What's New? Feddern Financial Consulting Group TODAY'S NEWS: Here's another reason that we're more "bullish" (positive) for the markets:

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1 Subject: Feddern Financial Consulting Group Newsletter What's New? Feddern Financial Consulting Group TODAY'S NEWS: Here's another reason that we're more "bullish" (positive) for the markets: While fears of a market meltdown ripple across Wall Street, commodities continue to outperform. In the commodities world, most folks are focused on the big weather plays that continue to rip higher. Coffee, corn and orange juice are all working well this year. But what about oil? Crude crossed into triple digits again this week. This morning, a barrel of black gold trades for about $103. And that's good news for the markets... "We can look at crude oil as a market barometer," explains Matt Insley. "The point is simple: If people and foreign governments alike can afford $100-plus oil, the global market is not in dire straits. On the other hand, if the crude market starts to fall, it represents a leading indicator that the economy isn't spinning the cash it needs to survive." Here's a look at the 10-year price of West Texas Intermediate (WTI) crude oil:

2 "As you can see from this long-term chart, prices for crude oil have seen a lot of support since the 2009 market fallout. You can also see that we're smack-dab in the middle of crude's long-term trading channel," Matt explains. "In that sense -- and the sense that we're still looking at $103 oil at last check -- the global market still has plenty of wind in its sails... In this issue TODAY'S 401-k Asset Allocation Changes. The "LAST WORD"...on IRAs and TAXES AAII/LUG's Group Info ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

3 TODAY'S 401-k Asset Allocation Changes PLAN NAME BUY SELL LINK TO DETAILS and the Five Profiles FFCG-Ultimate: Dynamark Anderson Law Nationwide: Ahead HR Socially Responsible: OneAmerica: dodix, jvmax, VISIT OUR WEBSITE FOR SPECIFIC RECOMMENDATIONS We have added several new sets of indicators from NetSignal, VectorVest, and our 20-day MA of the S&P 500 which are used for the broad markets and give a general indicators of BUY or SELL. The following market signal changes were issued by NetSignal as of: US STOCKS - SELL ( ) FOREIGN STOCKS- BUY ( ) EMERGING MARKETS - SELL ( ) GOLD - BUY ( ) The following market signal changes were issued by VectorVest as of: Stock Market Call -

4 SELL: ( ) The following market signal changes were issued by our LONG/SHORT S&P 500 as of: Market Call - Based on the 20-day moving average of the S&P Spyders: SSO/ULPIX are LONG the S&P x2 SDS/URPIX are SHORT the S&P x2 As of this strategy has been added to and is available for all participants in our FFCG "Ultimate 401-k" platform custodied at Lincoln Trust Trading History: BUY: SSO or ULPIX SELL/CloseOut: for a GAIN of 4.55% BUY: SDS or $ SELL/CloseOut: for a LOSS of.0174% BUY:SSO or ULPIX SELL/Close Out: SSO/ULPIX GAIN of $.25 or.0024% BUY SDS or SELL/CloseOut: for a LOSS of $.33 or.012% BUY SSO or SELL/CloseOut: SS0 LOSS $2.03 or.0192% BUY: SDS or SELL/CloseOut: LOSS of $.95 or.032% BUY: SSO or

