Taylor Financial Group Attends Annual Conference for Independent Advisors -The Week Ahead

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The Week Ahead View your: Account Wealth Vision

Vol. I No. 61 Monday, May 7, 2012

The FIVE STAR award is based oncustomer service, integrity,

knowledge, communication, valueof fee or commission charged and

overall satisfaction.

New In This Issue

From Where I Sit...

Weekly Market Commentary

Client Events-

Portfolio Compass-May 2, 2012

Personal Finance Corner:

Young Investors

Did You Know? The Largest Bill in

Circulation- US Treasury

Updated MarketCommentary

LPL Weekly MarketCommentary

From Where I Sit... Dear Matt, Last week, Steve, Matt, Josh, and I attended the 2012 Conference For IndependentFinancial Advisors in Morristown, NJ. The conference was a two day event andwe were able to meet with executives from JP Morgan, Goldman Sachs,Morningstar, and Quantitative Advantage to discuss the markets and positioningof portfolios to take advantage of current market conditions.

We were priviledged to hear from key note speaker Ron Insana, a published author, and Senior Contributor toCNBC. He is also the host of his own daily radio show, "The Market Scoreboard Report." Mr. Insana hasreported on business and politics since 1984 and has interviewed such prominent figures as Alan Greenspan, BillClinton, and George W. Bush. His talk, "Politics, Policy and the Economy: What Issues on Capitol Hill Mean for Main Street and Wall Street,"gave a very insightful view into the events that will shape our economy in the coming years. Not only is heinterested in seeing what effect the upcoming election will have on the economy, but he is also concerned aboutthe end of the Bush Tax Cuts at the end of this year. It was very interesting to hear Ron tell us the economy is not "as bad as the media sometimes makes it out tobe." This is something that we have been writing about for some time. The U.S. is exporting more than we areimporting, manufacturing is becoming cheaper in the U.S. than abroad (which will bring jobs back home), andthere is still a great deal of innovation occurring here in the U.S. Ron believes that these are all signs that thecountry is on the right track to recovery. It was such a pleasure to hear from Mr. Insana as he was a veryentertaining, and insightful, speaker. Regards, Debbie

Debra Taylor CPA/PFS, Esq.LPL Investment Advisor Representative and Wealth Manager Securities offered through LPL Financial, Member FINRA/SIPC Investment Advice offered through Private Advisor Group, LLC a registered investment advisor and seperateentity from LPL Financial The opinions voiced in this material are for general information only and are not intended to provide specific

Taylor Financial Group Attends Annual Conference for Independent Advisors -The Week Ahead

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Portfolio Compass-May 2, 2012

Search For Income- Q1 2012

MWP Trade Logs

LPL Financial Alpha FocusedDiversified PlusApril 26, 2012

LPL Financial Diversified Plus

April 26, 2012

LPL Financial IncomeFocused

March 7, 2012

Quantitative Advantage- -

April 2, 2012

BlackRock-

January 2012

advice or recommendations for any individual. To determine which investment(s) may be appropriate for you,consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee offuture results. All indices are unmanaged and may not be invested into directly.

Some Pictures from our recent Client Event with Burt White,Chief Investment Officer of LPL Financial

We are still very excited about the success of our recent client event that featured the Chief Investment Officer ofLPL Financial as our key note speaker. The news about the success of our event has been spreading veryquickly, and many people have expressed regret about not being able to make it out for the event and see Burtspeak. We are pleased to announce that a video of Burt's presentation has been uploaded on to YouTube so thatyou may view it at your convenience. If you would like to view the video, please click here.

Fran Bergen and Guests

Taylor Financial Group Attends Annual Conference for Independent Advisors -The Week Ahead

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Matt and Rob with The Rosen's

Rob with The Fraser's

Taylor Financial Group Attends Annual Conference for Independent Advisors -The Week Ahead

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The Nolan's

Tara and Susan

Taylor Financial Group Attends Annual Conference for Independent Advisors -The Week Ahead

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Matt with Kevin Healy

The Price's

Taylor Financial Group Attends Annual Conference for Independent Advisors -The Week Ahead

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Burt White

Bobby Chose the Raffle Winner!

