Fall 2011

Through our experience, advocacy, dedication and judgment we strive to help families accomplish the lifestyle they desire in retirement. We are passionate about helping you achieve financial success.

Seasons Greetings

As the days grow shorter and the air takes on a chill, we will remember 2011 as one of excitement. An earthquake, wild swings in the market, a hurricane and a record-breaking snow storm were just some of the highlights. As the end of the year draws near, be sure your financial house is in order. Have you taken required IRA distributions? Made your 401(k) and IRA contributions? If we can be of assistance with any of your year-end financial housekeeping tasks, please call us at 973-267-8120.

Global Deleveraging Continues in 2012

Scott P. Noyes, CFA® CFP®

Since the spring, the equity markets have been absolutely bombarded by bad news. Yet for all the crises in the world, we are ending the year on a resilient note. We believe that low inflation and strong corporate earnings have protected the market and may continue to do so in 2012.

Key Concepts About Social Security

Claudia E. Mott, CDFA, Scott P. Noyes, CFA® CFP®

For many retirees, there is a belief that filing for Social Security immediately upon turning 62 is a necessary rite of passage. But for some, there can be a significant financial advantage by waiting until full retirement age or beyond. If you would like to discuss the right strategy for your Social Security benefits, please contact us. Continue Reading >>

Investment Concerns? - In January, we are offering complementary second opinions to see if we can help you improve your portfolio performance. Call for your appointment at (973) 267-8120.

Did You Know?

Facts about living in exponential times...

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Financial Planning Tips for 2012

As we bring 2012 to a close, we all have a few financial items that need to be cleaned up. It is also the time to start thinking about your personal goals for 2012. Winter is the perfect time to pick two or three tasks and get them completed. Whether it's setting aside more for a personal goal, cleaning up clutter, or getting involved doing something you love, here are a few ideas for you. Continue Reading >>

Tax Changes for the New Year

Although most Americans will not have to worry about 2012 taxes until early 2013, but there is no time like the present to familiarize yourself with changes that are coming in the year ahead. This article from the Financial Planning Association offers a summary of key changes. Continue Reading >>

How To Feel Young and Live Life to the Fullest

Healthy aging is about much more than staying physically healthy—it's about maintaining your sense of purpose and your zest for life. Continue Reading >>

Important Consumer Disclosure :This newsletter contains general information that is not suitable for everyone. The information contained herein should not be construed as personalized investment or tax advice. You should contact a licensed accountant for personalized tax advice. Past performance is no guarantee of future results. There is no guarantee that the views and opinions expressed in this newsletter will come to pass. Investing involves the potential for gains and the risk of losses and may not be suitable for all investors. Certain of the information provided in this article has been prepared by non-affiliated third parties (“Third Party Content”) and is reproduced with permission. Noyes Capital believes all Third Party Content to be from reliable sources but makes no warranty as to the accuracy or timeliness of such content. Information presented herein is subject to change without notice and should not be considered as a solicitation to buy or sell any security.

Noyes Capital Management, LLC (“Noyes Capital”) is a registered investment advisor with the U.S. Securities & Exchange Commission with a principal place of business in the State of New Jersey. Noyes Capital and its representatives are in compliance with the current registration requirements imposed upon registered investment advisors by those states in which Noyes Capital maintains clients. Noyes Capital may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. For additional information about Noyes Capital, including fees and services, send for our disclosure statement as set forth on Form ADV using the contact information herein. Please read the disclosure statement carefully before you invest or send money.