Thiesen Dueker Group | Extra Point eUpdate 
Thiesen Dueker News & Updates

Happy fall! With the change of the weather, we felt it was time to change the look and feel of our Extra Point eUpdate and we hope you will enjoy it. We are gearing up for a very busy last quarter of the year with 4 more tailgates and 2 open houses, an office canned food drive through October for the Community Food Bank; Thanksgiving and our annual Toys for Tots fundraiser, followed up with the holidays and the brand new year! It may seem like a lot, but it will all be worth it. A memorable man once said, "We must use time wisely and forever realize that the time is always ripe to do right." -Nelson Mandela

We have been having some fun these last few months...

Our very own Stephen Spach, Associate and LPL Advisor, joined Garth Brooks during his Fresno Football Camp for Kids.  See the video... Stephen is a part of the Teammates for Kids Foundation, a program co-founded by Garth Brooks, in partnership with professional athletes, corporations, foundations, celebrities and individual teammates. With the goal of giving all kids, all around the world, an even start; helping children in the areas of health, education and inner city. To read more about Teammates for Kids, visit  HERE 

After a full day of camp, Garth & Stephen present some special kids with the Good Teammate Award. To view more photos from the camp, please visit our Facebook page.

October is National Financial Planning month! It's our privilege that you have chosen to allow us to assist you in your financial goals. We always want to do a great job for you. Part of that is doing regular reviews with you to determine where you've been, where you want to go and discussing proactive management of your accounts. Please call us whenever you have questions, new information, ideas or new goals. A little talking can lead to a whole lot of smart "doing."

Like Us on Facebook! Like me on Facebook
Why wait for the next eUpdate to catch up on helpful tips and all the happenings at Thiesen Dueker Group? Visit our Facebook page, click the "Like" button, and you won't miss a thing. You'll know when we post an important article or video that could affect your financial plans ... post photos of where we have been and who we have visited, reminders for upcoming events... or post photos of our co-founders riding a mechanical bull at a happened... in fact, you can see that here.
Office News

Please help us to congratulate, Matt Merzoian, CRPS ® , AIF ®   Matt has been named to the 2016 edition of the Financial Times 401 Top Retirement Plan Advisors. The list recognizes the top financial advisors who specialize in serving defined contribution (DC) retirement plans.
Financial advisors from across the broker-dealer and RIA channels applied for consideration, having met a set minimum of requirements. The applicants were then graded on seven criteria: DC assets under management; DC AUM growth rate; specialization in DC plans; years of experience; DC plan participation rate; advanced industry credentials; and compliance record. There are no fees or other considerations required of advisers who apply for the FT 401. Matt was the only advisor named in Central California.
Once again, the final FT 401 represents a cohort of elite advisors: the "average" advisor in this year's FT 401 has 18 years of experience advising DC plans and manages $950 million in DC plan assets. The FT 401 advisors hail from 41 states and Washington, D.C., and DC plans on average account for 74% of their assets under management.
Congratulations Matt!

Wedding Bells

The Thiesen Dueker Family is happy to 
announce the marriag e of Associate and LPL Financial Consultant, Michael Muhareb to his  fiancé Brittany. Michael and Brittany wed on October 1st in Fresno. We are all so thrilled for them and wish them a lifetime of love and happiness! 
Service Spotlight

It is always 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 through Medicare, we would like to offer our in-house Insurance Specialist, Vince Mastro, as a resource to 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.  
Open enrollment for Medicare Advantage Plans starts October 15th and ends December 7th so please give us a call if we can be of assistance!
Upcoming Events

Help Us Fight Hunger while joining us for our Open House Party on October 27th!

The Community Food Bank is dedicated to ending hunger in the Central Valley. They provide food to more than 180 agencies in Fresno, Madera, Kings, Kern and Tulare Counties and serve over 280,000 people in each month totaling over 38 million pounds of food annually.
The team at Thiesen Dueker feel that giving back is our responsibility and we want to help The Community Food Bank with this fight! We are accepting canned and non-perishable food donations now until our Open House Party, if you wish to contribute. Every $1 donated provides food for 7 meals for hungry children, families and seniors in Central Valley. Ten dollars can feed a family of four for a week.
For more information visit

Our 14th Annual Client Appreciation Tailgate Party will take place on Saturday, November 19th at Bulldog Stadium. The party will kickoff 4 hours before our Fresno State Bulldogs take on Hawaii at 4pm. We love hosting this event to show our appreciation for our clients and friends of TD Group. We hope you can join us!

