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	Investment Management & Financial Planning
Wealth Building Strategies Newsletter	April 2009
{FIRST_NAME}, Measure Your Portfolio's Performance Many investors mistakenly base the success of their portfolios on returns alone. Few consider the risk that they took to achieve those returns. Since the 1960s, investors have known how to quantify and measure risk with the variability of returns, but no single measure actually looked at both risk and return together. Today, we have three sets of performance measurement tools to assist us with our portfolio evaluations. The Treynor, Sharpe and Jensen ratios combine risk and return performance into a single value, but each is slightly different. Which one is best for you? Why should you care? Let's find out. Click here to read the full article. Reverse Mortgages: Too Good to be True? (Guest columnist) There is a lot of buzz about reverse mortgages lately. Even popular actors are on commercials touting their benefits. “Get cash and stay in your home.” “Never pay a monthly payment.” This just sounds too good to be true, doesn’t it? In fact, while a reverse mortgage is not the right solution for everyone, it is indeed the best solution for many. Click here to read the full article. How Much Money Do You Need to Retire? How much money will you need to retire? Probably more than you think! Extended life spans, reduced employer benefits, lower market returns and increasing costs of living have forced us into a position of needing to save more. Unfortunately, most Americans are doing a poor job of securing their future. The Employee Benefits Research Institute reports that if current trends continue, there will be an annual shortfall of at least $45 billion by 2030 between the amount retired Americans need to cover basic expenses and what they have. Click here to read the full article. From our Blog: A Broken Financial System Here's a compelling Barron's interview with William Black, "The Lessons of the Savings & Loan Crisis," that leads us to wonder if the symbiotic relationship between Washington and Wall Street has not only failed us, but opened the door to our cataclysmic demise. Click here to read our latest blog entry. Want a Second Opinion? Not sure if your strategy is working of if your Advisor is living up to his or her responsibilites? Let us take a second look. Find out how we can help you with your financial planning and investing needs. Contact us today for a consultation.	In This Issue Measure Your Portfolio's Performance Reverse Mortgages How Much Do You Need to Retire? From Our Blog Cathy Pareto, MBA, CFP®, AIF Cathy Pareto And Associates, Inc. 2332 Galiano Street, 2nd Floor Coral Gables, FL 33134 Tel: 305-728-7234 cathy@cathypareto.com
Forward this message to a friend Cathy Pareto & Associates, Inc.- Investment Management and Financial Planning Tel: (305) 728-7234 info@cathypareto.com http://www.cathypareto.com/

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Cathy Pareto & Associates, Inc.
2332 Galiano Street, 2nd Floor
Coral Gables, FL 33134
www.cathypareto.com

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