January 2016920.233.4650

Oshkosh Chamber Business Expo

Thursday, January 28 10:00 a.m. - 4:30 p.m. @ Oshkosh Convention Center> We will be an exhibitor

SeminarsSocial Security PresentationJake Harmsen CPA, Advisor @ Aegis Financial (530 N. koeller St) Tuesday, February 23 noon - 1:30 p.m. Thursday, February 25 4:30 p.m. - 6:00 p.m.

> Register online here or by email Info@aegisfinancialplanners.com

Open HouseThursday, April 21 @ Aegis Financial (530 N. koeller St) Ribbon Cutting, 8:45am Open House, 9am - 4:30pm > Refreshments> hors d’oeuvres> Networking > Inside look of our new space

I n s i d e S c o o pOut Goes 2015 & In Comes 2016 The beginning of another calendar year brings motivation to start fresh and the urge to set healthy goals. With confidence that the new year is bright with possibilites, success is surely right around the corner. In your New Year Resolution(s)...

Optimism Is Key Having positive throughts and an optimistic outlook on life, despite bad circumstances or events, will increase overall happiness and promote health.

How you think can change your life...

Reflect on, and emphasize the good things in life.

Be grateful and thankful for all of your blessings.

Don’t complain when something bad happens.

Feel that nothing can hold you back from achieving success and reaching your goals.

Believe in abundance.

Be confident that the world offers plenty of opportunities for everyone to succeed.

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Invite Friends!

Market Downturn [six things to know]

[NEWS]

It’s natural to be nervous when the markets head for negative territory. Keep a positive perspective

with these six investing reminders.

Periods of volatility are normal - All markets move in cycles, and periods of steep contrac-tion are completely normal. While the length of market contractions varies, periods of growth and expansion are usually waiting on the other side. Since 1973, stocks have fallen more than 10 percent and subsequently re-bounded eight times.

Don’t panic - Letting emotions dictate your investing strategy is a risk you shouldn’t take. Short-term decisions can have long-term con-sequences on your portfolio. Being patient can pay dividends.

Know your portfolio - Understand your invest-ments and how specific assets represent dif-ferent goals and outcomes. Keep in mind your risk tolerance and investment timeline, and if either has changed, consider talking to your financial advisor about rebalancing your portfo-lio. Diversification can potentially help balance risk during a downturn and mitigate extreme swings in value.

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“Kindness in words creates confidence. Kindness in thinking creates profoundness.

Kindness in giving creates love.” - Lao Tzu

Stay the course - Remember your financial plan and long-term goals and stick to them. A disci-plined investment approach is the best strategy for handling market downturns and will likely enable you to participate when the markets rebound.

Consider opportunities - Working with your financial advisor, determine whether periods of volatility are a good time to take advantage of investment opportunities in line with your long-term plan.

You’re not alone - Your Raymond James finan-cial advisor is available to help you when you need it. He or she can guide you through diffi-cult markets and be the independent voice that helps you stay focused on your long-term goals.

What Is Your Full Retirement Age?If you were born in: Your full retirement age is:

1943-1954: 66 1955: 66 and 2 months 1956: 66 and 4 months

If you were born on January 1 of any year, refer to the previous year to determine your full retirement age.

1957: 66 and 6 months 1958: 66 and 8 months 1959: 66 and 10 months 1960 and later: 67

All Are Welcome!

Myth: Social Security will provide most of the income you need in retirement.

Fact: It’s likely that Social Security will provide a smaller portion of retirement income than you expect.

Myth: Social Security is only a retirement program.

Fact: Social Security also offers disability and survivor’s benefits.

Myth: If you earn money after you retire, you’ll lose your Social Security benefit.

Fact: Money you earn after you retire will only affect your Social Security benefit if you’re under full retirement age.

Myth: Social Security benefits are not taxable.

Fact: You may have to pay taxes on your Social Security benefits if you have other income.

For more information on this subject, please talk with one of the advi-sors at Aegis Financial, come to our workshop OR see IRS Publication

915, Social Security and Equivalent Railroad Retirement Benefits.

Social Security [Myth vs. Fact]

Aegis Financial is an independent firm. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc.