5 SELL/CloseOut: LOSS of $1.56 or.015% BUY: SDS or SELL/CloseOut: LOSS of $.44 or 0.015% BUY: SDS or The "LAST WORD" on IRAs and TAXES With just a few days left before tax day, I wanted to give you some last-minute moves that you can consider making right now. Obviously, if you haven't yet completed your return for this year you should do all the usual things like making sure you take every deduction you're entitled to. I would also point out that if you're receiving a refund from Uncle Sam this year, it's possible to have as much as $5,000 returned to you in the form of I Bonds, which I wrote about last month, by using form [Editor's note: This is actually the only way that investors can still get PHYSICAL I Bonds now that financial institutions are no longer selling them!] Of course, even if you have ALREADY filed your It's Not Too Late to Fund Some Great Tax Shelters! Every year around this time, I remind folks that the term "tax shelter" does not automatically mean some offshore corporation. Nor are tax shelters merely available to wealthy Americans with teams of attorneys and accountants. Take Individual Retirement Accounts, or IRAs. Nearly everyone has heard of them... loads of Americans use them to save and invest... and yet they ARE, technically speaking, tax shelters. Save for college and save on taxes! Better still, you can still fund an IRA for 2013 up until April 15th of this year! Like 401(k) plans, IRAs were created by amendments to the Internal Revenue Code. And they serve much the same purpose - allowing individuals to sock away money for retirement and reap

6 tax benefits in the process. The two biggest categories are traditional IRAs and Roth IRAs. With traditional IRAs: You contribute pre-tax money and thus save on your current taxes by lowering your taxable income... Your contributions and earnings will be subject to taxation upon withdrawal... And you must stop contributing and begin withdrawing money at age 70½. Meanwhile, with Roth IRAs: You contribute after-tax money and thus gain no upfront tax-savings benefit. But... Your contributions - and earnings - will never be taxed again, so long as you meet the basic guidelines (eligible age of 59½ and held for at least five years)! Plus, you can continue socking away money as long as you have earned income, no matter what your age. And you never have to make minimum withdrawals, even if you live to be 110. Now, BOTH of these account types: Give you a huge range of investment choices, pretty much everything offered by your broker... Can be funded until tax day of the following year. And allow catch-up provisions for contributors over the age of 50. In 2013, the regular limit for either IRA is $5,500 and $6,500 for age 50+. However, it's important to note that you can only contribute to a Roth IRA if your Modified Adjusted Gross Income (MAGI) falls within certain levels. Regular IRAs, on the other hand, have no income restriction for contributions, though the tax deductibility can be affected by your MAGI and whether or not you're covered by a retirement plan at work. All these reasons are why Uncle Sam gives you until tax day of the following year to fund an IRA - because there may be no way for you to determine which IRA to use or fund for a given year until you finalize your taxes! There are no age restrictions for Roth IRAs - as long as you have earned income you can start socking away money. Your ability to contribute is also unaffected by any retirement plan you might have through your employer. Just remember that you cannot max out both a regular and Roth IRA in the same tax year. Your total contributions to all IRA accounts - not counting rollovers and such - must fall within the aforementioned ranges.

7 And please realize that there are other types of IRAs beyond the common types I just described. For example, rollover IRAs act just like traditional IRAs but they're funded by converting other retirement plans such as 401(k) plans. For the self-employed, there are also SEP IRAs and Simple IRAs. Both types allow small businesses or self-employed individuals to sock away money in lieu of establishing pension plans. Plus, there are also self-directed IRAs, which allow you to invest in a broad range of items, including real property such as land and houses. You Can Also Protect Even More Money By Using a Coverdell Education Account... Coverdell Education Savings Accounts used to be known simply as Education IRAs, and they function very much like Roth IRAs designed for young students. In fact, like Roth IRAs, they allow you to sock away money - $2,000 a year in this case - by tax day. That means you can contribute another $2,000 into a new or existing Coverdell and still count it for And like Roth IRAs, as long as the funds are used for the benefit of schooling costs, any returns earned in the account will be distributed free of additional taxation going forward. No, $2,000 isn't all that much... especially with the skyrocketing cost of higher education. But it's still a nice chunk of change that will add up over the years. Plus, it's perfect for using any tax refund money you might have already received if you happened to file your taxes early. And don't underestimate the benefit of that tax shelter: Let's say you happened to put $2,000 into your child's Coverdell account and invested it so wisely that within ten years it had miraculously turned into $200,000. That full amount would be available to pay for your kid's education, and not one penny of taxes would need to be paid as you pulled it out! Another cool feature of Coverdell accounts is that - unlike ever-popular 529 Plans - they can be used for expenses related to ALL types of schooling: High-priced pre-k classes, private secondary education, and even many associated costs such as computers and books. Like the Roth IRA there are some income caps to be aware of. However, even a child with no earned income can contribute to a Coverdell! So if you're above the income threshold, you can just gift the $2,000 to the child under the Uniform Transfer to Minors Act and then they can put it in the Coverdell themselves.