One of our favorite events of the year will be held on Thursday, December 1st! The Toys for Tots Fundraiser is a time that we get to gather with our clients and friends before the rush of the Holidays, enjoy some great company and food and join together to bring smiles to the faces of kids who are less fortunate this time of year. The wonderful people at Ferguson Bath, Kitchen & Lighting Gallery are generous enough to allow us to use their great space once again. We hope you will join us in December. 
Things To Think About

Protecting Yourself While Shopping Online
What steps should you take?
Whether you shop online routinely or infrequently, the risk of identity theft rises as you offer more and more information about yourself online. Read more here.

October Is National Financial Planning Month
Saving is a great start, but planning to reach your financial goals is even better.

Are you saving for retirement? Great. Are you planning for retirement? That is even better. Planning for your retirement and other long-range financial goals is an essential step - one that could make achieving those goals easier.
Saving without investing isn't enough. Since interest rates are so low today, money in a typical savings account barely grows. It may not even grow enough to keep up with inflation, leaving the saver at a long-term financial disadvantage. Read More Here.

Retirees Are Racking Up Credit Card Debt
New statistics point out an alarming financial problem.

$6,876. That is the average amount of credit card debt owed by an American household headed up by an individual aged 65-69.1
If you are newly retired or close to retiring, that figure may alarm you. It is more than twice the amount of Social Security's maximum monthly income payment.2
Credit card use is surging, and seniors are taking on more revolving debt as part of the trend. That $6,876 figure comes from personal finance website ValuePenguin, which just published its latest yearly study on U.S. credit card debt. As ValuePenguin found, revolving debt shrinks little with age: in households headed up by those 75 and older, the mean credit card balance was $5,638. Read More Here.
Market Stats As Of 
Oct. 10, 2016

Index                                 YTD
Dow Jones                       +0.49%
Nasdaq                            +0.69%
S&P                                   +0.46%

US Treasury Yield
Maturity                           Last Yld
3 mo.                                  0.31% 
5 yr.                                    1.26%
10 yr.                                  1.72%
30 yr.                                  2.46%            
Retirement Planning
  • Traditional/Roth IRAs
  • Simple/SEP IRAs
  • IRA Rollovers and IRA Consolidations
  • 401(k), 403(b), Profit Sharing & Defined Benefit Plans
  • Income Distributions and RMDs
Financial Strategies
  • Comprehensive & Modular Financial Plans
  • Risk & Insurance Analysis
  • Wealth Accumulation & Income Planning
  • Personal, Family & Charitable Trusts
  • Private Trust Services*
Investment Management
  • Asset Allocation Modeling
  • Investment Manager Search & Selection 
  • Performance Monitoring
  • Institutional Research
Educational Funding
  • 529 Plans
  • Education Savings Accounts
  • Custodial Accounts
Investment Options & Tools
  • CDs & Money Market Funds
  • Tax-advantage Municipal & Treasury Bonds
  • Domestic & Foreign Stock and bonds
  • Mutual Funds, Unit Trusts & 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.

Fall Favorite:


2 cups graham cracker crumbs
8 tablespoons butter
1 14oz can sweetened, condensed milk
3/4 cup pumpkin puree
1 teaspoon cinnamon
1/4 teaspoon nutmeg
1/4 teaspoon cloves
11 oz. golden delicious apples, shredded (about 2 regular sized apples)
1 1/2 cup sweetened shredded coconut 1 cup salted almonds, coarsely chopped
1 cup chocolate chips

Heat oven to 350 degrees. Create a foil sling with a 1 inch over hang in a 9x13 inch pan.
1. Combine graham crackers and butter and stir until well blended. Press mixture into bottom of pan.
2. Combine sweetened condensed milk, pumpkin puree, cinnamon, nutmeg, cloves and stir until well combined. Pour mixture over graham cracker crust.
3. Peer and core apples. Use the large side of the grating box to shred the apples. Layer shredded apples on the sweetened condensed milk. Sprinkle on chocolate chips, followed by almonds and then finish by sprinkling coconut on top.
4. Place assembled pan in the over and bake for about 35-45 minutes. Let cook in pan completely and then transfer finished pan to the refrigerator to chill before cutting. RECIPE ORIGIN
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Thiesen Dueker Group | 559-448-8190 | |

The individuals at Thiesen Dueker Group are registered representatives with, and Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.