. As always, please contact Thiesen Dueker with any questions you may have.

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Make-A-Wish

Our Open House in September was a great success! As always, it is important for those of us at Thiesen Dueker to give back within the communities we service. Our Fresno Office partnered with Make-A-Wish of Central California. We adopted Mia's wish to visit Disneyland and meet Mickey, Minnie and all of the Princesses. We had a beautiful evening with some amazing guests who raised $4,315 for Mia's wish! Thiesen Dueker matched that, which will be well over what is needed for Mia - $8,630! The rest of the money raised will go to another child's wish. Thank you for the generosity of our Clients and Friends.
Care Fresno
Care Fresno is an organization we have come to know well and we enjoy supporting the organization and their Mission. Care Fresno provides daily after-school tutoring, mentoring and sports programs for at-risk youth. Enlisting the help of local churches, the Care Fresno team uses the theory of urban missions, turning apartments in high-crime areas into safer places to live. The Churches do not simply adopt a neighborhood, but they actually move Christian Leaders into these communities to serve and live alongside those they're mentoring.

As an incentive for the kids to do well in school, the Thiesen Dueker Staff, joins forces with Care Fresno's leaders to take kids from the program to places that they may not have been before or otherwise have the opportunity to visit.

Our first trip with the Care Fresno kids was spent in Disneyland in 2011. What an awesome experience it was to see the faces of the kids as they set their eyes on the Magic Kingdom for the first time!


We have been taking Care Fresno trips for 6 years now and we'd like to think that we have blessed these kids, but we can't help but feel blessed ourselves. To become acquainted and build relationships with them is rewarding. Seeing someone come full circle has been one of the sweetest rewards of our time with Care Fresno!

Care Fresno held their Fall Ball last week and Honored Jeff and Lance with the Fifield Lifetime Legacy Award for their continued support of Care Fresno.

Georgiana, pictured here with Jeff Thiesen & Jamie Davis was one of the kids who attended the inaugural trip to Disneyland in 2011. She is now a leader at one of Care Fresno's seven sites. She got to share her story at the event Friday. It was a pleasure getting to see her again and see the wonderful impact she is now making on her community.


For more information on Care Fresno, please visit http://www.carefresno.org/



Medicare open enrollment has begun: What you need to know

It is al ways our goal at Thiesen Dueker Group to provide you with world-class service by helping you with financial decisions through the different stages of life.  For those with Health Care coverage throu gh Medicare, we would like to offer our in-house Insurance Professional, Vince Mastro, as a resource t o you.  Whether you are approaching the Medicare age of 65 and would like help in getting started or you just want to compare your current plan, Vince can provide a Medicare plan review.  

Older or disabled Americans with Medicare coverage have probably noticed an uptick in mail solicitations from health insurance companies, which can mean only one thing: It's time for the annual Medicare open enrollment. 
  
Most beneficiaries have from Oct. 15 through Dec. 7 to decide which of dozens of private plans offer the best drug coverage for 2018 or whether it's better to leave traditional Medicare and get a drug and medical combo policy called Medicare Advantage.

Some tips for the novice and reminders for those who have been here before can make the process a little easier. 

To read the rest of this article,  Click Here
The Health and Wealth Connection
By Doug Lennick, Financial Freedom Studio

The wealthcare and healthcare industries have been on a converging course for several years. I personally have believed this to be true and have helped major companies in both industries develop strategic alliances with one another. And, although those alliances have shown some promise, they haven't yet created the game changing value proposition I expect. In my opinion, it is absolutely a must that wealth advisors and health advisors make the connection and figure out the best way to be rewarded for doing so. Doing that will create a triple win: for the consumer, the wealth and/or health advisor and the respective organization or institution.

Consider this. The health and wealth issues facing Americans and many other developed nations around the world are primarily behavioral. In fact, if one wants to understand either their current financial condition or their current health condition, the first place to look is into past behaviors. If one wants to predict their future financial condition or their future health condition, the first place to look is into their present behaviors. And very importantly, if one's future condition for either looks less bright than desired, the first thing to do is to begin changing behaviors in the present.

"If one wants to predict their future financial condition or their future health condition, the first place to look is into their present behaviors."

The above idea didn't come to me in a dream, but it did come to me as I interpreted the words of Buddhist Monk Sogyal Rinpoche in his recording "Living Well, Dying Well" (his audiotape was a gift given to me by my wife Beth Ann one week before my mom died as the result of injuries sustained in an automobile accident...I took comfort in knowing my mom lived well and that helped me understand she had no loose ends and therefore died well, although tragically). Rinpoche said something like, "If you want to understand your current condition, look into your past actions. If you want to understand your future condition, look into your present actions." I simply took that message and applied it to my own opinion regarding health and wealth and their respective industries.

When it comes to financial condition, if someone has excessive debt it is usually true that they spent money beyond their means. Debt piled up. The price of that debt went up. Credit rating went down. Access to additional loans became either increasingly expensive or totally unavailable. On the other hand, if someone has accumulated a substantial nest egg or education fund or retirement fund it is usually true that they not only spent within their means, they saved within their means. It is highly likely that they developed the habit of "paying themselves first," and they probably decided to save a certain percentage of their income. They used debt wisely. Their credit rating went up. And when they needed to borrow money for a property purchase or something else, the cost of borrowing went down.

