GregoryRicks.com GREGORY RICKS & ASSOCIATES SEPTEMBER 2016 NEWSLETTER. Call our office today to get an objective opinion.

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1 GREGORY RICKS & ASSOCIATES SEPTEMBER 2016 NEWSLETTER IN THIS ISSUE The Value of an Objective Opinion With the new paradigm of living longer and the potential impacts of both good and bad market performance, seeking guidance from a financial advisor who can help you structure a retirement income strategy that reflects your financial situation, risk tolerance and investment objectives is becoming an increasingly important part of planning for retirement. And not just any financial advice, but objective financial advice. With so much at stake, it s important that you feel you can trust a financial advisor to consider a wide variety of possible solutions, including both investment and insurance products, before making any recommendations. You also want to have confidence that the advice being provided by your financial advisor is in your best interest not his or hers. Within the financial services industry, there are independent financial professionals who operate as self-employed business owners and sell the products of multiple financial institutions. This contrasts with financial professionals who represent a financial institution. These employees are generally referred to as captive financial professionals. While captive financial professionals are typically required to sell on the proprietary products of the financial institution that employs them, the independent financial professionals are able to work with many financial institutions, providing their clients with a wider array of products from which to choose, potentially increasing the likelihood of being able to provide the best product or products for their clients particular situations. Many independent financial advisors can help individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. As small business owners, independent financial advisors are likely to have smaller clienteles than larger companies that employ multiple financial advisors. If the personal touch is important to you, you may have more luck finding it with an independent financial advisor. There s also something to be said for working with the business owner, who understands and has a greater appreciation for the impact each client has on his or her business. ST. JUDE DONATION We were able to donate $1,000 to St. Jude last month! WOMEN & WEALTH Our very FIRST Speaking Event for Women in September! FOOTBALL SCHEDULES Saints & LSU 2016 Schedules! Call our office today to get an objective opinion. (504)

2 Pictures & Fun around Town! SEPTEMBER IN NOLA We raised $1,000 for St. Jude Children s Research Hospital at our July Speaking Event at Ruth s Chris. Louisiana Seafood Festival September 2-4, 2016 City Park Festival Grounds $10 per day $25 for weekend Gregory, Stacey, and the triplets, Luke, Lance & Emily, all enjoyed their Alaskan Cruise last month. NOLA on Tap September 24, 2016 City Park s Festival Grounds $5 for General Admission $25 for VIP Stacey Ricks Chief Financial Officer September 8 Anna Kelley Client Service Associate September 10 Ashley Migliore Marketing Manager September 30 Gleason Gras September 24, 2016 Team Gleason House $10 for General Admission $300 for VIP

3 Tune in to Winning at Life on Saturday Mornings. Below is a schedule of this month s guests! September 3 Dwell NOLA Realty September 10 Wes Blanchard, Estate Planning Attorney September 17 Jude Heath, CPA September 24 Dwayne Stein, Mortgage Expert LISTINGS BY DWELL NOLA REALTY: THE TOTAL WEALTH AUTHORITY Wesley Blanchard WJ Blanchard Law Estate Planning Attorney (504) GORGEOUS! MUST SEE this unique, custom built home with tons of amenities! th St., New Orleans 5 Br, 4 Baths, 3055 sq. ft. $749,000 Jude & Jennifer Heath J Heath & Co. CPA s (504) Dwayne Stein Cross Country Mortgage Mortgage Expert (985) A stunning contemporary home with style and many extras. 400 Ridgeway Dr. Metairie 4 BR, 3 ½ BATH, 3650 sq. ft. $749,000 Stephanie Campani & Traci Bird Kestler Dwell NOLA Realty Real Estate Agents (504)

