Newspaper Archive of
Post-Gazette
Boston, Massachusetts
Lyft
April 5, 2013     Post-Gazette
PAGE 6     (6 of 16 available)        PREVIOUS     NEXT      Full Size Image
 
PAGE 6     (6 of 16 available)        PREVIOUS     NEXT      Full Size Image
April 5, 2013
 

Newspaper Archive of Post-Gazette produced by SmallTownPapers, Inc.
Website © 2017. All content copyrighted. Copyright Information.     Terms Of Use.     Request Content Removal.




Page 6 POST-GAZETTE, APRIL 5, 2013 ALL THAT ZAZZ by Mary N. DiZazzo "An America Scented State of Mind" Ciao Bella, We all love nostalgia! One form is "scent." Possibly a scent from child- hood, your first home, a vacation that holds a special place in your heart or a state where you lived. "United Scents of America" has developed a nation of fragrance. Truly remarkable perfumes evoking atmospheres of unforgettable places in the United States. Entrepreneurs Sascha Bertran from New York and Samantha Sherwin from New Jersey have already bottled seven states of scented nostalgia! Walk the Freedom Trail with Massachusetts. You'll find a spot of tart cranberry. Stroll the beach with Florida. Orange, grapefruit and sea breeze are a few of the perfumes top notes. Travel to California with a blend of coconut, eucalyptus and vanilla bean. For a New York state of mind -- flowery and citrus notes are blended perfectly. Deep in the heart of Texas are bottom masculine notes of cedar leaf, amber and white musk. Want to take a walk down the boardwalk? Try New Jersey scented after its concession stands! You get delicious and lots of complimentsY Hawaii is divine with pink plumeria, night blooming jasmine as top notes. The heart notes are golden pineapple and papaya. The bottom note is coconut palm. Try them for the thrill of it alll You can find these unique scents in our own North End at Shake The Tree! Buona Giornata. -- Mary DiZazzo-Trumbull Read prior weeks' "All That Zazz" columns at www.allthatzazz.com. Mary is a third-generation cosmetolo- gist and a Massachusetts distributor of Kosmea brand rose hip oil products. She may be contacted at (978) 470-8183 or mary @mary4nails.com. BOSTON COMMON FROG POND CAROUSEL OPENS APRIL 12 Mayor Thomas M. Menino invites families to Boston Common to take a ride on the Frog Pond Carousel, now in its second year of operation. The Carousel, located adja- cent to the Frog Pond, will officially open on Friday, April 12 at 10:00 am. Throughout the season, the Carousel will operate Sun- day through Thursday from 10:00 am to 6:00 pm and Friday and Saturday from 10:00 am to 8:00 pro. Individuals of all ages are encouraged to take advantage of this handicapped accessible attraction. Anyone under 42 inches must be accompanied by an adult. For further details, visit www.bostonfrogpond.com. 3841 WASHINGTON STREET ROSLINDALE (AT FOREST HILLS MBTA STATION) WWW.WELLSMERE.COM 617-524-6648 LATE APPOINTMENTS AND IN HOME VISITS AVAILABLE WHAT TO BRING TO A MEETING WITH A FINANCIAL ADVISOR Crucial Questions & Essential Documents The financial planning process is not merely a matter of numbers. When you meet with a financial advisor to map out a strategy for wealth accumulation or wealth preservation, you may find yourself intel- lectually and emotionally engaged on a level you hadn't anticipated. It may actually give you a better understanding of what you want from life. A solid, multi-aspect financial plan takes many things into account. It may include a tax minimization strategy, an estate plart, an investment policy statement, defined steps toward business continuation or a business exit and more. Now, what is at the root of all of this? What might make you adopt a particular investment style, estab- lish a particular trust, or set certain finan- cial and lifestyle goals for retirement? Your values, your attitudes, your lifestyle circum- stances, your needs and your wants. It all revolves around you. The discovery meeting & beyond. Finan- cial advisors commonly have a discovery meeting with a new client. Beforehand, you will likely be asked to share some pertinent information in a questionnaire, such as: Your age; Your present income level and projected future income; Your current and future needs; Any projected expenses; Your assets and liabilities; The number of dependents you are responsible for; Any possible health or external issues that may impact your finances The completed questionnaire is commonly ermailed or mailed to the advisor prior to the discovery meeting. To complement the rather basic information in the question- naire, the client usually brings the follow- ing items to the discovery meeting: Recent