The Cloud

Store Digital Info

I’m thinking about storing financial docu-ments in the cloud. What should I know? Cloud storage--using Internet-based service pro-viders to store digital assets such as books, music, videos, photos, and even important documents including financial statements and contracts--has become increasingly popular in recent years. But is it right for you?

Opinions vary on whether to store your most sen-sitive information in the cloud. While some experts say you should physically store items you’re not willing to lose or expose publicly, others contend that high-security cloud options are available.

If you’re thinking about cloud storage for your financial documents, consider the following:

> Evaluate the provider’s reputation. Is the service well known, well tested, and well reviewed by information security experts?

> Consider the provider’s own security and re-dundancy procedures. Look for such features as two-factor authentication and complex password requirements. Does it have copies of your data on servers at multiple geographic locations, so that a disaster in one area won’t result in an irretrievable loss of data?

> Review the provider’s service agreement and terms and conditions. Make sure you understand how your data will be protected and what re-course you have in the event of a breach or loss. Also understand what happens when you delete a file--will it be completely removed from all servers? In the event a government subpoena is issued, must the service provider hand over the data?

> Consider encryption processes, which prevent access to your data without your personal pass-word (including access by people who work for the service provider). Will you be using a browser or app that provides for data encryption during transfer? And once your data is stored on the cloud servers, will it continue to be encrypted?

> Make sure you have a complex system for cre-ating passwords and never share your passwords with anyone.

What’s the best way to back up my digital information? In writing or speaking, redundancy is typically not recommended unless you’re really trying to drive a point home. When it comes to your digital life, however, redundancy is not only recommended, it’s critical.

Redundancy is the term used to refer to data backups. If you have digital assets that you don’t want to risk losing forever--including photos, videos, orig-inal recordings, financial documents, and other materials--you’ll want to be sure to back them up regularly. And it’s not just materials on your per-sonal computer, but your mobile devices as well. Depending on how much you use your devices, you may want to back them up as frequently as every few days.

A good rule to follow is the 3-2-1 rule. This rule helps reduce the risk that any one event--such as a fire, theft, or hack--will destroy or compromise both your primary data and all your backups.

1. Have at least three copies of your data. This means a minimum of the original plus two back-ups. In the world of computer redundancy, more is definitely better.

2. Use at least two different formats. For example, you might have one copy on an external hard drive and another on a flash drive, or one copy on a flash drive and another using a cloud-based service.

3. Ensure that at least one backup copy is stored offsite. You could store your external hard drive in a safe-deposit box or at a trusted friend or family member’s house. Cloud storage is also considered offsite.

If a cloud service is one of your backup tactics, be sure to review carefully its policies and proce-dures for security and backup of its servers. Anoth-er good idea is to encrypt (that is, create strong passwords that only you know) to protect sensitive documents and your external drives.

So at the risk of sounding redundant, a good rule for data backup is to have at least three copies on at least two different formats, with at least one copy stored offsite. And more is always better.

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Happenings

Congratulations to Jake & Sarah on a Baby BoyA big congratulations goes to Jake and his family. Nash Broderick Harmsen was born on December 10 at 3:55 am, weighing 7 lbs 14 oz and 19 inches. Maddox is thrilled to have a new baby brother and surprisingly helps to change occasional poopy diapers!

Welcome Mariah to our Team A warm welcome goes out to Mariah Marchant our new Client Experience Concierge. She will play an important role in assuring that high quality, genuine client service is provided at all times whether it be via phone, email or in person. We are happy to have her on the team!

Chris takes over a new role as Client Service AssociateChris was originally hired to be the Client Experience Concierge at the front desk, however because of her knowledge and experience, we are able to capitalize on her strengths shifting her role to Cli-ent Service Associate, where she directly services client accounts.

Check out our website!

We launched our new website in December and hope that you have had the chance to look at it. If not, please check it out at www.aegisfinancialplanners.com. We are currently working on minor updates and will be spending time on the Search Engine Optimization (SEO) aspect of the website. SEO is used to increase the amount of visitors to a website by obtaining a high-ranking placement in pages for search engines such as Google, Bing, Yahoo, etc. This process is done by creating behind-the-scenes keywords and phrases for all pages of the website.

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