4 DATE OPPONENT TIME TV Sun, Sept 11 vs. Raiders Noon FOX Sun, Sept 18 at Giants Noon FOX Mon, Sept 26 vs. Falcons 7:30 PM ESPN Sun, Oct 2 at Chargers 3:25 PM FOX BYE Sun, Oct 16 vs. Panthers Noon FOX Sun, Oct 23 at Chiefs Noon FOX Sun, Oct 30 vs. Saehawks Noon FOX Sun, Nov 6 at 49ers 3:00 PM FOX Sun, Nov 13 vs. Broncos Noon CBS Thurs, Nov 17 at Panthers 7:25 PM NBC Sun, Nov 27 vs. Rams Noon FOX Sun, Dec 4 vs. Lions Noon FOX Sun, Dec 11 at Buccaneers Noon FOX Sun, Dec 18 at Cardinals 3:05 PM FOX Sat, Dec 24 vs. Buccaneers Noon FOX Sun, Jan 1 at Falcons Noon FOX DATE OPPONENT TIME TV Sat, Sept 3 at Wisconsin 2:30 PM ABC Sat, Sept 10 vs. Jacksonville St. 6:30 PM ESPNU Sat, Sept 17 vs. Mississippi St. 6:00 PM ESPN Sat, Sept 24 at Auburn Sat, Oct 1 vs. Missouri Sat, Oct 8 at Florida Sat, Oct 15 vs. Southern Miss Sat, Oct 22 vs. Ole Miss BYE Sat, Nov 5 vs. Alabama Sat, Nov 12 at Arkansas Sat, Nov 19 vs. South Alabama Thurs, Nov 24 at Texas A&M 6:30 PM ESPN Sat, Dec 3 TBD/SEC Champ 3:00 PM CBS Our nation s total outstanding debt as of 8/18/16 was $ trillion. It has taken 293 calendar days (since 10/30/15) to add the latest $1 trillion of debt. It took our country 205 years (from 1776 to November, 1981) to accumulate our first $1 trillion of debt (source: Treasury Department). Interest payments on our national debt are projected to nearly triple over the next 10 years, rising from $248 billion in fiscal year 2016 to $712 billion in fiscal year 2026 (source: Congressional Budget Office). The outstanding balance of student loans ($1.26 trillion) is larger than the outstanding balance of auto loans ($1.10 trillion) as of 6/30/16 (source: Federal Reserve Bank of New York).

5 Introducing our very FIRST financial speaking event for WOMEN ONLY. Are you a women who is unsure about your finances? Do you feel like you don t know enough about money and the way it works? You are approaching a critical time, a crossroads the few years before and after retirement. The touch decisions you make now will impact you and your loved ones for life. We are building a community of women who desire to take charge of their financial future, expand their knowledge, and build their confidence regarding money and wealth. Whether you're at the end of your rope or the top of the corporate ladder, there is always more to learn about how you can make your money work for you. Discover what you should know about Social Security & Health Care and why you need to correlate them into your overall retirement strategy Learn how to protect yourself against financial risks, including divorce and widowhood Uncover 5 reasons you need Estate Planning including a Will and/or Trust Find out why you should be using a low volatility advisor After the presentation, we will have a short Q&A session to get YOUR financial questions answered. This can change your life. WEDNESDAY, SEPTEMBER 6:30 PM Ruth s Chris Steakhouse in Metairie Call Now, Seating is Limited! (504) Gregory Ricks & Associates will help you on the path towards financial security and independence because everyone deserves a secure, independent retirement. Fee is $10 per person to attend. All proceeds will be matched dollar for dollar and donated to Cancer Crusaders of New Orleans. Complimentary dinner includes salad, entrée and dessert. Attendees must be seated by 6:15. As this event is focused on people who have never heard Gregory speak, clients who want to attend will go on a waiting list. If the client brings friends/family who have never attended a previous event, both parties will be allowed to RSVP. Find us on Facebook: WomenWinningAtLife GREGORY RICKS & ASSOCIATES IS A REGISTERED INVESTMENT ADVISOR. INFORMATION PRESENTED IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY AND DOES NOT INTEND TO MAKE AN OFFER OR SOLICITATION FOR THE SALE OR PURCHASE OF ANY SPECIFIC SECURITIES, INVESTMENTS, OR INVESTMENT STRATEGIES. INVESTMENTS INVOLVE RISK AND UNLESS OTHERWISE STATED, ARE NOT GUARANTEED. BE SURE TO FIRST CONSULT WITH A QUALIFIED FINANCIAL ADVISOR AND/OR TAX PROFESSIONAL BEFORE IMPLEMENTING ANY STRATEGY DISCUSSED HEREIN.

6 2800 Veterans Blvd. #170 Metairie, LA SEPTEMBER NEWSLETTER: SAINTS & LSU Football Schedules St. Jude Donation The Value of an Objective Financial Opinion Number$ of $ignificance Funny Jokes Women & Wealth Listen to Gregory Saturdays 10AM 1PM and Weekdays from 7 8 PM Louisiana s 401k & Retirement Authority! Listen. Learn. Live. For more great info or to catch one of our past shows, go to