8 And again, please note that you can establish a Coverdell for ANY child in your life - not just a direct relative but even a friend's child or grandchild. Corporations and trusts are also free to establish Coverdells. Just know that a Coverdell's beneficiary can only have $2,000 contributed to his or her account in any given year. So you should always ask whether an account already exists and how much has been deposited before establishing one on your own. Contributions must also be made before the beneficiary turns 18. A Coverdell beneficiary has to use the funds before turning age 30, or else taxes and penalties will likely be owed. However, the account can always be switched to another beneficiary before then - even if the new recipient is between ages 18 and 30! If you're interested in establishing a Coverdell, just check with your regular brokerage house or other financial institution. Most offer them, and it's just a matter of completing some simple paperwork. But do it now... there are only a few days left to fund any of the shelters I mentioned for the year 2013! AAII Group Info ============================ AAII will Meet on THURSDAY at 6:00 PM at the AUDUBON CC The Audubon Country Club is conveniently located off Preston Highway, approximately one mile South of Eastern Parkway in Audubon Park on the left. After entering Audubon Park, take the first right and go all of the way to the end and you will be at the entrance to the Club. Parking is very convenient. Since this meeting is sponsored by the Louisville Chapter of the American Association of Individual Investors, you are always asked to preregister by to attend this program, in order for the country club to provide appropriate seating arrangements. Also, indicate if you plan to have dinner. Please confirm your attendance by to Otto@fedderngroup.com There is a charge for attending the meeting of $10 to help defray some of our expenses And this is not a "prospecting seminar" conducted by a financial services firm selling financial products, and your addresses will remain private and protected. You are also certainly invited to participate in the buffet which is an additional $15 (which makes the total $25 for the meeting AND the dinner.) APR 17, PM Agenda:The 1st Quarter Up-date S&P LONG/SHORT - Bruce Richards

9 A new look at Annuities and their benefits and drawbacks - bring ALL of your questions! A New Dividend Portfolio from the Highest Yielding Stocks in the DOW 19 Stock and Bond Indicators to Help You Determine "Where We Are" The "Holy Grail" Stock Portfolio Using VectorVest Rules - UPDATED Developing a new Watchlist for Fun and Profit by NEXT Christmas You don't need to be a member of AAII to attend this meeting DINNER: $25 MEETING ONLY: $10 Reservations Requested and Appreciated =================================================================== Louisville Users Group (LUGS) Info ============================ The next LUGS Will Meet on SATURDAY - APR 19-10:00 AM APR 19, :00 AM FREE - No Reservations needed AGENDA: The 1st Quarter Up-date How to mitigate the Downside risk in your portfolio while participating in the Upside Comparing the Dow Dividend Royalty to the NEW S&P 500 High Yield Portfolios UpDate on the LONG/SHORT S&P 500 Platform - with Bruce Richards the developer UpDate on the "Holy Grail" 10-stock portfolio MY Conference Room Coffee and rolls provided FEDDERN FINANCIAL CONSULTING GROUP 603 North Shore Drive - Suite 102 Jeffersonville, IN (502) Office (502) Otto Cell otto@fedderngroup.com

10 Quick Links... Visit our Website Otto G. Feddern Feddern Financial Consulting Group 603 North Shore Drive Suite 102 Jeffersonville, IN (502) Office (502) Cell Forward This was sent to by Update Profile/ Address Instant removal with SafeUnsubscribe Privacy Policy. Feddern Financial Consulting Group 603 north shore drive suite 102 jeffersonville IN 47130