September 2018 Newsletter

Independent Wealth Management, LLC

Hank Parks, CFP®
Stacey Hyde, CPA, CFA, CFP®
Hulon Warlick, CRC®
Clay Chapman
5050 Poplar Avenue, Suite 2200
Memphis, TN 38157
[email protected]

September 2018

We hope you had a wonderful summer and enjoyed the Labor Day holiday with friends and family.

As we head into the end of the year and into the mid-term elections, market volatility may increase a bit. Now is a great time to figure out if you'll need to make any large cash withdrawals from your investments in the next 6-12 months or so. If you do, you might want to consider raising the cash now. Yes, you'll miss out any market increases, but your money will be readily available. If you don't expect to need additional funds, then just try to ignore the noise. Market volatility is normal and to be expected.

Let us know if you have any questions. Enjoy football season. Hopefully, this means that cooler weather is just around the corner.

What to Do If Your Term Life Insurance Policy Is About to Expire
Explore your options now, before your term policy expires.

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Infographic: Working in Retirement
If you plan to work for extra income in retirement, consider these facts.

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Take Charge of Your Student Debt Repayment Plan
Take charge of paying back your student loans by examining all your repayment options.

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What are the new rules for 401(k) hardship withdrawals?
The rules for hardship withdrawals from retirement plans are becoming more relaxed in 2019.

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I just received a large bill for a recent hospital visit. How can I check whether it's accurate?
In today's complex world of medical billing, you may have difficulty understanding exactly which procedures you're being charged for, or what the billing codes on your hospital bill mean.

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Refer a friend

All indices are unmanaged and investors cannot actually invest directly into an index. Unlike investments, indices do not incur management fees, charges, or expenses. Past performance does not guarantee future results. Investments are subject to risk, including the loss of principal. Because investment return and principal value fluctuate, shares may be worth more or less than their original value. Some investments are not suitable for all investors, and there is no guarantee that any investing goal will be met. The accompanying pages have been developed by an independent third party. Commonwealth Financial Network is not responsible for their content and does not guarantee their accuracy or completeness, and they should not be relied upon as such. These materials are general in nature and do not address your specific situation. For your specific investment needs, please discuss your individual circumstances with your representative. Commonwealth does not provide tax or legal advice, and nothing in the accompanying pages should be construed as specific tax or legal advice. Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Advisor. Fixed insurance products and other services offered by Independent Wealth Management, LLC are separate and unrelated to Commonwealth. Not FDIC Insured, No Bank Guarantee, May Lose Value.

This communication is strictly intended for individuals residing in the state(s) of AR, CA, CO, FL, MS, MO, TN and TX. No offers may be made or accepted from any resident outside the specific states referenced.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2018.

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