financial statements for your IRA(s) and 401(k)s, assorted funds and other types of investment accounts and Social Security benefits (if you currently receive Social Security income) Information on insurance coverage, employee benefits, any wills and trusts and any pension income or stock options, COLI or forms of deferred compensation A copy of your latest personal (and if ap- plicable, corporate) tax returns This may seem like information overload, but it has a purpose. It gives the advisor a necessary briefing on the state of your Financial life. It also opens the door to a quite necessary conversation -- one which can prove valuable and illuminating. For example, what purpose does money have in your life? What is it there for, what should it help you accomplish? What should it do for your heirs? To greater or lesser degree, your investment strategy, your retirement strategy, your business continu- ation strategy and your estate plan will ex- press your values and beliefs. Your finan- cial decisions should be aligned with those values and beliefs. Questions to consider while engaging the advisor. Ask how much time they will devote to looking out for your investments and ask what kinds of investments they commonly recommend to clients with an analogous financial situation. Query them about how they will work with other finan- cial professionals you trust (your accoun- tant, your insurance agent, and so forth). Ask them about their money management and risk management approaches and if they have changed since 2008. Ask how they typically use their knowledge base to advise similar clients. Also, how is the advisor paid? Does this advisor earn the bulk of his/her income from fees for advice and portfolio management? (Some charge clients a fee representing a percentage of their total assets under man- agement.) Or does this advisor regularly earn commissions on the sale of financial prod: ucts? Some people believe that fee-based advisors will be less inclined to "push" prod- ucts. Some advisors allow you to choose how they will be paid during the relationship. If you become wealthier from the finan cial strategy you adopt, you can take satis- faction in the tangible financial progress you make. Apart from that, there is also the emotional satisfaction of knowing that you have been proactive and addressed impor- tant financial concerns in your life. Do you have a financial strategy in place? Or could your current approach use some refinement given the way the markets and the economy have changed recently? A meeting with a CERTIFmD FINANCIAL PLANNER professional or other qualified wealth advi- sor could give you new insight and new ideas to help you pursue your objectives. Joseph S. Vita is a financial advisor with Trilogy Financial Services. To find out more about meeting with a certified financial planner contact Joe: 781-933-6533 ext 2616 or joe.vita@trllogyfs.com, http:www.trilogyfs.com/. The opinions voiced in this article are for general information only. They are not intended to provide specific advice or recommendations for any individual. Securities and advisory services offered through National Planning Corporation (NPC). Member FINRA, SIPC. A Registered Investment Adviser. Trilogy Financial Services and NPC are separate and unrelated entitles. This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. All information is be- lieved to be from reliable sources; however we make no representation as to its complete- ness or accuracy. Please note -- investing involves risk and past performance is no guar- antee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as invest- ment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. Citations. - online.wsj.com/article SB10001424052970203609204574316542532636618.html [7/28/09] FAMILY FISHING DAY Mayor Menino welcomes anglers of all ages to Jamaica Pond for a Family Fishing Day sponsored by the Boston Parks and Recre- ation Department and Bass Pro Shops on Thursday, April 18, from 10:00 am to 12 noon. Free loaner tackle donated by Bass Pro Shops in Foxborough will be available at the boathouse along with free bait courtesy of P&J Bait in Dorchester. Volunteers from The Fishing Academy will be on hand to assist. No license is required for children under 15. Youths ages 15 to 17 must have a fishing license, available for free from the state. Adults must have a valid state fishing license. For license information, please visit: www.mass.gov / dfwele / dfw / recreation/ licens- ing / licensing_home, htm. For more info call (617) 635-4505, follow us on Twitter @BostonParksDept, or go to www.facebook.com/ bostonparksdepartment.