Financial Planning Tips
(source: Merrill Lynch Investment Managers)

1. Seek a diversified portfolio since past performance does not predict future performance

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2. Rebalance your portfolio annually

3. Start saving early...

(Assumes 8% average annual return)

...and regularly

(Assumes 8% average annual return)

4. Take advantage of tax-deferred investments like 401(k)s (especially if your employer will match your contribution), IRAs and education savings programs

(Assumes 8% average annual return)

5. Watch out for fees

(Based on historical performance of the S&P 500® Index)