Ketron Financial, LLC

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="center" width="1%" valign="middle"> <img src="/files/6698/2012%20OfficeTeam%20KFC%20resized.jpg" alt="Ketron Financial, LLC" height="199" width="500" border="0"> </td> </tr><tr><td> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b>Informed Financial & Lifetime Planning Decisions since 1969.</b> <br> <br>1701 Novato Blvd., Ste 204 <br>Novato, CA 94947-3030 <br>Phone: (415) 892-0928 (800) 748-6338 <br>FAX: (415) 898-2441 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:russ@rketron.com"> russ@rketron.com</a> <br> <a href="mailto:ruth@rketron.com"> ruth@rketron.com</a> <br> <a href="mailto:bill@rketron.com"> bill@rketron.com</a> <br> </td> </tr> </table> <br> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p><strong><font size="2">Quality lives through intelligent, informed, financial and lifetime planning decisions.</font></strong></p> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA5_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA5_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/A/TA5_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=126" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Net Worth</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>A balance sheet summarizes your assets and liabilities and reveals your net worth.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=135" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Roth IRA Conversion</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>This calculator can help you determine whether you should consider converting to a Roth IRA.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=138" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Estate Taxes</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/A/TA5_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3060" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">HOT TOPIC: Will Federal Reserve Tactics Help the Ailing U.S. Economy? </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> This article looks at policy tools that the Federal Reserve has used in the past and may use going forward in its attempts to spur economic growth. It also explains the possible implications of a long-term, low-interest-rate environment for investors, savers, and retirees. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3288" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Growth, Value, or Both </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The average annual return for large-cap value stocks was about 2.1% higher than for large-cap growth stocks, yet growth stocks outperformed value stocks in 13 out of 30 years. This article examines the difference between the two approaches and describes why holding both may help investors take advantage of a variety of market conditions.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3111" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Variable Annuities and Your Retirement Strategy </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> An insurance product may appeal to pre-retirees who want to invest more of their current incomes for retirement and defer taxes on market gains. A variable annuity enables investors to pursue investment gains with the option to purchase guarantees (for an additional cost) to help protect against the downside risks of investing in the markets. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3109" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">To Roll or Not to Roll: It's Your Choice </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Some employers are encouraging departing employees to leave their retirement savings in their employer plans. But employees should make any decisions based on their own needs and concerns, not the former employer's. Read about the pros and cons of rolling over retirement plan assets to an IRA. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/A/TA5_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/A/TA5_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>May 20, 2012 @ 09:25 AM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$INDU" target="mondo"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>12,369.38</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 73.11</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 2,778.79</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 34.90</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,295.22</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 9.64</strong></font></td></tr> <tr><form action="http://www.emerald.idmanagedsolutions.com/stocks/quote?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© Interactive Data Managed Solutions (NYSE:IDC) All rights reserved.</font></td> </tr></table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/A/TA5_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/A/TA5_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/A/TA5_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/A/TA5_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/A/TA5_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/A/TA5_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/A/TA5_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> </table></div></body></html>