Taylor Financial Group Attends Annual Conference for Independent Advisors -The Week Ahead

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Debbie and Burt taking Questions

Weekly Commentary May 7, 2012

The Markets The most important news last week may have actually happened this past weekend. On Sunday, voters went to the polls in France, Greece, and Germany and the results could have a major impacton world markets. French voters sent incumbent president Nicholas Sarkozy packing and, instead, electedSocialist Party candidate Francois Hollande. Hollande "has pledged to shift the burden of economic hardshiponto the rich and to resolve the protracted euro sovereign-debt crisis by softening the current prescription ofausterity," according to The Wall Street Journal. While his strategy is debatable, it will likely cause a rift withGermany and add uncertainty to recent eurozone agreements. Greek voters also went to the polls and "delivered a stinging rejection of the two incumbent parties, with manypeople casting ballots for smaller, far-left and far-right parties," according to the The Wall Street Journal. This,too, will likely result in more political and economic uncertainty. And in Germany, incumbent Angela Merkel'sparty suffered some setbacks in state elections. What's leading to all the angst in Europe? Here are three things:

1. Recession fears - 11 European countries have now experienced two consecutive quarters of economiccontraction.

2. Unemployment fears - the unemployment rate across the eurozone is at a record high.3. Business confidence fears - April's read on the manufacturing PMI for the eurozone - a measure of

confidence among businesses - fell to the lowest since June 2009.

Sources: MarketWatch, The Guardian The bottom line is citizens are voting for change, but "political realities will complicate even more what is an

Taylor Financial Group Attends Annual Conference for Independent Advisors -The Week Ahead

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already delicate economic and financial outlook for Europe, the world's largest economic area," according toMohamed El-Arian, CEO and Co-CIO of PIMCO, as reported by CNBC. These elections show that the economic crisis that began in 2008 is still rippling throughout the world.

WHAT DO DOTS HAVE TO DO WITH BEING A BETTER INVESTOR? In his fascinating new book,Imagine: How Creativity Works, author Jonah Lehrer describes the creative process and what steps we can alltake to be a little more creative. One of those steps is to talk to more people and expose yourself to newsituations. By "colliding" more often with people who are not like you and throwing yourself into newenvironments (like a foreign country), your mind will come up with more new ideas than you could have thoughtof on your own. And, while business owners may not like this, Lehrer's research suggests, "The most important place in everyoffice is not the boardroom, or the lab, or the library. It's the coffee machine." It's those casual conversationswith colleagues that generate new interactions and spark ideas. This leads to an important point about investing. Brian Uzzi, a professor at the Kellog School of Management, studied the instant messages (IM) sent by traders ata large hedge fund over an eighteen-month period. As reported in Lehrer's book, these traders sent more thantwo million messages over that period and the average trader was involved in 16 different IM conversationssimultaneously - talk about multitasking! Essentially, these traders were rapidly communicating with each otherand trying to make sense of the latest news so they could profitably trade on it. As summarized by Lehrer, Uzzi concluded, "The best traders were the most connected, and people who carriedon more IM conversations and sent more messages also made more money." Further, Uzzi said, "The act ofinvesting is like solving a difficult puzzle. These traders are trying to connect the dots. Because the traders arelistening to their network, they manage to accomplish what they could never have done by themselves." In essence, successful investing partly relies on "connecting the dots" of information that bombard us. Whilewe're not day traders like the people Uzzi studied at the hedge fund, the concept of connecting the dots stillapplies - albeit on a much longer timeframe. And, to connect the dots, we have a large network of colleagueswho can help us separate the daily noise from what's truly meaningful. Weekly Focus - Think About It "Everyone who's ever taken a shower has had an idea. It's the person who gets out of the shower, dries off, anddoes something about it who makes a difference." --Nolan Bushnell, founder of Atari, Inc. and Chuck E. Cheese's Pizza-Time Theaters Regards, Debbie P.S. Please feel free to forward this commentary to family, friends, or colleagues. If you would like us to add

Taylor Financial Group Attends Annual Conference for Independent Advisors -The Week Ahead