Apply that same thinking to health. If someone is out of shape, overweight, and has excessively high cholesterol, it is highly likely they consume too much of the wrong food and beverages and they probably exercise too little. Speaking for myself, I can say that I have some good health habits and some that are less good. I'm better at exercising and sleeping right than I am at eating right. I average 10,000 plus steps per day. I lift weights and play tennis and basketball. But when it comes to my diet, I will eat the wrong food at the wrong time from time to time. Luckily, my wife is a model for good health, and she combines healthy eating with healthy exercising. I am the beneficiary of her eating habits.

Hopefully it's already clear that when we have financial or health problems it is often because we have behavioral problems. And, if the problem is behavioral, so is the solution. The overarching solution can be labeled Behavioral Advice. Think of that as the big umbrella. Under the big umbrella, we would have Behavioral Financial Advice (the BFA designation does exist-think2perform created Behavioral Financial Advice and partnered with Kaplan University in providing education and testing). Also under the big umbrella, we would have Behavioral Health Advice. The two are connected because one's financial condition influences one's health condition, and one's health condition influences one's financial condition. We will focus on Behavioral Financial Advice.

The connection between money and health has been recognized since the 1800's, but I won't go back that far to make the point. PricewaterhouseCoopers reported in their 2014 Employee Financial Wellness Survey that the majority of employed adults feel stress because of their financial situation1 (it's reasonable to surmise that doesn't get better for the unemployed). That same year, Financial Finesse Inc. reported that stress related to finances is true across all income levels.2 And, as Dr. Helen Riess from Harvard and Massachusetts General Hospital shared with me, "Does financial stress affect physical health? The answer to that question is yes." Dr. Riess also noted that "our brains are still wired to perceive danger. And the dangers we perceive today are usually related to health or money issues."

"'Does financial stress affect physical health? The answer to that question is yes.'"

Diana Ianorrone is a former financial executive turned life coach. She has personally experienced the connection between health and wealth: "Recently, I am more worried about money, and I notice I don't keep myself as active and I don't eat as well. And it's not that I don't have enough money, I just don't want to think about it."

So what does all of this mean for financial advisors? When you put Riess's and Ianorrone's comments together it means that financial advisors have an opportunity to help their clients reduce financial stress and simultaneously improve physical health. As Diana put it, "I believe money, health and happiness are all intertwined." Indeed, they are. People want to be physically healthy and emotionally happy, and financial advisors are in a perfect position to help them with both of those by helping them take the worry and stress out of money-related matters.

Do I have any other advice for advice givers? Yes. If you are not already doing so, get to know your clients from the inside out. That is best done by getting to know their values (e.g., family, happiness, wisdom, integrity, security, health). Of course, it is also critical that advisors understand their clients' goals (e.g., education, retirement, legacy, travel). Once you know both values and goals, align your recommendations and your client's behaviors with their goals, and align their goals with their values.

Incorporating all of the above into your value proposition will result in you having made the connection between wealth and health (and happiness). Your value to your clients will go up. They and you will discover that your "behavioral financial advice" can produce financial security and peace of mind. Peace of mind and financial security can enhance physical health and emotional wellbeing (happiness). Pretty exciting, don't you think?

1. n.a. (April 2014). Employee Financial Wellness Survey. PricewaterhouseCoopers. Retrieved from PwC.com
2. n.a. (2014). 2014 Employee Financial Stress. Financial Finesse, Inc. Retrieved from financialfinesse.com
Upcoming Events

Fresno State Bulldogs vs. BYU - Saturday, November 4th Time TBD Tailgating will begin 4 hours prior to kickoff
Visalia Office Open House  - Thursday, November 9th from 5pm - 7pm
Estate Planning Seminar  - Thursday, November 9th at 5:30pm
Fresno State Bulldogs vs. Boise State  - Saturday, November 25th Tailgate 9am-12:30pm
Toys For Tots Event  - Thursday, December 7th at 6pm

If you would like to join us for any of our events, please contact Shannon Stewart to RSVP at Shannon@thiesendueker.com  or 559-448-8190.
A New Addition to the TD Family

Brian Nunes and his wife, Katherine, recently welcomed a new addition to their family; Pierson was born on August 20th. Big brothers Asher, 8 and Beckham, 5 are very excited to have a little brother! Brian is an Associate and LPL Financial Consultant in our Visalia Office. He has been providing financial advice to his clients since 2005 and enjoys helping clients design financial plans to help them pursue their future goals and dreams. 

Please help us in congratulating Brian and his family on their sweet baby!
Market Stats As Of 
Oct. 25, 2017

Index                                 YTD
Dow Jones                      +18.01%
Nasdaq                           +21.40%
S&P                                  +13.97%

US Treasury Yield
Maturity                           Last Yld
3 mo.                                  1.09% 
5 yr.                                     2.06%
10 yr.                                   2.44%
30 yr.                                   2.96%            
Indices are unmanaged and cannot be invested into directly. Unmanaged index returns do not reflect fees, expenses, or sales charges. Index performance is not indicative of the performance of any investment. Past performance is no guarantee of future results. 
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Thiesen Dueker & Care Fresno, 2017 Santa Cruz Trip
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