Market Watch

January 29, 2012 @ 01:09 PM

Dow Jones Industrials 12,660.46- 74.17
Nasdaq Composite 2,816.55+ 11.27
S&P 500 1,316.33- 2.10

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Kallman Associates DBA Logo

"Helping people meet their financial objectives!"

David R. Kallman, CLU, ChFC

Dave graduated from the University of Illinois in 1973 having received the “Chick Evans Caddy Scholarship" in 1969.  He entered the financial service business in 1974 and focuses on working with owners of closely-held companies, professionals, such as physicians and attorneys, and individuals planning for retirement.  Dave is active in the Evans Scholar Alumni Association and is a Director of the Western Golf Association.  Dave and his wife, Karen, live in Palatine, Illinois with their sons, Don and Dan.

 

Dave has been awarded the title of Retirement Planning Specialist by AXA Advisors based on the receipt of a Wharton Certificate in Retirement Planning.

 

Dave is supported by a wonderful and dedicated staff with over 45 years experience in the financial service business.

 

 

In Memoriam - Jeffrey A. Kallman

For over twenty years Dave was a partner with his brother, Jeff, who died suddenly at age 42.  Jeff was an integral part in the growth and success of Kallman Associates.  He left behind a large number of friends, clients and business associates who loved and respected him.

 

 

 

 

 

Certificate awarded based on completion of a training program at the Wharton School, University of Pennsylvania

 

Newsletters

Be Ready for a Change in Interest Rates

Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

New Opportunity Under the Federal Gift Tax

The 2010 Tax Relief Act raised the lifetime gift-tax exclusion to $5 million. This means it could be a good time to make the most of tax-free gift transfers. If so, it's important to understand the annual and lifetime gift exemption limits, as well as which gifts might not be subject to them.

Tips for Surviving the Estate Tax

The federal estate tax was reinstated retroactively to January 1, 2010, by the 2010 Tax Relief Act. However, the favorable provisions are scheduled to expire at the end of 2012, when estates exceeding $1 million could be subject to the federal levy.

Tax-Efficient Investments for the Tax-Averse

Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds.

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