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them to the list, please reply to this e-mail with their e-mail address and we will ask for their permission to beadded. Securities offered through LPL Financial, Member FINRA/SIPC.Investment Advisory Services offered through Private Advisor Group, LLC. * The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock marketin general. * The DJ Global ex US is an unmanaged group of non-U.S. securities designed to reflect the performance of the global equitysecurities that have readily available prices. * The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seenas a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. * Gold represents the London afternoon gold price fix as reported by the London Bullion Market Association. * The DJ Commodity Index is designed to be a highly liquid and diversified benchmark for the commodity futures market. TheIndex is composed of futures contracts on 19 physical commodities and was launched on July 14, 1998. * The DJ Equity All REIT TR Index measures the total return performance of the equity subcategory of the Real EstateInvestment Trust (REIT) industry as calculated by Dow Jones. * Yahoo! Finance is the source for any reference to the performance of an index between two specific periods. * Opinions expressed are subject to change without notice and are not intended as investment advice or to predict futureperformance.* Past performance does not guarantee future results.

May is... Young Investors' Month at TaylorFinancial Group "The most powerful force in the universe is compound interest." --Albert Einstein Most young people do not realize that the best time to start saving for their retirementis...yesterday. The earlier you begin to invest, the more money you will accumulate by thetime you retire. This is due to the compounding effect of money. For example, if you wereto invest $1,000 per year for 10 years starting when you were 25, you would have$128,559.20 at age 65 (assuming an annual rate of 7%)*. That is a lot more than yourinitial investment of $10,000. A great way to take advantage of this compounding effect and realize a great tax benefit isto set up a Roth IRA for your child or grandchild. If you were to set up an IRA for yourchild or grandchild when they were 8 years old, and invest $1,500 per year until they were20, the IRA would be worth $609,142.10 that could be withdrawn tax free when they were65 years old, assuming a 7% annual rate of return*. That's quite a nice gift. *The annual rate is not based on any particular investment.

Taylor Financial Group Attends Annual Conference for Independent Advisors -The Week Ahead

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Largest Bill in Circulation- US TREASURY The largest note ever printed by the U.S. Treasury was worth $100,000! The U.S.Treasury has not circulated bills larger than $100 since 1969.

Taylor Financial Group- Upcoming Events and Office Closures Taylor Financial Group will be going to see the NJ Jackals on July 14th! There will befood, drinks, FIREWORKS, and fun to be had by all! Look what a great time we had

last year!Space is Limited so RSVP Today!

Please RSVP to Katie at our office at 201.891.1130 or kwcisel@taylorfinancialgroup.com

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Taylor Financial Group Client Survey As part of Taylor Financial Group's commitment to building a long-term relationship with ourclients, we are asking for your feedback. Our goal is to serve you with the highest level ofexcellence. In order to do this, it is critical that we get your feedback about how we canimprove our service in the upcoming year. To gather this information, we have attached a linkto a confidential survey for you to complete. Thanks for participating! We truly appreciate you taking the time to provide your thoughts and perspectives, and intendto use them to improve our service in the New Year.

Click the link below to take the anonymous survey:

http://www.surveymonkey.com/s/JHYTH6R

About Taylor Financial Group Debra Taylor CPA/PFS, Esq., a lifelong resident of Wyckoff and Franklin Lakes, is theprincipal of Taylor Financial Group, LLC, a full service wealth management firm located inFranklin Lakes, NJ. Debra's education and career has covered many fields, and thus she is ableto provide a multidisciplinary approach to the needs of her clients by combining legal and taxexpertise with wealth management. Debra and her team of highly qualified specialists advisehigh net worth individuals and families, women in transition, small businesses, credit unions,and institutions and corporations. Contact Information: Taylor Financial Group, LLC851 Franklin Lake Rd.Suite 34Franklin Lakes, NJ07417 Phone: (201)-891-1130Fax: (201)-891-1136E-mail: office@taylorfinancialgroup.com

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the websites provided here,we make no representation as to the completeness or accuracy of information provided at these web sites. Nor is the companyliable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, web sites, information, and programs made available through this website. When you access one of these websites you assume total responsibility and risk for your use of the web sites you are linking to.

The opinions expressed in this material are for general information only and are not intended to provide specific advice orrecommendations for any individual. To determine which investments may be appropriate for you, consult your financial advisorprior to investing.

Securities offered through LPL Financial, Member FINRA/SIPC

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