Magbitang Financial Group

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="center" width="1%" valign="middle"> <img src="/files/16712/Group2.jpg" alt="Magbitang Financial Group" height="273" width="375" border="0"> </td> </tr><tr><td> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b><br> <center><img src="/files/16712/The%20Magbitang%20Financial%20Group%20Logo.gif" height="99" width="200" alt="Logo"> </center> <br> <br> A Professional Insurance and Investments Company</b> <br> <br>3201 Danville Blvd., Suite 240 <br>Alamo, CA 94507 <br>Phone: 925.552.7152 <br>FAX: 925.552.7127 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:emagbitang@ft.newyorklife.com"> emagbitang@ft.newyorklife.com</a> <br> </td> </tr> </table> <br> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p align="center">Building, Protecting and Preserving Assets Since 1986</p> <p align="center"> <em><font color="#0000ff" size="3"><strong>Every recommendation that we make, every action that we take, is guided by one overriding principle, and that is to always do what is right for our clients, for their families, and for their business.</strong></font></em></p> <p align="center"><em><font color="#0000ff" size="3"><strong>-The Magbitang Financial Group</strong></font></em></p> <p align="center"> Today's insurance and investment climate offers unprecedented opportunities. At The Magbitang Financial Group, our mission is to help clients take advantage of those opportunities by providing them with three key tools:</p> <ol> <li>A clear understanding of their financial goals</li> <li>A well-defined roadmap for achieving those goals</li> <li>Ongoing service to help adjust their roadmap when their needs change</li> </ol> <p>Our services cover areas of your financial needs, from insurance and investments to retirement planning and estate conservation. Your goal may be to plan a secure retirement or to grow and preserve wealth and conserve your estate. It might be to fund the college education for your child or grandchild, or to protect the standard of living for you and your family with security. For business owners, there are a multitude of areas that need to be addressed for the success of the business. These things won’t happen by accident. It’s important to determine what you’d like to achieve financially and then map out a strategy that will help you meet those goals. We specialize in helping our clients develop a financial strategy that fits their unique needs and enables them to meet both short- and long-term objectives.</p> <p>On our Web site, you'll find valuable information for evaluating your current position and progress toward financial goals. We offer educational articles that outline financial concepts and highlight products designed to fill the gaps in your financial strategy. You'll also find calculators that will help you assess your current and future needs. Please remember to visit our Web site often, as our content is constantly changing. For help or for more information on The Magbitang Financial Group please contact us today.</p> <p> </p> <p><br /> <small>Emma M. Magbitang is an agent licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in the states of California (CA Ins Lic #0810892), Nevada, and New York . No insurance business may be conducted outside these states referenced.</small></p> <p align="left"><small>John Erwin "E.J." M. Magbitang, LUTCF is an agent licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in the state of California (CA Ins Lic #0D37634). No insurance business may be conducted outside the state referenced.</small></p> <p align="left"><small>Julius Elmer "Joel" M. Magbitang, LUTCF is an agent licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in the states of California (CA Ins Lic #0D35676) and Masachussets. No insurance business may be conducted outside these states referenced.</small></p> <p align="left"><small>Julius Elmer "Joel" M. Magbitang, LUTCF is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member <a target="_blank" onclick="javascript:open_window('NYLdisclaimer.html')" href="http://www.finra.org/">FINRA</a>/<a target="_blank" onclick="javascript:open_window('NYLdisclaimer.html')" href="http://www.sipc.org/">SIPC</a>, a registered broker-dealer, 3201 Danville Boulevard, Suite 240, Alamo, CA, 94507, 415.393-6060. In this regard, this communication is strictly intended for individuals residing in the states of California. No offers may be made or accepted from any resident outside the specific states of California.</small></p> <p align="left"><small>Magbitang Financial Group is not owned nor operated by NYLIFE Securities LLC or its affiliates.<br /> </small></p> <p align="left"><small><br /> </small></p> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192"> </td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/M/TA11_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td colspan="2" width="192"> </td><td width="14" valign="top" background="/graphics/M/TA11_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1698" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">HOT TOPIC: Michael Jackson's Eccentricities Did Not Extend to His Estate Plan </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Critics are calling Michael Jackson's estate plan a hit. What did the King of Pop do right?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1766" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">HOT TOPIC: Moving Forward from the Credit Crisis</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> On Monday, September 15, 2008, the country awoke to news that three of the nation's largest financial institutions were unable to survive without help. Now, more than a year after that fateful September day, the economy shows signs of stability.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1767" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Making Moves to the Money Market</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Money market funds are mutual funds that invest solely in cash-equivalent assets that are categorized as low-risk, low-return investments.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1769" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Retirement Countdown in a Down Market</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The process leading up to retirement should begin years beforehand to help protect portfolio assets in the event that the markets are affected by unfavorable economic conditions.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <div class="flashBrandingElement" style="margin:3px 0 12px 4px;"> <script type="text/javascript"> AC_FL_RunContent('codebase','http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=7,0,19,0','width','215','height','130','src','/graphics/corporate-b','movie','/graphics/corporate-b','quality','high','wmode','transparent','pluginspage','http://www.macromedia.com/go/getflashplayer'); 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return false;" target="_blank"><font color="#000000">Log in or create</font></a> a Personal Folder</font> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/M/TA11_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/M/TA11_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/M/TA11_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="http://www.newyorklife.com/cda/0,,15011,00.html" target="mondo" onclick="javascript:infobox('contentdisclaimer.html','380','300')"> <img src="/graphics/M/TA11_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/M/TA11_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/M/TA11_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/M/TA11_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/M/TA11_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> <tr><td colspan="3"><br> <div style="font-family: Arial, Helvetica, sans-serif; font-size: smaller; text-align: center;"> <br> Securities offered by properly licensed registered representatives of NYLIFE Securities LLC (member <a href="http://www.finra.org" target="_blank">FINRA</a>/<a href="http://www.sipc.org" target="_blank">SIPC</a>). <br> <a href="http://www.magbitangfinancialgroup.com/files/NYLDBAdisclaimer.htm" TARGET="_blank"> Copyright 2010. 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